Down Payment Assistance

⚠️ Friendly Reminder:

Every program has its own guidelines, and eligibility isn’t guaranteed. The best way to find out what you qualify for is to speak with a licensed loan expert who can review your full financial picture.

💡 Do I Qualify for Down Payment Assistance?

Buying a home but worried about the down payment? You might be eligible for Down Payment Assistance (DPA) — a program designed to help with upfront costs like your down payment or closing fees.

Here’s a simple breakdown of what’s typically needed:

✅ Basic Requirements

  • You plan to live in the home as your primary residence

  • You’re using an eligible loan type, like FHA or USDA

  • Your income and credit meet the program guidelines

  • The home is in an approved state and county

  • At least one borrower completes a short homebuyer education course

  • You’re not using the funds for investment or rental property

🔐 What’s Usually Required

  • A credit score of at least 580 (some cases require 640+)

  • A steady source of income

  • No recent bankruptcies or foreclosures (depending on timing)

  • No ownership of another home (in some cases, exceptions apply)

🏡 Good News:

  • First-time buyer? Great — but not required

  • You may get help with up to 5% of the purchase price

  • Some programs are forgivable after a few years of on-time payments

Get Help With Your Down Payment


If saving for a down payment is holding you back, there are programs designed to help — and you might qualify.

From grants to forgivable loans, I’ll walk you through available assistance options, explain the requirements, and show you exactly how they could fit into your home-buying plan.

More possibilities. Less out of pocket. A faster path to the keys.