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Down Payment Assistance (DPA) Programs

Get help covering upfront costs so you can buy with confidence.

One of the biggest challenges for homebuyers is saving for a down payment. Down Payment Assistance (DPA) programs are designed to help with that. Whether you’re a first-time buyer or someone who needs a little boost to get into a home, DPA programs offer grants, second loans, or forgivable loans to reduce your upfront costs and make homeownership more attainable.

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Down Payment Assistance (DPA) Programs Are Good For:

DPA programs are designed for first-time buyers and moderate-income households who need help covering upfront costs. They’re a great fit for borrowers using FHA, VA, or Conventional loans who qualify for local or state-based assistance to reduce their out-of-pocket expenses.

Down Payment Assistance (DPA) Programs Details

Eligibility is usually based on income, credit score, and the location of the home. Many programs require buyers to complete a homebuyer education course and work with an approved lender.

Assistance may be offered as a flat dollar amount or as a percentage of the home’s purchase price. Some programs cover both the down payment and closing costs, and others may be paired with government-backed loans like FHA or VA.

Some DPA loans are fully forgivable if you stay in the home for a certain number of years, while others may require repayment only if you sell or refinance within a specified timeframe. A loan officer can explain what applies in your state.

There are thousands of DPA programs across the country, each with its own rules and benefits. Working with a knowledgeable loan officer can help you navigate your options and make sure you do not leave money on the table.

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Secure Your Down Payment Assistance (DPA) Program at One of Our Branches

You do not have to do it alone. Our loan officers are here to help you find and qualify for the right assistance program in your area. Let us guide you through the options and get you one step closer to owning your home. Reach out to your local branch to get started today.

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Did you know that in the time it took you to read this page, you could already be pre-approved? Take the first step to getting your new home.

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