Don’t let the down payment
be the reason you wait.
The down payment is the number one obstacle for first-time buyers. But it doesn’t have to be yours. Grants, forgivable second liens, and repayable assistance programs exist nationwide — and most buyers have no idea they qualify.
See What I Qualify For →Waiting to buy is
digging a financial hole
The data is clear: homeowners are over 40x wealthier than renters on average. The longer you wait to purchase, the deeper the wealth gap becomes — because every month you rent, someone else is building equity in their home while yours sits in a landlord’s pocket.
Down payment assistance programs exist specifically to close this gap. They’re not charity — they’re tools designed to help qualified buyers stop renting and start building wealth. And most people who qualify never find out, because they never ask.
How DPA works
alongside your mortgage
Down payment assistance doesn’t replace your mortgage — it works alongside it. You still qualify for a primary loan (FHA, conventional, USDA, or VA), and the DPA program provides additional funds to cover your down payment and sometimes closing costs.
The key is finding a lender who knows which DPA programs are active in your area, which ones you qualify for, and how to structure both loans correctly. That’s what we do.
Check My DPA Eligibility →We determine which primary loan program you qualify for — FHA, conventional, USDA, or VA — and at what terms.
We search nationwide and local programs for every grant and assistance option available in your area and income bracket.
We structure the primary loan and DPA together to minimize your out-of-pocket cost at closing while keeping your monthly payment manageable.
You close on your home, stop paying rent, and start building the equity that separates homeowners from renters over time.
Every month you wait
costs you more than you think.
Rising home prices mean the home you can afford today may be out of reach in two years. The down payment you’re saving grows more slowly than the gap between what you have and what you need. And every month of rent is a month of wealth building you can never get back.
Down payment assistance exists because policymakers and lenders understand this math. Use the tools available to you.
Common questions about
down payment assistance
Not always. Many DPA programs are open to first-time buyers only — but the definition of “first-time buyer” often means you haven’t owned a primary residence in the past three years, not that you’ve never owned before. Some programs have no first-time buyer requirement at all. We’ll identify which programs you’re eligible for based on your specific situation.
Most DPA programs do have income limits, typically expressed as a percentage of the area median income (AMI) for your county. However, limits vary widely by program and area — some programs serve buyers up to 140% of AMI, which covers a significant portion of the working population. We’ll check your eligibility against the programs available in your area.
A grant is funds provided with no repayment obligation — it’s yours outright once you close. A forgivable second lien is technically a loan that is forgiven over a set period (typically 3–5 years) as long as you remain in the home. Both result in $0 out of pocket, but the forgiveness structure means there’s a recapture period during which you’d owe a portion back if you sell or refinance early.
Sometimes — it depends on the program. Some DPA programs are paired with specific first mortgage products that may carry a slightly higher rate in exchange for the assistance. Others stack cleanly on top of market-rate loans. We’ll always show you the full picture — rate, DPA amount, and net monthly payment — so you can make an informed decision.
Yes — many programs allow assistance funds to be applied to both down payment and closing costs. This can dramatically reduce your total out-of-pocket cost at closing. Some buyers close with very little cash required. We’ll structure it to minimize what you bring to the table on closing day.
Stop waiting.
Start building equity.
Free eligibility check. No credit pull. We’ll find every program available to you.