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Boost Your Purchase with DPA – Min FICO 580
Flexible Down Payment Assistance for More Buying Power
Buying your first home — or your next one — just got easier. Our Down Payment Assistance program allows borrowers with credit scores as low as 580 to access the funds they need to move forward. With DTI ratios up to 45%, both conforming and high-balance loan limits available, and eligibility for both first-time and repeat buyers, this program is designed for flexibility. You’ll have the option to combine DPA with other financing strategies, helping you reduce your upfront costs while still securing favorable terms.
FAQs
Do I have to be a first-time homebuyer?
No — first-time buyers are welcome, but it’s not required.
What’s the minimum credit score required?
A 580 FICO is the minimum.
What are the eligible property types?
Primary residences that meet conforming or high-balance loan requirements.
How high can my DTI be?
Up to 45%.
Why This Program Works for Buyers
For many buyers, the biggest hurdle to homeownership is saving enough for a down payment. This program helps remove that barrier by providing the funds you need upfront, without requiring perfect credit or extensive savings.
A Smoother Path to Closing
Whether you’re a first-time homebuyer or simply looking for a more affordable way to purchase, this DPA program offers the flexibility, high approval potential, and reduced cash requirements that make homeownership possible sooner.