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Down Payment Assistance – FHA/DPA Program
Down Payment Assistance – FHA/DPA Program
Designed for first-time buyers and eligible FHA borrowers, this program offers up to 3.5% in down payment assistance, making homeownership more accessible and affordable. Whether you choose the forgivable or repayable option, there are no payments required on the forgivable version — and it carries 0% interest that is completely forgiven after 10 years. With a minimum credit score of 600 and availability across most states (excluding NY and WA), this is one of the most flexible assistance programs available today.
FAQs
Is the down payment assistance a grant or a loan?
You can choose between forgivable assistance (no repayment) or a repayable option.
How do I qualify?
You’ll need an FHA-approved loan, a minimum 600 credit score, and meet general eligibility guidelines.
What happens if I sell or refinance?
If you choose the forgivable option and sell or refinance before 10 years, repayment may be required depending on your terms.
Struggling with Your Down Payment? Here’s How We Can Help
Buying a home is one of the most rewarding investments you can make, but for many first-time buyers, coming up with the down payment can be a major roadblock. That’s where our FHA/DPA program comes in. This special financing option provides up to 3.5% in down payment assistance — which could cover your entire down payment on an FHA loan.
Whether you're short on funds or just looking for a smart way to hold onto your savings, our down payment assistance makes homeownership more accessible. You can choose between a forgivable assistance option, which requires no monthly payments and 0% interest, or a repayable structure with flexible terms. The forgivable assistance is completely forgiven after 10 years, helping you build equity without extra financial stress.
Why Choose the FHA/DPA Program
This program is built for buyers who are ready to own but don’t have the full upfront cost. With a minimum 600 credit score and basic FHA eligibility, you could qualify in no time. The best part? There are no payments required on the forgivable option, and the assistance can be used in most states — excluding New York and Washington.
Whether you're a renter looking to stop throwing away money on rent, or someone finally ready to invest in a place of your own, this is the jumpstart you’ve been waiting for.