The down payment doesn't have to come from you.
Grants, forgivable loans, and second-lien programs make homeownership real for first-time buyers and qualified households.
There are dozens of state, county, and lender-funded DPA programs, and most homebuyers have never heard of the ones they qualify for. We do the homework, stack programs when allowed, and make sure your primary loan still gets the best terms.
- First-time and repeat-buyer programs (3-year rule applies to most).
- Income limits vary — many programs allow incomes up to 140% of area median.
- Educator, firefighter, EMT, nurse, and law enforcement preferences in many areas.
- Combine with FHA, VA, USDA, or Conventional first mortgages.
- Free homebuyer education courses available online.
True grants — money you don't pay back — up to 5% of the loan amount.
Second mortgages forgiven over 5–15 years if you stay in the home.
City, county, and state agency programs targeted to your area and profession.
Good to know
Anywhere from $5,000 to $50,000+ depending on the program, your income, and the property.
Some are grants (no repayment), some are forgivable (you keep it if you stay), and some are silent seconds repaid only at sale or refinance.
DPA programs add 1–2 weeks. We start them in parallel with the main loan so we still hit your contract date.
Let's talk about your next move.
Whether you're buying your first home, refinancing, or building a portfolio — start with a no-pressure conversation.