Down Payment Assistance
Grants and second-lien programs that can cover part — or all — of your down payment, combined with an FHA, Conventional, or VA loan.
DPA programs available in TX, FL, OK & CA
Grant Programs
Money toward your down payment that never has to be repaid — no lien, no monthly payment.
- Typically 2–5% of the purchase price
- No repayment or lien on the property
- Combined with FHA, Conventional, or VA
- Homebuyer education course required
- Income limits based on area median income
Forgivable Second Mortgage
A second loan behind your first mortgage that is forgiven after you live in the home for a set number of years.
- 0% interest, no monthly payment
- Forgiven gradually over 3–10 years
- Must remain your primary residence
- Repaid only if you sell or move early
- Stacks with most first-mortgage programs
Deferred-Payment Second Mortgage
Covers your down payment now; you repay it only when you sell, refinance, or pay off the first loan.
- No payments due while you own the home
- Due on sale, refinance, or payoff
- Can cover down payment and/or closing costs
- Usually low or 0% interest
- Income and purchase-price limits apply
Employer & Community Programs
Employer-assisted housing benefits and local community programs layered on top of state DPA.
- Employer-matched down payment funds
- Community land trust options
- Often stackable with state DPA
- Eligibility varies by employer/program
- Ask us which ones apply in your area
Typical Down Payment Assistance Requirements
- Homebuyer education course (usually online, a few hours)
- Primary residence only — no investment properties
- Household income within program limits
- Paired with an eligible first mortgage (FHA, Conventional, or VA)
- Minimum credit score set by the first-mortgage program
- Availability and terms vary by state and county