What is down payment assistance?
Down payment assistance (DPA) programs are offered by state and local housing agencies, cities, and nonprofits. They can help cover some of the money you need upfront to buy a home.
How it works
Assistance can come as a grant, a forgivable loan, or a second loan that is repaid later. Each program sets its own rules about income, location, the home price, and whether you must be a first-time buyer.
Things to know
Programs change and funding can run out, so the right fit depends on timing and your details. Most programs are paired with a first mortgage like FHA, VA, USDA, or conventional. Our Program Finder is a quick way to start.
This page is general information only, not an offer or commitment to lend. Loan programs are subject to eligibility, credit approval, and underwriting. Program availability, guidelines, and terms can change.