Down Payment Assistance (DPA) programs can make homeownership possible—even if you don’t have a large amount of money saved. These programs are designed to help first-time homebuyers and qualifying borrowers cover the down payment, closing costs, or both, giving you the financial boost you need to purchase a home with ease.

There are state, city, county, lender-based, and national assistance programs available, each offering unique benefits depending on your income, credit score, and location. Many programs provide grants, forgivable loans, zero-interest loans, or deferred payments, allowing you to buy a property with little to no money out of pocket.

To explore available programs and instantly check your eligibility, visit:
👉 www.DownPaymentLoanAssistance.com

Types of Down Payment Assistance Programs

1. Grants

Free funds that do not need to be repaid when program conditions are met—often available through state housing agencies or nonprofit organizations.

2. Forgivable Loans

Loans that are forgiven after a set number of years of living in the property (usually 3–10 years). If you stay in the home for the required time, you never repay the assistance.

3. Zero-Interest Loans

Loans offered at 0% interest, typically repayable only when you sell or refinance the home.

4. Deferred-Payment Loans

No monthly payments and no interest—payment is deferred until you sell, refinance, or pay off your first mortgage.

5. Lender-Specific DPA Programs

Many lenders offer their own assistance options, including flexible grants, lower down payment options, and reduced mortgage insurance requirements.

6. Government-Backed Low Down Payment Loans

While not traditional “assistance programs,” government-backed loans help you buy with low or no money down:

• FHA Loans – 3.5% down
• VA Loans – 0% down (for eligible veterans and active-duty military)
• USDA Loans – 0% down for properties in eligible rural/suburban areas
• Conventional 3% Down Programs – Available to qualifying first-time buyers

What Types of Properties Can You Buy With Down Payment Assistance?

Most DPA programs allow you to purchase a variety of property types, including:

✔ Single-family homes
✔ Condominiums and townhomes
✔ 2–4 unit properties (live in one unit and rent the others)
✔ Manufactured homes (depending on program rules)
✔ New construction homes (some programs allow builder partnerships)

Many buyers use assistance to purchase multi-unit properties, giving them a chance to build wealth through rental income while still qualifying as owner-occupants.

Buy a Home With Little to No Money Down

Even if you’ve been told you need a large down payment, today’s assistance programs create real opportunities to become a homeowner sooner than you think. The right program can help reduce upfront costs, lower financial barriers, and put you on the path to long-term real estate success.

To see which programs you qualify for, visit:
👉 www.DownPaymentLoanAssistance.com