Unlock your homeownership dreams
Don't let a down payment stand between you and your new home. Discover flexible solutions designed for today's diverse homebuyers. Your path to homeownership starts here.
Down Payment Assistance Built for Your Situation
Our Down Payment Assistance program is crafted to support a wide range of buyers, including first time buyers AND next time buyers. Whether you're navigating unique financial situations or seeking to maximize your investment, we have solutions for you.
Next-time buyer
The move-up buyer who has owned property in the past three years but needs supplemental cash flow or secondary financing to cover upfront acquisition costs for their next primary residence.
Higher-earning professional
The borrower with strong incomes who exceeds traditional county or state DPA income caps.
Flexible credit applicant
The individual with FICO scores 600 and above, seeking flexible FHA underwriting guidelines.
Bridging the cash gap for your dream home
Whether you need to cover the standard FHA 3.5% down payment or high upfront closing costs, we offer solutions that help you achieve 100% financing without draining your savings.
Our unique approach to down payment assistance
We provide 100% financing options by pairing a standard FHA first mortgage with a 3.5% or 5% second lien.
We eliminate restrictive entry barriers, welcoming high-earning, low-cash buyers often excluded by other programs.
Our 5% assistance option can cover the mandatory 3.5% down payment and apply the remaining 1.5% directly toward closing fees.
We also offer a 3.5% assistance structure that completely dissolves after 36 on-time monthly payments, wiping out the second lien entirely.
Common questions about down payment assistance
"Do I have to pay this money back?" No, depending on the program you choose. One of our options is a 3.5% DPA program, forgivable after 3 years.
"Are my interest rates going to be much higher?" Our goal is to secure competitive interest rates while providing the assistance you need, not penalizing you for it. We also have a 2-1 Temporary Buydown option available.
"Do I make too much money to qualify?" Unlike many programs, we welcome higher-earning individuals who may not meet strict income limits elsewhere.
"What credit score do I need?" Credit scores can be 600 or above.
"Is it only for first-time homebuyers?" Our programs are inclusive, assisting both first-time buyers, and next time buyers who are outgrowing their current properties.
