FTHB and DPA Programs

The Down Payment Myth Keeps More Renters Renting Than Any Interest Rate Ever Has.

Grants, forgivable seconds, and assistance programs that cover more of the down payment than most renters believe possible: in some programs, all of it.

How It Works

Grants do not have to be paid back. Forgivable seconds disappear after a set number of years of ownership. Repayable seconds are a small monthly line added to the payment. Different tools for different budgets.

Low-down-payment first mortgages layer with these programs, so the money out of pocket at closing is often far less than the twenty percent folklore suggests.

The honest first step is a scenario call. Fifteen minutes settles a year of guessing.

Who This Is For

·Renters with the income but not the down payment
·First-generation homebuyers
·Buyers in city and state DPA zones
·Households told to save another year (probably unnecessary)

A Common Scenario

"A renter has the income and the payment history but not the mythical twenty percent. A layered assistance program covers the gap, the monthly payment lands near the old rent, and the only thing that actually changes is whose equity the check builds. Illustrative example; every scenario differs."

What You'll Need

— Recent pay stubs and W-2s (or alt-doc equivalents)
— Bank statements
— ID and rent history
— Any homebuyer education certificate the DPA program requires

For Agents and Financial Coaches

The buyer you assumed wasn't ready may be one program away. Send them this page before they sign another lease.

Program availability, terms, and qualification vary by scenario.

Scenario Review

Find Out in 60 Seconds If Your Scenario Fits.

60 seconds. No credit pull. No commitment.