Down Payment Assistance Programs
How to get help with your down payment
Last updated February 27, 2026
Table of Contents
Types of Down Payment Assistance
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Federal Programs
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State and Local Programs
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How to Apply
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Combining DPA with Loan Programs
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Find Your Rate →Frequently Asked Questions
What is down payment assistance?
Down payment assistance (DPA) programs provide grants, forgivable loans, or low-interest second mortgages to help homebuyers cover their down payment and sometimes closing costs.
Do I have to pay back down payment assistance?
It depends on the program. Some offer grants that never need to be repaid, while others provide forgivable loans that are forgiven after you live in the home for a certain period.
Who qualifies for down payment assistance?
Eligibility varies by program but typically includes income limits, first-time homebuyer status (though some programs are open to repeat buyers), and completion of a homebuyer education course.
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