Down Payment Assistance Program
Saving a down payment is the hardest part of buying a home — and for a lot of families, it’s the only part standing in the way. Smart DPA puts up to 5% of the purchase price toward yours, so you can stop waiting and start looking.
Good news about who qualifies
Smart DPA is built to fit more buyers than a typical assistance program — here’s what that means for you.
What that could look like
A simple illustration of how Smart DPA can close the down payment gap.
On a $250,000 home, 5% is $12,500 — often the exact gap between what a family has saved and what it takes to get to closing. Smart DPA is designed to help close that gap on FHA and USDA purchases.
Illustrative example only. Actual assistance amount depends on the loan program, purchase price, and eligibility.
Let’s Make Home Happen
Ask us what Smart DPA would mean for you.
It’s a short conversation, and it costs nothing to find out.
Down payment assistance is provided through a third-party non-profit program, is available on eligible FHA and USDA purchase transactions for owner-occupied primary residences, and is subject to availability and change without notice. Forgiveness of assistance requires the first mortgage to remain in good standing for the full forgiveness period; the repayable option carries interest and a monthly payment. Additional fees apply. Dollar figures shown are illustrative examples only and are not an estimate of your terms. Terms and availability may vary by state.
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Since 1999, we’ve helped over 150,000 people across 23 states become homeowners.
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*Not a commitment to lend. All loans subject to credit and property approval. The following terms are for illustrative purposes only. Rates, payments, and loans terms vary by consumer based on their individual qualifying information. The payment amount illustrated does not include the amounts for taxes, property insurance, or mortgage insurance.
| Purchase Price | Loan Amount | Interest Rate | APR | Term |
|---|---|---|---|---|
| $239,000 | $227,050 | 6.5% | 6.725% | 30 |