Down Payment Assistance Options for Homebuyers
Help Is Available—You May Not Need 20% Down
Many buyers believe they need a large down payment—but that’s often not the case. We’ll help you explore down payment assistance programs available in your area and walk you through your home loan options.
Unlock the Door to Homeownership Sooner
If saving for a down payment feels like the biggest obstacle, you're not alone. The good news? There are programs that can help. Whether you're buying your first home or returning to the market, our team will help you find assistance that fits your needs.
How to Get Started With Down Payment Assistance
Talk to a Loan Officer
Start by connecting with a licensed mortgage lender near you. They’ll help you determine what programs you may qualify for based on your location, income, and loan type.
Explore Local and State Programs
We’ll help you identify down payment assistance options available in your city or state—many of which are designed specifically for first-time buyers.
Review Eligibility Requirements
Every program is different. We’ll walk you through qualification guidelines like income limits, credit score minimums, and property types.
How much help can I get with my down payment?
Some programs offer grants or forgivable loans covering 3%–5% of the home’s price. It depends on your location and eligibility.
Do I need to be a first-time homebuyer?
Not always. Some programs are open to repeat buyers or those who haven’t owned a home in the last 3 years.
Can I combine assistance with a conventional loan?
Many programs work with conventional, FHA, VA, or USDA loans. Your loan officer will help match you with the right fit.
Down Payment Assistance: What You Need to Know
Got questions? Here are some common ones from homebuyers exploring assistance options.
Let’s Make Affordability Work for You
Whether you’re house hunting or just starting to explore your options, we’ll help you find the down payment support you need—online or in person at one of our branches.
