Down Payment Assistance
The down payment is the biggest hurdle for many buyers — but it doesn’t have to be. Down payment assistance (DPA) programs provide grants or second loans that help cover your down payment and closing costs, making homeownership possible with little out of pocket.
Who It’s For
- First-time homebuyers (and many repeat buyers)
- Buyers with steady income but limited savings
- Anyone who wants to preserve cash reserves after closing
Programs I Offer
- National DPA programs — available across the country, often paired with FHA or conventional first mortgages
- CalHFA (California Housing Finance Agency) — California’s flagship assistance programs, including MyHome Assistance and down payment grants for first-time buyers
- GSFA (Golden State Finance Authority) — down payment assistance options for California homebuyers, including grant and second-lien programs
Key Features
- Grants that never have to be repaid, or deferred second loans
- Can be combined with FHA, VA, USDA, or conventional first mortgages
- Help with both down payment and closing costs
DPA programs each have their own income limits, credit requirements, and homebuyer education rules. I’ll match you with the programs you qualify for and handle the extra paperwork so the process stays smooth.
Program Flyers
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