Why Choose a DPA program?
See if you can buy a home with little or no money down
See if you can access grants, forgivable loans, or second liens to cover your down payment and even closing costs.
Available in Multiple States and Loan Types
Options for TX, FL, DC, WA and more — compatible with FHA, VA, and Conventional loans.
Not Just for First-Time Buyers
Many programs are available to repeat buyers and don’t have income restrictions.
All products
We have the loans to achieve your goals.
FHA 100% Financing
• Combines FHA first mortgage with DPA second
• Available in multiple states
• Forgivable second lien options available
One Home One Down
• Buyer contributes 1% down
• Lender contributes 2% (must result in 3% total)
• Limited to $4,000 max lender contribution
• Available for eligible borrowers under qualifying income limits and loan size
• Typically paired with conventional loan products
Washington Bond Program
• State-sponsored DPA via bond-backed programs
• Second lien used for down payment assistance
• Available for FHA, VA, USDA, and conventional loans
• Subject to income, purchase price, and location limits
Florida Housing
• Offers both forgivable and repayable second lien DPA
• Used with a fixed-rate first mortgage
• Income and purchase price limits vary by county
• First-time buyer requirement may apply in some cases
DC Open Door
• Provides 0% interest second lien to cover down payment and/or closing costs
• Deferred payment — no payments while you live in the home
• Available to first-time and repeat buyers
• Must use an approved lender and eligible property in D.C.
TDHAC
• Provides 0% interest second lien to cover down payment and/or closing costs
• Deferred payment — no payments while you live in the home
• Available to first-time and repeat buyers
• Must use an approved lender and eligible property in D.C.
TSHAC
• Down payment and closing cost assistance
• Available to first-time and repeat buyers
• May be paired with FHA, VA, USDA, or conventional loans
• Offers forgivable or repayable second liens