Down Payment Assistance Programs

Think you need a 20% down payment to buy a home? Think again. We work with a variety of down payment assistance (DPA) programs designed to help qualified buyers get into a home with little to no money out of pocket.

Down Payment Assistance programs help cover some—or all—of the upfront costs of buying a home, including your down payment and closing costs. These programs are often funded by state and local housing authorities, nonprofit organizations, or grant providers.

Each program has its own requirements, but in general, you may qualify if you:

• Are a first-time homebuyer or haven’t owned a home in the past 3 years
• Meet income and purchase price limits for your area
• Use the home as your primary residence
• Complete a brief homebuyer education course

✅ Not a first-time buyer? No problem.
We even have programs available for repeat buyers.

✅ Concerned about income limits?
We offer options with no income restrictions at all.

• Grants: No repayment required
• Forgivable Loans: Repaid only if you sell or refinance within a set number of years
• Deferred Loans: No payments due until you sell or refinance
• Low-interest Loans: Helps reduce out-of-pocket expenses

CWe help clients access down payment assistance through:

• Special Investor Programs
• TSAHC (Texas State Affordable Housing Corporation)
• HomeReady® / Home Possible®
• Local nonprofit programs
• Conventional and FHA-compatible options

Let us walk you through the options and match you with the best program for your situation—even if you’ve owned a home before or thought you earned too much to qualify.