Loan Program
Down Payment Assistance
Down payment assistance closes the gap between what you have saved and what you need at the closing table. Many buyers qualify without realizing the programs exist.
Key highlights
- Assistance toward down payment and eligible closing costs
- Income and purchase price limits vary by county
- Often pairs with FHA or conventional first mortgages
- First-time buyer definitions are broader than most people assume
How assistance is structured
Depending on the program, assistance arrives as a second mortgage, a deferred loan, or forgivable funds tied to how long you stay in the home. Each has different long-term implications, and we compare them before you commit.
Eligibility, checked properly
Household income, county, property type and buyer status all matter. Availability and terms change, so we verify current program rules at the time you apply rather than quoting last year's guidelines.
Frequently asked questions
Do I have to repay down payment assistance?
It depends on the program. Some funds are forgiven after a set occupancy period, others are repaid on sale or refinance.
Can I combine assistance with an FHA loan?
Frequently, yes. Many assistance programs are designed to pair with FHA or conventional first mortgages.
Your Next Step
Your home is one conversation away.
Call, text, or send your details. Samia personally reviews every situation and guides you through each step of the process.
(561) 827-4700