i.
Check Your Eligibility
Enter your state, estimated income, and purchase price. The tool matches you with DPA programs you may qualify for.
No credit check100% freeUnder 60 seconds
You might qualify for down payment assistance. Most people never check.
Over 2,000 DPA programs exist. AMLO’s free tool checks your eligibility in under 60 seconds — no login, no credit pull.
Check My Eligibility→
Free · No credit pull
2,000+
DPA programs nationwide
$10K–$50K
Typical assistance range
60 sec
Eligibility check
How it works
Three steps. Simpler than you think.
Most people qualify for programs they’ve never heard of. Every year, millions of dollars in DPA goes unclaimed.
ii.
Review Your Options
See which programs fit — grants, forgivable loans, deferred payments. Understand how much help is actually on the table.
iii.
Talk to a Specialist
When ready, connect with a vetted loan officer who knows the DPA programs in your state inside and out.
Coverage
Programs in your state.
Each state has its own programs — PHFA in PA, OHFA in Ohio, MSHDA in Michigan. AMLO knows them all.
PA
Pennsylvania
PHFA, Keystone Advantage, HOMEstead
OH
Ohio
OHFA, Grants for Grads, Your Choice!
IN
Indiana
IHCDA, Next Home, Homebuyer Plus
MI
Michigan
MSHDA, MI 10K DPA, Step Forward
NC
North Carolina
NCHFA, NC Home Advantage, Community Partners
SC
South Carolina
SC Housing, Palmetto Home Advantage
DPA Questions, Answered
What you actually want to know.
What is down payment assistance (DPA)?
DPA programs are grants, forgivable loans, or low-interest second mortgages that help cover your down payment and sometimes closing costs. They are offered by state housing agencies, cities, counties, and nonprofits. Many programs go unused every year because people do not know they exist.
Do I have to pay DPA back?
It depends on the program. Some are outright grants (free money). Others are forgivable loans that disappear after you live in the home for a set period, typically 5 to 10 years. Some are deferred loans with no monthly payments due until you sell or refinance.
Can I combine DPA with an FHA or conventional loan?
Yes. Most DPA programs are designed to layer on top of FHA, conventional, VA, or USDA loans. Your loan officer will help structure the best combination for your situation.
Does checking my eligibility affect my credit score?
No. The AMLO eligibility check is not a credit inquiry. It uses basic information you provide to match you with potential programs. No social security number or credit pull involved.
Don’t leave money on the table.
Thousands of dollars in assistance could be waiting. Check your eligibility in under 60 seconds — free, no credit pull.