Down payment assistance finder.
There is free money sitting on the table and nobody told you about it. Over 2,000 down payment assistance programs exist nationwide — grants, forgivable loans, deferred seconds — and most buyers have no idea they qualify. Two minutes. Find out.
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Book a ConsultationWhat Is Down Payment Assistance?
DPA programs help homebuyers cover their down payment and closing costs through grants, forgivable loans, and low-interest second mortgages.
Grants
Free money that never needs to be repaid. Many state and local programs offer grants of $2,500 to $15,000+.
Forgivable Loans
Second mortgages that are forgiven after a set period (usually 5-15 years) if you stay in the home.
Deferred Loans
Zero-interest second mortgages with no monthly payments. Due only when you sell, refinance, or move.
Frequently Asked Questions
Do I have to be a first-time buyer to get DPA?
Not always. While many programs are for first-time buyers, several programs in every state we serve are available to repeat buyers as well.
Can I combine DPA with an FHA or conventional loan?
Yes. Most DPA programs can be paired with FHA, conventional, VA, or USDA first mortgages. Your loan officer will help you find the best combination.
What counts as a 'first-time buyer'?
Generally, anyone who has not owned a home in the past 3 years. This includes people who previously owned but sold or lost their home.
Are there income limits?
Yes, most programs have income limits that vary by state and household size. Many programs have limits well above the median income.
You now see which of the 57+ assistance programs actually apply to you.
Next up: 5-minute readiness check.
Keep the momentum. Step 3 · Qualify picks up exactly where this page leaves off — still free, still no credit pull, still no sales call.
DPA program details, income limits, and availability are subject to change. The information provided is for educational purposes and may not reflect the most current program requirements. Eligibility is determined by the administering agency, not AMLO. This tool provides a preliminary check only. Consult a licensed mortgage professional for personalized guidance on DPA programs in your area.