Question 1

How do I find down payment assistance programs?

Accepted Answer

Down payment assistance (DPA) programs are offered by state housing finance agencies, local governments, and nonprofits. To find them, enter your state, county, household income, and estimated home price in our free DPA Finder tool. Most programs require you to be a first-time homebuyer (no home ownership in the last 3 years) and meet income limits based on your area's median income.

Question 2

Do I qualify for down payment assistance?

Accepted Answer

Eligibility varies by program, but most DPA programs require: first-time homebuyer status (no ownership in last 3 years), income at or below 80–120% of your area's median income, a minimum credit score (usually 620+), and purchasing a primary residence within the program's geographic area. Use our DPA Finder to see which specific programs you qualify for based on your situation.

Question 3

How much down payment assistance can I get?

Accepted Answer

Down payment assistance ranges widely — from $2,500 to $25,000 or more depending on the program and your state. Many programs offer 3–5% of the purchase price as a grant or deferred loan. The average benefit for HomeLeap users is $10,000–$15,000. Some programs also cover closing costs in addition to the down payment.

Down Payment Assistance Finder

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