Down Payment Assistance: Grants & Programs by State
Down Payment Assistance 2025
Buying with little cash down is possible. DPA can come as grants, forgivable seconds, or deferred-payment seconds that help cover down payment and sometimes closing costs. We’ll check your eligibility in minutes and pair the best program with Conventional, FHA, VA, or Jumbo financing.
Who typically qualifies
- First-time buyers (or no home in the last 3 years)
- Income/price limits by county
- Minimum credit and homebuyer education
- Primary residence only (most programs)
Common program types
- Grant (no repayment)
- Forgivable second (forgiven after you live in the home X years)
- Deferred-payment second (no payments until sale/refi or maturity)
How it works (5 steps)
- Pre-qual: quick screen for DPA + loan program
- Pre-approval: we verify credit, income, assets
- Program match: pick best DPA (grant/second) + loan
- Offer & contract: align timelines with the DPA provider
- Close: sign, fund, and move in
States we serve
Arizona • California • Colorado • Texas • Florida • Oregon
Each state has multiple options; availability and terms change often. We’ll confirm current guidelines for your city and price point.
Next step: Get a fast pre-approval and DPA screening: (480) 336-3737
Helpful links
Disclaimer: Program terms/availability change and vary by county/lender participation. This page is general info, not a commitment to lend or program approval