First-Time Buyers
The down payment is the biggest hurdle for most first-time buyers. Down-payment assistance (DPA) programs help bridge that gap — and many buyers don't realize they may qualify.
Common forms of DPA
- Grants — funds that don't have to be repaid (subject to program rules).
- Second loans — a small additional loan, sometimes deferred or forgivable over time.
- Employer / community programs — local or profession-specific assistance.
Who offers it
State housing finance agencies, counties, cities, and some nonprofits and employers. Programs come and go and have income and price limits, so availability is local and time-sensitive.
The honest part: we'll tell you straight which programs are realistically open for your area and situation — and pair the right loan with them.
Start here, free and no obligation.
Educational content only — not financial advice or a commitment to lend. Programs, rates, and guidelines vary and change; talk to a Stateside expert about your specific situation. NMLS #2567704.
Get Pre-Approved ← Back to articles
