First-Time Homebuyer Programs
Down payment assistance and low-down-payment options for new buyers
First-time buyers have access to programs combining low down payments, reduced mortgage insurance, and state and local down payment assistance.
Apply now
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01
Low Down Payment
Programs starting at 0% (VA/USDA), 3% (Conventional), and 3.5% (FHA).
02
Down Payment Assistance
We coordinate with state and local DPA programs to layer additional grant or forgivable loan funds.
03
Reduced PMI
HomeReady and Home Possible offer reduced mortgage insurance compared to standard Conventional.
04
Buyer Education
We connect buyers with HUD-approved homebuyer education courses to satisfy program requirements.
01
Gift Funds
Most programs allow 100% of the down payment from gifts, including FHA and Conventional 3% down options.
02
Flexible Credit
Programs available for credit scores starting at 580 (FHA) and 620 (Conventional).
03
Pre-Approval Speed
Most first-time buyers receive a pre-approval letter within 24-48 hours of completed application.
04
Closing Cost Help
Sellers can contribute up to 6% (Conventional) or 6% (FHA) of the purchase price toward closing costs.
frequently asked questions
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