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Down Payment Assistance


  • Min 580 Credit Score
  • Purchase Only
  • 1-2 Unit Primary Residence, Manufactured (Single Width, Multi-Width), FHA HRAP Approved Condos, PUDs
  • DPA is a completely forgivable grant, equal to 2% of Purchase Price
  • Up to 6% Seller Concessions
  • No resale or borrower repayment restrictions 
  • 20-yr, 25-yr, 30-yr Fixed Term Loan
  • Note: Borrower(s) must complete and execute the DPA Application including home counseling


  • Total borrower's income is equal to or less than 140% of median area income. Click here for the State/County Median Income Tool.
  • First-time Home Buyers (any borrower on the loan application), First-time Home Buyer Criteria:
    • is purchasing the Subject Property; will reside in the Subject Property as their principal residence; has had no ownership interest (sole or joint) in a residential property during the three-year period preceding the date of the application
    • OR is an individual who is a homemaker or single parent that has no ownership interest in a principal residence (other than a joint ownership interest with a (former) spouse) during the three-year period preceding the date of the application
  • Any borrower on the loan application who is a current, retired, volunteer, or non-paid:
    • First-responder: police officer, firefighter, public safety officer, paramedic, or emergency medical technician (EMT), including volunteers or similar;
    • Medical personnel (nurse, doctor, phlebotomist, or health ambassador, or hospital, American Red Cross worker, or similar);
    • Civil servant in a federal, state, or local municipality;
    • Military personnel