Down payment assistance

Move toward homeownership with less money upfront

Explore programs that may help with a down payment or closing costs.

Down payment assistance programs may provide grants or loans that cover some or all of a qualified buyer’s down payment and closing costs. Programs are offered by state and local governments, nonprofit organizations, and lenders.

Eligibility

What programs may consider

Income and household size
Credit score and history
Home type and location
Requested loan amount
The mortgage program you qualify for

Program structures

How assistance may work

Grants that do not have to be repaid
Forgivable or low-interest loans
Deferred loans due when you sell, refinance, or repay the mortgage
Loans repaid monthly with the mortgage

Published program highlights

Options Village Mortgage can help explore

Credit scores as low as 620
Higher income may be allowed
Current homeowners may be eligible
Some options are not limited to a certain area
Featured options include 1% Down Conventional, FHA 100% Financing, and Within Reach

Why work with Village Mortgage?

Local guidance for your home purchase

Village Mortgage works with home buyers to compare available programs, understand eligibility requirements, and choose an option that fits their situation.

Start your home loan journey

See what may fit your needs

Begin the secure Village Mortgage questionnaire when you’re ready.

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