Unlock homeownership with Down Payment Assistance grants
Saving for a down payment is one of the biggest challenges facing homebuyers today - especially first-time buyers. The good news? Thousands of down payment assistance grants are available nationwide to help reduce upfront costs and make homeownership more affordable - sometimes providing up to $10,000 in down payment assistance. Whether you’re just starting your home search or getting close to making an offer, these programs could help you get the keys to your new home sooner than you think.
Benefits of Down Payment Assistance
- Reduced Upfront Costs: Lower your initial investment, making homeownership more accessible with as much as $10,000 in down payment assistance.
- Increased Purchasing Power: Afford a home that better suits your needs.
- Financial Flexibility: Preserve savings for emergencies or home improvements.
- Homeownership Opportunities: Enter the housing market sooner than expected.
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What is Down Payment Assistance?
Down payment assistance programs provide eligible homebuyers with funds to cover down payments and sometimes closing costs. Assistance can come in various forms, including:
- Grants: Money that doesn't need to be repaid.
- Forgivable Loans: Loans that are forgiven if you meet certain criteria, such as living in the home for a set number of years.
- Deferred Payment Loans: Loans that don't require repayment until you sell, refinance or pay off your mortgage.
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Who Qualifies for Down Payment Assistance?
Down payment assistance helps first-time homebuyers and low- to moderate-income buyers achieve homeownership. Eligibility depends on factors such as first-time homebuyer status, income, credit score and the location of the property.
Many first-time homebuyer grants in Florida can be combined with popular loan programs to make homeownership more affordable, especially for buyers with limited savings or moderate incomes.
With thousands of programs available nationwide, rely on the mortgage experts at Capital City Home Loans to help you find the down payment assistance option that best fits your needs.
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Let's find the right program for you
Many homeowners rely on down payment assistance to help make their homeownership dreams a reality. With thousands of programs available nationwide, finding the best solution may feel daunting, but our seasoned mortgage consultants bring clarity and confidence to the process with deep knowledge and a client-first approach.
We’ll help you explore grants to help with down payment, check eligibility and connect you with the programs that align with your budget, goals and loan type. Whether you’re using an FHA loan, conventional fixed-rate, VA loan or USDA loan, we’re here to make sure you get every advantage available. We are skilled at matching buyers with the programs that deliver real value.
Here’s a list of highly respected programs with which we’ve paired our clients over the years:
| Atlanta Neighborhood Development Partnership Augusta Housing and Community Development City of Tampa DPA Cobb County NSP Georgia Dream Dekalb County DPA and NSP Jacksonville HFA Escambia County HFA FHLB Affordable Housing Program Florida Housing Homebuyer Program |
Good Neighbor Next Door Gwinnett HomeStretch Gwinnett Housing Hillsborough County HFA Home Sweet Home Program Home, Inc. Homes for Heroes Housing Authority of Cobb County Lawrenceville Housing NSP Lee County HFA Manatee County SHIP Nashville Housing Fund |
Northwest Georgia Regional Commission NSP North Carolina CHDO Pasco County HFA Pinellas County HFA Nassau County SHIP St. Petersburg Housing DPA Sumter County DPA USDA Direct Home Loan Program We Dekalb |
Contact our team or explore our mortgage loan comparison and information pages to see how down payment assistance can fit into your homebuying journey.