Your first home starts here
Buying your first home is a big moment, and we're here to make it easier. At Capital City Home Loans, we simplify the journey with expert guidance, flexible loan options and low down payment programs designed just for first-time buyers. Our team is with you every step of the way to help turn your homeownership goals into reality.
Let's get started. Connect with a local mortgage expert and take your first step with confidence.
Explore first-time homebuyer programs
From FHA loans to conventional mortgages with as little as 3% down, we offer loan options tailored for the first-time homebuyer.
What to expect: the homebuying process
Get expert guidance from pre-qualification to closing. We'll explain each step so you feel confident and informed.
First steps to buying a house
Access information about first-time homebuyer programs and down payment assistance grants for homebuyers, plus budgeting tools and mortgage calculators to help guide your journey and make informed decisions in our Homebuyer Guide.
Local experts you can trust
Our mortgage consultants live and work in your community. We offer personalized advice and fast approvals because we care about your homeownership journey.
Down payment assistance programs
Saving for a down payment is one of the biggest challenges facing homebuyers today - especially first-time buyers - but thousands of down payment assistance grants are available nationwide to to help reduce upfront costs and make homeownership more affordable.
Learn more about Down Payment Assistance right here in our Homebuyers Guide. And when you're ready, 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. We're here to make sure you get every advantage available.
Tools for your first-time homebuying journey
Your home loan in five steps
Know what to expect from the mortgage process, application to closing.
Mortgage payment calculator
Learn how much you can afford and what you’ll need for a down payment.
Benefits of USDA Loans
No-to-low down payment if purchasing a home in a qualifying rural area.
Weighing the costs of renting versus buying?
Calculate all the costs to make an informed decision.
