DPA Programs
Discover how we leverage two powerful Down Payment Assistance options to bridge the $6–10k gap at closing so you can roll in with $0 out-of-pocket.
Government-Funded DPA
Program: National Faith Homebuyers Program
Website: nationalfaith.org
Funding Source: Federal/state grant
Type: Forgivable grant (no repayment required)
Key Features & Requirements:
Income Limits: Must fall within program-specific income bands
Minimum Credit Score: 580
Underwriting: Full approval through the Automated Underwriting System (AUS)
Typical Benefit: Covers 3.5% FHA down payment plus most closing costs
Ideal for: Buyers with credit scores 580–619 who meet income-eligibility and want true grant funds.
Lender-Provided DPA (In-House Second)
Program: Zero Down Second-Lien DPA
Funding Source: Private lender funds
Type: 5% second mortgage (repayable over life of loan)
Key Features & Requirements:
Loan Amount: 5% of purchase price (e.g., $5,000 on a $100,000 home)
Borrower Cash at Closing: Typically $2–$3 K after layering with FHA & seller credits
Income Limits: None—open to all qualified borrowers
Minimum Credit Score: 620 (or 640+ for manual underwriting)
Underwriting:
Standard: AUS decision
Manual UW Option: Available if credit ≥ 640
Ideal for: Buyers with stronger credit (620+), any income, who are comfortable repaying a small second lien.
Side By Side Comparison
| Feature | Gov’t-Funded DPA | In-House Lender DPA |
|---|---|---|
| Type | Forgivable grant | Repayable second mortgage |
| Max Assistance | Up to 3.5% + closing costs | 5% of purchase price |
| Borrower Cash Needed | $0 | $2–$3 K |
| Income Limits | Yes | No |
| Min. Credit Score | 580 | 620 (640+ for manual UW) |
| Underwriting Method | AUS only | AUS or manual UW |
How to Choose & Apply
1. Check Your Profile
Use our Eligibility Quiz to see which DPA you qualify for.
2. Book a DPA Strategy Call
15-minute session to map your path to $0 down.
3. Submit Documentation
Iincome verification, credit review, and AUS/manual underwriting.
4. Lock Your Funds
DPA is reserved pair it with FHA, seller credits, and our other strategies for a $0-Down closing.