Let’s understand your options.
Down payment assistance may be offered through state, local, or other programs. The details matter: some help comes as a grant, while other assistance has repayment or forgiveness conditions. We’ll review available options and the obligations that come with them.
Eligibility
Programs may consider factors such as income, location, purchase price, buyer status, and education requirements.
Repayment terms
Ask whether the assistance is a grant or a loan, whether payments are required, and what happens if you sell or refinance.
Funding and timing
Availability can change. Confirm funding and deadlines before you rely on a program for your purchase.
Complete loan costs
Compare the combined payment, rate, fees, and assistance terms. The amount of upfront help is one part of the picture.
Helpful for our conversation
- Your target location and purchase price
- Your household and income information, when requested
- Your savings, timeline, and questions about repayment
Questions you may be asking
Put some numbers to your plan.
Use the calculators to explore a scenario before we talk.