Down Payment Assistance Hub
How much home can your cash buy?
See exactly what conventional, FHA, and VA loans put within reach - with and without down payment assistance. No personal info, no signup.
FHA
3.5% Down
Up to
$307,000
limited by $2,500/mo budget
Rate
6.500%
Monthly
$2,043/mo
P&I $1,905 + MI $138
Down payment
Covered
DPA 3.5%
Loan amount
$301,439
Cash to closetap for details$0
- Lender fee$1,313
- Title + settlement$1,996
- Transfer tax$2,149
- Recording$250
- Prepaid taxes (3 mo)$637
- Prepaid insurance (14 mo)$3,403
- Prepaid interest (15 days)$805
- Seller credit (3%)- $9,210
- DPA covers down + closingcovered
Conventional
3% Down
Up to
$301,000
limited by $2,500/mo budget
Rate
6.875%
Monthly
$2,052/mo
P&I $1,918 + MI $134
Down payment
Covered
DPA 3%
Loan amount
$291,970
Cash to closetap for details$0
- Lender fee$1,313
- Title + settlement$1,957
- Transfer tax$2,107
- Recording$250
- Prepaid taxes (3 mo)$625
- Prepaid insurance (14 mo)$3,336
- Prepaid interest (15 days)$825
- Seller credit (3%)- $9,030
- DPA covers down + closingcovered
VA
0% Down
Did you serve?
VA loans are for veterans, active duty, and certain spouses. Toggle "Yes" above to see your numbers.
What is DPA?
Down payment assistance covers some or all of your down payment, often up to 5% of the home price. Some programs are second mortgages, some are forgivable, and some are outright grants.
Who qualifies?
Most DPA programs work with FICO 580 or higher. Some have first-time buyer rules; many do not. Most have no income cap. Eligibility varies by state.
Why VA wins for veterans
No down payment, no monthly mortgage insurance, lower rates than conventional. The funding fee is rolled into the loan. If you served, this is almost always the strongest path.
Rates and itemized closing costs are state-average estimates for illustrative purposes. Final figures are determined at underwriting and on the official Loan Estimate. Pricing assumes a 30-year fixed loan, primary residence, single-family home, lender-paid compensation. Mortgage insurance estimates are typical and vary by FICO and LTV.