DPA (Down Payment Assistance)

Programs that provide grants, forgivable loans, or deferred-payment seconds to help with down payment and closing costs.

Down payment assistance programs help eligible buyers — typically first-time buyers, lower-income buyers, or specific occupations — cover the down payment and closing costs on a home purchase. Three main types: outright grants (never repaid), forgivable seconds (forgiven over 5-15 years if you stay), and deferred seconds (repaid when you sell or refinance). Each state has its own programs, often with city/county overlays. Income limits and area restrictions apply.