Down Payment & Assistance

Low-down options include FHA (often 3.5%), VA ($0 for eligible borrowers), USDA (0% in eligible areas), and conventional programs at 3% for qualified first-time buyers.

Gift funds are common - but require a gift letter and proof the donor is not expecting repayment. We verify sourcing before closing so funds are not questioned late in the file.

State and local assistance programs may layer with eligible first loans when guidelines align. HomeReady and Home Possible add conventional paths with income limits. Your loan officer stacks options you actually qualify for.