Down Payment Assistance Finder for Your Area
PRMG offers 200+ standalone down payment assistance programs across the country, plus we cross-reference Down Payment Resource and Freddie Mac's DPA One database so no available program gets missed. The best fit depends on your income, credit profile, property location, and timeline.
What this tool shows
- Estimated minimum down payment
- Programs that may match your eligibility
- Monthly payment ranges
- Next steps to move forward
About 60 seconds. We never ask for your Social Security number, exact credit score, or any sensitive financial data.
CalHFA MyHome, Forgivable Equity Builder, Dream For All Shared Appreciation, GSFA Platinum, Sacramento SHRA, NJHMFA First-Time Homebuyer DPA, Atlanta AHA, San Diego SDHC FTHB, Houston HAP, Chicago / Cook County DPA, and 200+ more nationwide.
Find programs available in your area.
We maintain our own continuously-updated database of standalone down payment assistance programs PRMG is approved to originate. Search by your state and city or county to see what may apply to you.
Send your info. We'll narrow your matched programs and price them out.
A general database search is a starting point. Income limits, credit overlays, and funding cycles change often. Send the form below and we will return the programs that fit your specific situation, plus a side-by-side payment comparison.
Why down payment assistance matters
The biggest reason buyers think they can't afford a home is the down payment. But states, county housing authorities, and lender-funded programs offer real assistance - sometimes covering the full down payment and a portion of closing costs.
The catch: each program has different rules around income, location, credit, and first-time buyer status. Stacking the wrong programs together (or applying through the wrong loan type) is the #1 reason buyers get denied DPA.
That's where strategy matters. We sit on top of these programs daily and know which ones are still funded, which lender overlays apply, and which combinations actually work.
Common questions
Do I need to be a first-time buyer?
For most programs, yes - but "first-time" usually just means you haven't owned in the last 3 years.
Do I have to pay the assistance back?
Some programs are forgivable, some are deferred (no payment until sale or refinance), and some are silent seconds with no monthly payment.
Can I combine DPA with FHA, VA, or conventional?
Often yes. We layer programs the right way to maximize your benefit.
Will DPA delay my closing?
Done correctly, no. We submit DPA paperwork in parallel with the main loan file.
Official program sources
Verify current guidelines, income limits, purchase price limits, and funding availability directly with the issuing agencies.
- CalHFA MyHome
- CalHFA Dream For All
- GSFA Platinum
- Sacramento SHRA
- Chenoa Fund
- NJHMFA
- CFPB Homebuyer Guide
- HUD Homebuyer Resources