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Down payment assistance programs (DPA) that allow you to bring as little as $3,000 – $4,000 in total to the closing table.

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• Special incentives for graduates who graduated within the past 48 months.

• Special incentives for Teachers, police officers, EMS workers, medical professionals with direct patient care.

• County specific income requirements

• Programs that allow a minimum of a 640-credit score

• Can be used so someone has extra funds for appraisal gaps 

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$0 down payment programs that allows a minimum of a 600-credit score!

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• Do not have to be a first-time home buyer

• No income requirements

• Various options that allow someone to have to bring 3,500 to 6,500 (in total) to closing table

• Can be used so someone has extra funds for appraisal gaps

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Mortgage Tax Refund Program

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• Get up to 2,000 as an additional tax refund each year on your taxes for 9 years (They would receive up to 18,000 because they bought a home)

• Have to be a first-time home buyer

• County specific income requirements

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3% down programs

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• If under 100% of the Area Median they will receive the same interest as someone with a 780+ credit score

• Options for discounted mortgage insurance

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Veterans

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• 0% down

• Low credit allowed

• Have multiple VA loans at once!