Down payment assistance programs

You can own a home. We can help.

Saving for a down payment is often the hardest part in the homebuying process–but it doesn’t have to be. Since we started helping people into homes, Guild has been an advocate for affordable lending programs. We work with counties across the nation to offer over 500 down payment assistance programs that help you become a homeowner, sooner.

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What are down payment assistance (DPA) programs?

Down payment assistance (DPA) programs are available county-by-county to offer first-time homebuyers assistance with down payment and closing costs to purchase a home.

How do down payment assistance (DPA) programs work?

Down payment assistance is provided in the form of a loan or grant–secured as a lien against the property–and is often forgiven over time.


  • Increase your buying power
  • Potentially avoid mortgage insurance requirements
  • Grant money does not have to be paid back

Who qualifies for DPA programs?

Eligibility is most commonly based on income, however, that can vary depending on the property location.

Who can qualify for down payment assistance:

  • First-time homebuyers
  • Individuals with incomes below area median levels
  • Borrowers with little to no money saved for a down payment

All loans subject to underwriter approval; terms and conditions may apply. Subject to change without notice. Always consult an accountant or tax advisor for full eligibility requirements on tax deduction.

Not sure where to start? Try our affordability calculator to get an idea of how much house you can afford.

Home Loan Guide

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