Down Payment Assistance
Down payment assistance may reduce the cash needed at closing through grants, forgivable loans, deferred-payment loans, or low-rate second mortgages. Rules vary by program.
If you want to know what you qualify for quickly, start a pre-approval.
Mortgage Application / Pre-Approval Ask About Assistance
Please accept calls from 352-988-4900 or 407-347-3420.
Common types of assistance
- Grants: No repayment required if you meet program rules.
- Forgivable second loans: Balance may be forgiven after staying in the home for a period.
- Deferred-payment seconds: Repayment is delayed until refinance, sale, or payoff.
- Low-interest second mortgages: A second loan that helps cover the down payment.
Typical eligibility factors
- Income limits (household income)
- Credit score and debt-to-income
- First-time buyer status (varies by program)
- Property type and occupancy requirements
- Purchase price limits and area restrictions (program-specific)
Fast path: get a plan
If you tell us your income range, target payment, and city/state, we can identify likely options and next steps.