Down-Payment Assistance Programs | Carla Ladd - Mortgage Loan Originator

Down-Payment Assistance Available!

Get a quote on down-payment assistance programs today and discover how much you can save.

➜ Want My DPA Quote! Get Free Consultation

Why Down-Payment Assistance?

BUY YOUR DREAM HOME WITH LITTLE MONEY DOWN WITH AN DPA LOAN

Down-Payment Assistance programs, backed by the Federal Government and state organizations, offer low down payments, making homeownership more accessible. With a DPA loan, you have options whether you're buying or refinancing. Home mortgage calculators can help you determine the best DPA program for your needs.

Receive a quote on DPA loans today. Whether you're a first-time home buyer or a repeat buyer, we'll help you find the right down-payment assistance program for your situation.

DPA Loan Qualifier ➜

About Down-Payment Assistance Loans

Down-payment assistance programs help qualified borrowers reduce or eliminate their down payment costs. These programs are designed to make homeownership more affordable and accessible for first-time buyers, teachers, healthcare workers, veterans, and many others.

We're here to make the DPA home loan process easier, with tools and knowledge that will help guide you through the process, starting with our DPA Loan Qualifier.

We'll help you clearly see differences between loan programs, allowing you to choose the right program for whether you're a first-time home buyer or a repeat buyer.

Available DPA Programs

Explore various assistance programs designed to help you achieve homeownership

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FHA Loans

Federal Housing Administration loans allow down payments as low as 3.5% with assistance available for closing costs and fees.

Min Down Payment: 3.5% Credit Score Needed: 500+ Best For: First-time homebuyers Assistance Available: Up to 10%

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VA Loans

Military members and veterans can access zero down payment options with no private mortgage insurance required.

Min Down Payment: 0% Credit Score Needed: 620+ Best For: Veterans & Active Duty No PMI: Mortgage Insurance Not Required

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USDA Loans

Rural Development loans offer zero down payment for eligible rural homebuyers with favorable terms and rates.

Min Down Payment: 0% Credit Score Needed: 580+ Location: Rural & Designated Areas Max Assistance: 100% Financing

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Professional Programs

Teachers, doctors, nurses, firefighters, and other professionals access specialized assistance programs with favorable terms.

Min Down Payment: 2-5% Credit Score Needed: 620+ Professions Included: Teachers, Healthcare, First Responders Max Assistance: Up to $25,000+

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Conventional + Grants

Combine conventional mortgages with down payment grants from nonprofits and local community organizations.

Min Down Payment: 3% Credit Score Needed: 640+ Grant Programs: 2-10% Assistance Combined Options: Maximum Flexibility

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State & Local Programs

Many states and local governments offer down payment assistance programs tailored to area housing needs.

Min Down Payment: Varies by Program Credit Score Needed: 600+ Availability: State & Local Dependent Max Assistance: Up to $50,000+

The Down-Payment Assistance Loan Process

Here's how our down-payment assistance loan process works:

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Complete DPA Qualifier

Start with our simple DPA Loans Qualifier to check eligibility for all available programs.

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Receive Program Options

Get personalized options based on your unique criteria and financial situation.

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Compare & Choose

Compare mortgage interest rates, terms, and available assistance amounts side by side.

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Choose Your Program

Select the offer that best fits your needs and financial situation.

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Adjustable-Rate Options

Access adjustable-rate mortgages (ARM) with lower initial rates if desired.

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Low Down Payments

Enjoy low down payment options as little as 0-5% depending on your program.

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Loan Options Available

Choose from standard, jumbo, and super jumbo loan options to fit your needs.

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Flexible Terms

Select flexible loan terms ranging from 10 to 30 years or more.

DPA Navigator

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