Down Payment Assistance — clearing the biggest hurdle
Assistance programs for the single biggest obstacle: the down payment.
Many states, counties and cities offer down payment help as a grant or a low-interest second loan. Plenty of people qualify without realizing they qualify.
These programs change constantly by location and budget. My job is to check which ones you can actually use today.
Who it's for
- First-time buyers (often defined as not owning a home in the last 3 years)
- Buyers at or below the area's median income
- Buyers with enough credit but short on cash
- Buyers in areas with local programs
Key points
- May be a non-repayable grant or a low-interest second loan
- Helps with down payment and/or closing costs
- Can be paired with FHA, VA or conventional loans
- Income- and area-based eligibility
- Amounts and terms vary — must be checked case by case
Assistance amounts are estimates, may be limited, and may not be available in all areas. Eligibility varies by state and city.
How working with me goes
Four clear steps. You always know where you stand and what happens next.
1. We talk
We discuss your goals, your income and what you have saved. No commitment and no credit check.
2. I review your file
I look at your real numbers and tell you which loan types you qualify for, with actual figures — not ballparks.
3. Pre-approval letter
You get a pre-approval letter so you can shop and make offers with confidence.
4. We close
I stay on it through closing day and walk you through every page you sign.
Ready to get started?
It takes a few minutes. No credit check to explore your options, and you get straight answers — in English or Vietnamese.
Exploring your options does NOT affect your credit score.