Down Payment Assistance
Grant Programs & Financial Assistance
We'll help you navigate available down payment assistance programs and grants to make homeownership more affordable.
How We Navigate Grants Together
While MortgageCS doesn't directly offer grant programs, we're experts at helping clients identify and access down payment assistance through state, local, and nonprofit organizations.
Initial Review
We assess your situation and identify potential programs
Program Research
We research all available federal, state, and local options
Note: If we don't have access to suitable programs for your situation, we'll recommend a lender who does.
Application Support
We help you gather documents and complete applications
Loan Integration
We structure your mortgage to maximize your assistance
Common Grant & Assistance Programs
These are some of the most widely available programs.
| Program Type | Typical Assistance | Who Qualifies | Key Benefits |
|---|---|---|---|
State Housing Finance Programs State HFA | Down Payment & Closing Costs 3-5% of purchase price | First-time buyers, income limits apply |
|
County & City Programs Local Government | Down Payment Grants Varies by location | Location-specific, often for targeted areas |
|
Good Neighbor Next Door HUD | 50% Home Discount Half off list price | Teachers, law enforcement, firefighters, EMTs |
|
Employer Assistance Various Employers | Varies by Program $5,000-$20,000 typical | Company employees |
|
Nonprofit Programs Various Organizations | Grants & Soft Seconds Up to $10,000 | Varies by organization |
|
State Housing Finance Programs
State HFA
Down Payment & Closing Costs
3-5% of purchase price
First-time buyers, income limits apply
- Low or no-interest loans
- Grants up to $15,000
- Can combine with FHA/VA
County & City Programs
Local Government
Down Payment Grants
Varies by location
Location-specific, often for targeted areas
- Forgivable loans
- No monthly payment
- Neighborhood revitalization
Good Neighbor Next Door
HUD
50% Home Discount
Half off list price
Teachers, law enforcement, firefighters, EMTs
- Massive discount
- HUD-owned homes
- Build community
Employer Assistance
Various Employers
Varies by Program
$5,000-$20,000 typical
Company employees
- Employee benefit
- Retention incentive
- Tax advantages
Nonprofit Programs
Various Organizations
Grants & Soft Seconds
Up to $10,000
Varies by organization
- Mission-driven
- Flexible terms
- Education included
Note: Program availability and requirements vary by state, county, and city. Income limits, purchase price limits, and other restrictions apply.
Why Work with MortgageCS
Expert Program Knowledge
We stay current on all available programs and their requirements
Established Relationships
Strong connections with state and local housing agencies
Application Assistance
We help with paperwork and ensure nothing is missed
Maximize Your Benefits
We structure loans to work with multiple assistance programs
Ready to Explore Your Options?
Schedule a free consultation with our team to discuss available grant programs and down payment assistance options. We'll review your situation and help you understand what you may qualify for.
No obligation. We're here to help you understand your options.
Frequently Asked Questions
Don't Leave Money on the Table
Let us help you find and secure available grants.
Many buyers miss out on thousands in assistance simply because they don't know it exists. Our team will ensure you get every dollar available.
