Down Payment Assistance

There are a variety of programs that can help you get into a home sooner:  Grants, down payment assistance, rent-to-own, farm loans, etc.  

 I once helped a young couple buy a farm property with a farm loan. Farm loans and grants is a large topic, and I have created a page specifically for them

 Many of the down payment assistance programs have income limits and require the recipient to be a first-time homebuyer.   However, in some programs you are considered a first-time homebuyer if you haven't owned a home in 3 years.  Programs can change or run out of money, so check with the program to find the current status. 

Some down payment assistance programs can get you into a house with no down payment. While this is possible, in the scheme of things, the more financially stable you are when buying a home the better you will fare.   In general, the less debt you carry and the lower your mortgage payment, the easier you life will be.  2018-2019 foreclosure statistics show that as many as 25-30% mortgages end up in foreclosure or short sales.

HUD actually banned seller-paid assistance in FHA mortgages in 2008, and has continued to scrutinize down payment assistance, citing statistics showing that assistance from government entities results in higher default rates.  Statistics like this tell you that the more financially stable you are when buying a home, the more likely you are to remain so.  

If you receive a down payment loan that is repayable when you sell, you would generally need to stay in your house for seven years or more, or you won't have much equity when you sell and need to repay the loan.

So do your research so you can minimize your debt burden, and perhaps a a down payment assistance program can help you a large buffer fund when buying a home.

 Call me if you have any questions, owning a home can be sooner than you thought.

  
 OUTLINE
  • Can You Qualify for Downpayment Assistance?
  • Habitat for Humanity 
  • Greater Metropolitan Housing Corporation (GMHC)
  • Home Partners 
  • Programs Across the State of Minnesota
  • Programs in Minnesota Cities
  • Military Programs
  • Tribal Programs
  • Employer Programs
  • Minnesota Home Finance Agency  
  • Down Payment Assistance Form

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CAN YOU QUALIFY FOR DOWN PAYMENT ASSISTANCE?   



This is a free tool to help you uncover homebuyer programs for down payment help.  Enter your household  information, and learn about the programs and help that may be available to you. Request the full report to get the details.  Below is more information regarding assistance programs and grants.

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HABITAT FOR HUMANITY 


 Habitat for Humanity provides mortgages to low-and-moderate income households across the seven-county metro. Their mortgages can be used on a Habitat-built home or a home you find on the open market. There are income restrictions, but they offer very low interest rates - 3%.  

A single mother with several children would do well in a program like this.

When I have found Habitat for Humanity homes for sale, my buyers have found the income restrictions almost too low to be able to afford the house.  When I called up a Habitat lender, he said that the income for everyone in the household is included -- whether you are related or not. So if your income is low enough, but you bring a boyfriend or roommates -- that could disqualify  you.

From an agent perspective, the homes that Habitat for Humanity sells tend to be priced well above the market, so you may fare better if you find a home on the open market and use their loan.

 Click here for more info about their programs.

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Offers homes for sale and mortgages for low income buyers. Many homes are built new, but some of the prices seem kind of high comparatively.
 http://www.gmhchousing.org/homes


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HUD offers certain single family properties in specific revitalization zones for sale to police officers, teachers, fire fighters, and emergency medical technicians at 50 percent off of the list price.  These are foreclosures.

  • Minimum FICO: 620
  • Deferred 3-year forgivable loan
  • Zero interest rate
  • After 3 years can sell home and keep any equity and/or appreciation.

When I checked the HUD website there were foreclosures available, but no GNND homes available in Minnesota, so they may come up infrequently.
https://www.hudhomestore.com/Home/Index.aspx


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HOME PARTNERS:  RENT TO OWN 


 This is a program that buys the home, then leases it to you, and you have the right to buy it later if you want to. You full out an application, work with an agent to find a house to buy. Then Home Partners buys the home and you lease from them. You have to sign a one year lease for the home as well as a Right to Purchase Agreement.

This is a cash offer, no mortgage contingency, no appraisal contingency, can close in 3-4 weeks. I'm not sure what the interest rate would be. This program is for buyers who aren't quite mortgage ready. Buyers can qualify:
  • Gross combined household income of $50,000+
  • 1099 can be accepted for self employment, with tax returns, copies of bank statements
  • Offer letter if relocating can be accepted
  • Stable income, but do not require 2 years income.
  • Acceptable criminal history - no recent history of major drugs, sexual, or violent crimes
  • No outstanding apartment collections or evictions in the past 3 years
  • No pending or open bankruptcies
  • $75 application fee, for the entire household, hear back in a few days.
Home qualifications:
  • $100k-$400k in general
  • Single family homes or townhomes, no rentals
  • 2+Br or larger home
  • Located on a lot less than 2 acres

 Disadvantages

 One disadvantage, the purchase price, should the buyer want to purchase it a few years later -- might be lower than the agreed upon purchase price if the market drops. The buyer can walk away, but then there's no house purchase.

 When you look at online reviews, there seem to be alot of complaints coming from people that had bought houses with problems, which Home Partners didn't repair.  People also complain that the management company and Home Partners don't return calls or emails. One commenter mentioned that the lease payments were a bit higher than market rate.

Rip Off Report has complaints, and the BBB does too.
So if you use this program, plan to take responsibility for whatever condition the home is in, have a full bevy of inspections (house inspection, main drain inspection, radon inspection, furnace inspection, chimney and furnace flue inspections etc), plan on buying it as soon as possible, and have a few thousand dollars set aside for a lawyer if you need one.

Visit www.homepartners.com or contact Jamie Friedman at jfriedman@homepartners.com 312-909-0948.
Video here about Home Partners and working with an agent.


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PROGRAMS ACROSS THE STATE OF MN

 Family Assets for Independence in Minnesota (FAIM) (GRANT)
http://www.minnesotafaim.org/wp-content/uploads/2019/07/FAIM-Brochure-Updated-7-16-19.pdf
https://www.workforce-resource.com/dpr/program/MSP/fe7f029001390132283b06b6145a7f4f?details=all
  • This program offers a grant of up to $3,840.
  • You save $40 a month, up to about $1200, then they match it 3:1, which yields up to 
  • $4800. 
  • There are income limits, and the house price is only up to $150,000.
Associated Bank - Program for Assisting Today's Homebuyer (PATH) - GRANT 

Sandy Wanner, Lender
651-306-1662
1270 Yankee Doodle Road
Eagan, MN 55121

7 Counties: Anoka, Chisago, Dakota, Hennepin, Ramsey, Scott, Washington

PATH Program:  
  • Total Closing Costs/Down Payment GRANT based on income, up to $4,000,which is forgiven immediately. 
  • Does not work with FHA loans, but they may be able to qualify you for their CARE Program, which offers a conventional loan. 
  • Only for the Metro area counties and two counties in Wisconsin.
CARE Program: 
  • Conventional loan with no private mortgage insurance (PMI). 
  • Requires 3% downpayment, which the $4,000 grant can be used toward. 
  • The interest rate may be slightly higher, but then you are not paying PMI. 
  • To qualify for the CARE program, you have to have a minimum 640 credit score, and no bankruptcies or foreclosures for 4 years.

 They also offer a program called Fannie Mae Home Ready. This program requires 3% down payment has a higher income limit

 Associated Bank is based out of Wisconsin, and their underwriters are in Green Bay.



Land Home Financial - GRANT

Chris Carr - Lender, Territory Manager
Office: 612.213.3867
Cell: 952.381.1917


This company has access to over 70 programs, starting at at 580 credit score, including:
  • Purchase Power Program Conventional Loan:  This program gifts you 2% towards your down payment, you pay 1% down -- getting you to 3% down payment. Conventional loan, not limited to first time homebuyers, with reduced or lender paid PMI.  
  • Heroes Program for Military & Civil Service Programs:  Up to 6% down payment assistance - Military, teachers, people who work in hospitals, and other civil employees
  • Investment loans:  No income verification, up to 80% loan to value
  • Second Chance Program: Loans one-day out of foreclosure or bankruptcy, no PMI, up to 50% debt to income ratio
  • Loans to self-employed
  • Sweat equity Credit:  If you are a licensed contractor or a licensed contractor reviews your work, the buyer can apply this credit to some of their closing costs
  • Conventional renovation loans
  • Alternative credit loans: If a buyer has three trade lines of credit, he or she may be able to qualify for one of these loans.


Gold Star Financial
Chas Irrthum - Loan Officer
Office:  651.447.5225
Cell:  651.329.4525

Goldstar Mortgage offers conventional loans without you needing to bring a 20% down payment They offer 101% financing, which is two loans: 97% plus a 4%, both at the same interest rate, no mortgage insurance.

They had someone actually get money back at closing because the seller paid some closing costs.

The general credit score needed is 660, but they are a direct lender, so they can work with lower credit scores, and have no credit loans.

Chas was a FICO credit coach, so he can tell you what you need to do to improve your credit score in as little as two months.

Their underwriters are in another state, so not technically in-house, but he said they are very accessible.

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PROGRAMS BY CITY
Minneapolis:  Home Ownership Works (HOW)
  • Loan of $1,000 to a maximum of $14,999,
  • No interest, no monthly payments.
  • Paid back when you sell
Minneapolis:  HOM Program
Homeownership Opportunity Minneapolis (HOM) Guidelines (PDF)
https://nwhomepartners.org/homeownership-opportunity-minneapolis-hom-down-payment-assistance/
  • Loan up to $10,000 to buy a home in Minneapolis.
  • No interest, no monthly payments.
  • Paid back when you sell
Minneapolis:  Neighbor Works LIFT Program
http://arcnwhp.gocopilot.org/lending/down-payment-assistance/
  • They currently have funds for up  to $7500 in matching funds in the NeighborhoodLIFT program for homes.
  • Within city limits of Saint Paul and Minneapolis.  
Minneapolis:  REHAB Homebuyer Assistance Program
Minneapolis Homes REHAB Homebuyer Assistance Guidelines (PDF)
  • Homebuyer assistance to purchase a 1-4 unit vacant structure to rehabilitate or one that has been recently rehabilitated through the Minneapolis Homes Rehab program.
  • Up to $10,000.
  • No interest, no monthly payments.
  • Paid back when you sell
Minneapolis:  Affordability Gap Homebuyer Assistance - For Newly Constructed Homes
Minneapolis Homes Affordability Gap Homebuyer Assistance Guidelines (PDF)
  • Homebuyer assistance to purchase a home constructed through Minneapolis Homes Development 
  • Borrowers with household incomes at or below 80% of area median income the available assistance will be $1,000 - $37,500. 
  • Borrowers with household incomes at or below 80% of area median income AND purchasing a Long Term Affordability product property, the available assistance will be $1,000 - $95,000
  • No interest, no monthly payments.
  • Paid back when you sell
Here are homes currently under construction and which will be available for purchase through the City of Minneapolis:
https://tableau.minneapolismn.gov/views/Move-inReadyMinneapolisHomes/Move-inReadyMinneapolisHomes?iframeSizedToWindow=true&%3Aembed=y&%3AshowAppBanner=false&%3Adisplay_count=no&%3AshowVizHome=no

 (If the above link no longer works, go to this page http://www.minneapolismn.gov/cped/housing/MinneapolisHomes and click on the link "Purchase a move-in ready home that has been developed through City programs.")

 Minneapolis - Jordan Neighborhood (like a GRANT)
  • Up to $4,000
  • Zero-percent interest 
  • Due on sale prior to 10 years, forgiven if income is less than 60% of HUD median
  • Funds may be used for down payment or closing costs 
Minneapolis Neighborhoods

Minneapolis - Hawthorne Neighborhood (like a GRANT)
  • Up to $5,000 
  • Zero-percent interest forgivable loan
  • No income limits
  • 10 year term, after which the loan is forgiven if the property has not been sold, transferred and is still owner-occupied
  • Funds may be used for down payment or closing costs
Minneapolis - Lind Bohannon Neighborhood (like a GRANT)
  • Up to $4,000
  • Zero-percent interest forgivable loan
    •
  • 100% of the loan is forgiven if the borrower owns and occupies the property 10 years from loan closing.
  • Funds may be used for down payment or closing costs.
Minneapolis - North:  BUILD Homebuyer Incentive 
Minneapolis Homes BUILD Homebuyer Incentive Guidelines (PDF)
  • Homebuyer assistance to purchase a vacant lot and construct a new 1-4 unit home through the Minneapolis Homes Build program.
  • Up to $20,000
  • No interest, no monthly payments.
  • Paid back when you sell
  • Limited to North Minneapolis vacant lots
  • An additional $5,000 is available to active, uniformed, sworn City of Minneapolis police officers, firefighters, EMTs, and full-time Minneapolis Public School pre-K – 12 teachers.
Minneapolis - North & Camden:  Grow North 
  • The program offers a deferred loan to employees of employers physically residing and operating in North Minneapolis.
  • Up to $10,000
  • No interest
  • Paid back when you sell



OTHER CITIES
Austin - Mower County  
  • Up to $4,000
  • Repaid over 5 years

Brainerd - Crow Wing County
  • Through the Homeownership Program, eligible Housing Choice Voucher (Section 8) participants use their housing subsidy toward a mortgage payment instead of rent.

 Beltrami County - Bemidji
http://www.hrdc.org/beltrami-loan-program
  • Up to $7,500
  • Interest deferred for 5 years, then paid back over 10 years
  • May be limited to specific townships

Coon Rapids

  • Up to $5,000
  • Properties held in a trust are eligible
  • The loan is deferred until the property is sold, transferred or is no longer owner-occupied
  • 0% APR


Dakota County
https://www.dakotacda.org/housing-resources/homeownership/first-time-homebuyer-program/
  • Applicants may also be able to take advantage of Dakota County's Mortgage Credit Certificate.
  • Up to $8,500
  • No interest, no payments
  • Paid back when you sell

Duluth & NE Minnesota - Arrowhead Program
  • Counties: Cook, Lake, St. Louis, Koochiching & Itasca 
  • 0% interest deferred loan, no monthly payments.
  • Up to $5,000 for down payment and closing costs.

East Grand Forks
For newly constructed homes:
http://www.egf.mn/DocumentCenter/View/3820
  • Up to $5,000 for down payment and closing costs to any household that buys or
  • builds a newly constructed single family home, townhouse or condo in East Grand Forks
  • Like a GRANT - Forgivable after 10 years.
  • No monthly payments and zero percent interest.
  • No income requirements.
  • No First -time buyer requirement.
For existing homes:
  • $7,500 
  • No payments or interest for the first year

 Eden Prairie
http://www.edenprairie.org/city-government/departments/community-development/housing-and-community-services/first-time-homebuyer-program


  • Funds may be used for down payment, closing costs and principle reduction.
  • Zero interest rate and deferred payments




  • Do not have to be a first-time home buyer
  • Funds may be used to cover down payment, closing costs, prepaid loan expenses, points and/or buy-down costs
  • Deferred payment option

 Hubbard County - Park Rapids
http://www.hrdc.org/hubbard-loan-program
  • Up to $7,500
  • Interest deferred for 5 years, then paid back over 10 years

 Itasca and Koochiching Counties
http://www.kootasca.org
  • Downpayment and closing cost assistance
  • No payments, no interest
  • Forgiven after 10 years, or repaid when if you sell before 10 years

Perham
http://www.progressiveperham.com/live-here/housing/housing-incentives/

  • $3,000 for down payment help.
  • No first-time homebuyer requirement.

Additional Down Payment Programs in Perham:
  • Employer Arvig:  Provides a loan of up to $1,000 per homebuyer (need not be employed at Arvig), for a total loan package of $3,000 (HRA plus Arvig).
  • Employer KLN (Barrel O' Fun, Tuffy's, or Kenny's, or Nutheads):  Provides a loan of up to $1,000 per home buyer, for a total loan package of $7,000
  • Greater Minnesota Housing Fund (GMHF) provides a grant of up to $2,500 per homebuyer. GMHF guidelines will need to be met. In addition to one of the loans packages listed above, the total incentive can be either $5,500 or $9,500.
  • KLN has also established an in-house program of up to a $10,000 grant for qualified employees (see KLN Human Resources for more information).


 Plymouth
  • Up to $5,000
  • Zero-percent interest rate, deferred payment with no monthly payment.

 Ramsey County
https://www.ramseycounty.us/residents/property-home/home-buyer-home-owner-programs/home-buyer-assistance
https://www.workforce-resource.com/dpr/program/MSP/ac7e2af01b37013028ad00221910fe55?details=all
  • Assistance for all of Ramsey County except the city of St. Paul. 
  • Up to $10,000 in downpayment assistance.
  • Eligible buyers may qualify for up to $10,000 with zero percent interest to help bring their monthly housing costs down to 30 percent of income. The loans can be used for downpayment assistance, closing costs and, occasionally, health, safety or code improvements.

Red Wing
http://redwinghra.org/communtity-redevelopment/
  • Up to $9,000 for down payment and closing costs.
  • No payments, no interest
  • Paid back when you sell

Rochester

 Scott County Homebuyers Club GRANT 
  • Maximum $4,000 GRANT
  • Must be a first-time homebuyer.


Shoreview


  • Up to $15,000
  • Down payment and closing cost assistance loans to encourage first-time homebuyers to purchase a home in Shoreview.
  • The interest rate is below market rate and will be a fixed with simple annual interest, with monthly installment payments of interest only.
  • Also available as combination loan which includes down payment and closing cost assistance loans and rehabilitation loan funds to encourage first-time homebuyers to purchase a home in Shoreview and make needed improvements.

 St. Cloud Homestead Incentive Program
http://stcloudhra.com/Purchase_&_Neighborhood_Improvements.html

  • Do not have to be a first-time homebuyer.
  • $3,000 deferred loan for down payment assistance.
  • No interest, no payments
  • Pay back when you sell
  • Property purchased must be in a targeted Core Neighborhood 

St. Louis Park (like a GRANT)
  • Up to $15,000
  • 0% APR.
  • After 20 years the loan is 100% forgiven. If the home is sold, transferred or no longer owner occupied 100% of the loan is due.
  • Employees of St. Louis Park businesses would be eligible for additional funds to encourage them to live where they work.

St. Paul: Neighborworks Community Keys & Lift Programs
  • Up to $15,000 in assistance to purchase homes in the Frogtown, Rondo, and North End neighborhoods of Saint Paul or
  • Up to $7500 in matching funds in the NeighborhoodLIFT program for homes within city limits of Saint Paul and Minneapolis.

 Woodbury
https://nwhomepartners.org/city-woodbury-homeownership-programs/woodbury-first-time-home-ownership-program/

  • Up to $25,000 in assistance
  • Interest-only payments
  • Principal due on sale, end of owner occupancy, or after 30 years
  • Borrowers aged 65 or older or who are Veterans may qualify for a lower rate.
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MILITARY PROGRAMS


PenFed Foundation Dream Makers - GRANT
https://penfedfoundation.org/apply-for-assistance/dream-makers/

  • Must be currently serving Military or Veteran.
  • Up to $5k for down payment and closing costs via a 2-1 match.
  • When you select your mortgage company, you will share the contact information with the Foundation who will coordinate the grant paperwork process with your lender.
  • Down payment grant - does not have to be repaid!
VA Specially Adapted Housing (SAH) Grant
  • Up to $73,768 GRANT
  • To help Veterans with certain service-connected disabilities live independently in a barrier-free environment.
  • Funds can be used to: Construct a specially adapted home on land to be acquired, build a home on land already owned if it is suitable for specially adapted housing, remodel an existing home if it can be made suitable for specially adapted housing, or can be applied against the unpaid principal mortgage balance of an adapted home already acquired without the assistance of a VA grant.
HomeStrong’s Heroes Program
https://homestrongusa.org/#about


 As of July 2019, the only program currently listed on their website is a $5,000 repair grant.  So they may be out of funds.
  • Participants must be active or inactive Military Service Member.
  • Minimum FICO: 620
  • HomeStrong USA acquires vacant properties, rehabilitates them, and then sells the properties to Veterans (active and inactive).
  • HomeStrong USA provides the homes for purchase by Veterans with incentives that may include providing down payment assistance and/or paying applicable closing costs.


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TRIBAL PROGRAMS

Chickasaw Nation Housing Division Down Payment and/or Closing Cost Assistance - GRANT 
  • Up to $3k for down payment and closing cost assistance.
  • Grant - does not have to be repaid.

Citizen Potawatomi Nation Housing Authority Down Payment & Closing Cost Assistance Grant
Program limited to Citizen Potawatomi Nation tribal members.
  • Up to $2,125 for down payment and closing costs.
  • GRANT - does not have to be repaid.
  • Eligible property types: single family homes.
  • One borrower needs to be a member of the Citizen Potawatomi Nation.
  • Other Native American applicants must live within the tribal jurisdiction, be age 60 or older, and within the 80% National Median Income Limit.

Confederated Tribes of Siletz Indians Down Payment Assistance Program
Program limited to qualified members of the Confederated Tribe of Siletz Indians.
  • Like a GRANT  - Up to $15k for down payment and closing costs.
    •
  • 0% Interest, Deferred loan which is forgivable after 5 years of owner occupancy


 Eastern Shawnee Tribe of Oklahoma Down Payment Assistance Program
Program limited to eligible members of the Eastern Shawnee Tribe of Oklahoma. Down payment and closing cost assistance.
  • Eligible property types: single family homes.
  • One borrower needs to be an eligible member of the Eastern Shawnee Tribe of Oklahoma.
  • Program available nationwide to eligible tribal members.


 Fort Sill Apache Housing Authority Downpayment Assistance Program  - GRANT
http://www.fortsillapache-nsn.gov/index.php?option=com_content&view=article&id=2&Itemid=19
Program limited to enrolled members of the Fort Sill Apache tribe.
  • Up to $5k for down payment assistance.
  • GRANT - does not have to be repaid.


 Grand Ronde Tribal Housing Authority Down Payment Assistance Program  - GRANT
Program limited to eligible members of the Grande Ronde Tribe.
  • Up to $10k for down payment and closing costs.
  • Grant - does not have to be repaid.
  • Do not have to be a first-time homebuyer.


Little River Band of Ottawa Indians - Homeownership Initiative 100 DPA Program
  • The Down Payment Assistance Program will serve Little River Band Tribal Members who live Nationwide.
  • The maximum amount for down payment and closing cost assistance is 3.33% of the total mortgage of the home, or $5,000, whichever is less.
  • Like a Grant - Forgivable after 10 years.
Prairie Band Potawatomi Nation Down Payment Program - GRANT
Program limited to enrolled members of the Prairie Band Potawatomi Nation.
  • Up to $10k for down payment and closing costs.
  • Grant - does not have to be repaid.
Muckleshoot Indian Tribe Home Buyer Down Payment Assistance
http://muckleshoot.nsn.us/services/community-development/housing-division.aspx
Program limited to enrolled members of the Muckleshoot Tribe.
  • Up to $45k for down payment and closing costs.
  • 5-year deferred payments
  • Forgivable  
  • Program available nationwide.


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EMPLOYER PROGRAMS

Duke Realty,  Industrial real estate brokerage

Up to $3k for down payment assistance, closing costs or interest rate buydown.
  • Must have six months of continuous service with Duke Realty Corporation or its subsidiaries working over 30 hours per week with an annual salary of $58,500 or less.
  • Must be a first-time home buyer.
Essentia Health
http://www.1roofhousing.org/buy-a-home/downpayment-assistance/
  • Duluth area
  • Up to $5,000 forgivable loan depending on neighborhood

Freddie Mac Employees
  • Up to $12k for down payment assistance, closing costs and other eligible fees.
  • Program further provides a half-day leave for an eligible employee to attend the closing of the purchase of a primary residence.

McKinsey & Company
  • Up to $100k for down payment assistance and closing cost assistance.

The Scripps Institute
http://hr.scripps.edu/benefits/index.html
  • 5-year, 
  • Deferred, forgivable loan.

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 MINNESOTA HOUSING FINANCE AGENCY


MHFA is a private non-profit corporation that helps low-income people with loans for purchase, downpayment, or repairs. Some lenders work with MHFA, some don't. The main benefit to these type of purchase loans is that you can get a conventional loan, with low down payment. This will make you more competitive against other offers, and will allow you to buy fixer-uppers.

The benefits to this program:
  • You can have a low down payment (3%) and still get a conventional loan.  (It is easier to buy a property with a conventional loan than a FHA loan, which says everything in the house has to be working or fixed on closing.)
  • You can also get down payment and closing cost loans up to $15,000.
  • Low or no mortgage insurance options for lower monthly payments.
These loans are for first-time homebuyers (past 3 years) who: 
  • Meet income limits (which are relatively high compared to other programs)  
  • Meet purchase price limits (Metro area:  $328k; Outstate: ($271k), a
  • Meet minimum credit score requirements. 
Visit my Lenders page for lenders that offer MHFA loans.


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CAN YOU QUALIFY FOR DOWN PAYMENT ASSISTANCE?   


 Find out the number of down payment assistance programs you may qualify for by using the form below or by clicking here.
Some of the programs include things like low interest or forgivable loans that can help you buy a home sooner.  

The application will ask you to enter your email address, then it will send me the results. I will just forward them to you, no obligation.




Property Lookup for Down Payment Assistance

Find out which homebuyer programs a property might be eligible for. Click Here and simply enter the address and ZIP code, as well as the proposed list price and click View Programs.
Here are a few programs by state and city, but there are many more.

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