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Understanding Down Payment Assistance
Down payment assistance programs are one of the most underutilized tools in homebuying. Over 2,000 programs exist nationwide, offered by state housing authorities, local governments, nonprofits, and employers. These programs provide grants, forgivable loans, deferred-payment second mortgages, and other forms of assistance. Many buyers who assume they make too much money are surprised to find they qualify.
2,000+ programs, many with generous income limits
How NMHL Helps
Proven solutions for down payment assistance
Personalized Consultation
Speak with a licensed expert who understands your unique situation and guides you to the right program.
Flexible Loan Programs
Access programs designed for borrowers in your exact situation — FHA, VA, conventional, and more.
Guided Process
We walk you through every step from pre-approval to closing. No surprises, no confusion.
Your Path to Homeownership
Free Consultation
Tell us about your situation and goals.
Explore Options
We match you with the best loan programs.
Pre-Approval
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Close with Confidence
We guide you through closing smoothly.
Success Stories
“NMHL made our first home purchase incredibly smooth. The team guided us through every step and found us a rate we couldn't believe.”
“After being denied by two other lenders, NMHL found a solution for my self-employed income. Bank statement loan closed in 25 days.”
“The VA loan process was seamless. Zero down payment and the best rate I found anywhere. Thank you NMHL!”
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Frequently Asked Questions
Most DPA programs work with FHA, conventional, VA, and USDA loans. FHA is the most DPA-friendly, allowing 100% of the down payment to come from assistance. Some DPA programs are paired with specific first mortgage products. NMHL can match you with the optimal combination of DPA and mortgage program.
DPA programs are typically incorporated into your mortgage closing, so there is no separate waiting period. You apply for DPA alongside your mortgage application, and the funds are disbursed at closing. The key is identifying eligible programs early in the process so your loan officer can structure the financing accordingly.
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