{"id":5943,"date":"2024-08-23T07:34:19","date_gmt":"2024-08-23T11:34:19","guid":{"rendered":"https:\/\/www.deeds.com\/articles\/?p=5943"},"modified":"2024-08-23T07:34:23","modified_gmt":"2024-08-23T11:34:23","slug":"looking-for-a-path-to-homeownership-look-again-at-down-payment-assistance","status":"publish","type":"post","link":"https:\/\/www.deeds.com\/articles\/looking-for-a-path-to-homeownership-look-again-at-down-payment-assistance\/","title":{"rendered":"Looking for a Path to Homeownership? Look Again at Down Payment Assistance."},"content":{"rendered":"\n<figure class=\"wp-block-image aligncenter size-full is-style-rounded is-style-rounded--1\"><img loading=\"lazy\" decoding=\"async\" width=\"1430\" height=\"656\" src=\"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2024\/08\/looking-for-a-path-to-homeownership.webp\" alt=\"\" class=\"wp-image-5944\" srcset=\"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2024\/08\/looking-for-a-path-to-homeownership.webp 1430w, https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2024\/08\/looking-for-a-path-to-homeownership-300x138.webp 300w, https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2024\/08\/looking-for-a-path-to-homeownership-1024x470.webp 1024w, https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2024\/08\/looking-for-a-path-to-homeownership-768x352.webp 768w\" sizes=\"auto, (max-width: 1430px) 100vw, 1430px\" \/><\/figure>\n\n\n\n<p>The typical person can\u2019t afford the typical home. As property values keep rising, down payments aren\u2019t getting any easier to make. If you know the feeling, have you looked up down payment assistance? It can be a grant, with no repayment requirement. Or it could be a loan \u2014 possibly a forgivable loan.<\/p>\n\n\n\n<p>Even if you\u2019re <em>not<\/em> in the <a href=\"https:\/\/www.deeds.com\/articles\/first-time-home-buyer-pro-tips\/\">first-time buyer<\/a> category, you could still qualify for a number of offerings out there.<\/p>\n\n\n\n<p>Let\u2019s look at some possibilities, and how they work for a buyer.<\/p>\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\">What\u2019s Happening in Your State?<\/h2>\n\n\n\n<p>Run a search for <em>down payment assistance<\/em> and the name of your state. Visit the agencies and organizations you find online. They usually keep directories of lenders they work with.<\/p>\n\n\n\n<p>You\u2019ll note that some offerings are meant for first-time homebuyers. But remember, the real estate industry calls you a first-time home buyer as long as you haven\u2019t held your own deed to the place where you live for at least three years.<\/p>\n\n\n\n<p>Plus, some offerings are open to all applicants. As <a href=\"https:\/\/downpaymentresource.com\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Down Payment Resource<\/a> says about down payment assistance in general:<\/p>\n\n\n\n<p><em>You don\u2019t have to be a first-time buyer. Over 39% of all programs are for repeat homebuyers who have owned a home in the last 3 years.<\/em><\/p>\n\n\n\n<p>For example, <a href=\"https:\/\/ohiohome.org\/partners\/documents\/NextHome.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Ohio\u2019s\u00a0<em>Next Home<\/em><\/a> (which chips in 2.5% of the home\u2019s price as down payment assistance) is open not only to first-timers, but to any buyer who meets the criteria.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Where to Look, Beyond the State\u2019s Programs<\/h2>\n\n\n\n<figure class=\"wp-block-image alignright size-full is-style-rounded is-style-rounded--2\"><img loading=\"lazy\" decoding=\"async\" width=\"533\" height=\"616\" src=\"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2024\/08\/where-to-look-beyond-the-states-programs.webp\" alt=\"\" class=\"wp-image-5945\" srcset=\"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2024\/08\/where-to-look-beyond-the-states-programs.webp 533w, https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2024\/08\/where-to-look-beyond-the-states-programs-260x300.webp 260w\" sizes=\"auto, (max-width: 533px) 100vw, 533px\" \/><\/figure>\n\n\n\n<p>Your state\u2019s housing agency is a great place to start. Go to the U.S. <a href=\"https:\/\/www.hud.gov\/states\" target=\"_blank\" rel=\"noreferrer noopener\">Department of Housing and Urban Development (HUD)<\/a> website. Look up your state to find resources available to you.<\/p>\n\n\n\n<p>But there\u2019s more. Also look for local offerings, starting with:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Cities and counties.<\/strong> Check the website of your own county or city, and you could be surprised. Some offer robust assistance to eligible applicants.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>The Consumer Financial Protection Bureau (CFPB).<\/strong> <a href=\"https:\/\/www.consumerfinance.gov\/find-a-housing-counselor\/\" target=\"_blank\" rel=\"noreferrer noopener\">Check by zip code<\/a> to find local guidance.<\/li>\n<\/ul>\n\n\n\n<p>Ask your mortgage consultant to guide you as you put together your proof of eligibility. Your mortgage company might even provide applications that it can submit for you.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Some Loans and Grants Are Too Good to Miss<\/h2>\n\n\n\n<p>Most states and quite a few local governments offer loans to help home buyers. Here are the key types of loans connected with down payments and closing costs on a home:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Zero-interest loans (forgivable).<\/strong> These funds are forgivable if the borrower continues to live in the home for a specific period of time (such as five years).<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Zero-interest loans (deferred).<\/strong> These loans need not be repaid unless and until you sell, or you pay off or refinance your loan.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Low-interest loans.<\/strong> The loans help with the down payment or closing costs, and can be paid over an extended timeline, such as 10 years.<\/li>\n<\/ul>\n\n\n\n<p>A housing finance agency will know who the participating lenders are. Buyers apply through their local or state agencies, or through their mortgage lenders. Applying for these loans feels a lot like applying for a regular mortgage. As you\u2019re applying for a mortgage anyway, you\u2019ll have all your paperwork ready.<\/p>\n\n\n\n<p>And don\u2019t overlook grants. Down payment grant money is yours, once you\u2019re approved. No need to repay the source.<\/p>\n\n\n\n<p>Grants tend to target recent college grads, public servants, and new buyers with modest earnings (compared with other earners in the same area). And your state or local government might offer them. Check out the assistance available in <a href=\"https:\/\/toledo.oh.gov\/residents\/landlord-tenant-resources\/down-payment-assistance\" target=\"_blank\" rel=\"noreferrer noopener\">Toledo, Ohio<\/a>, which comes in the form of a grant. And here\u2019s a video describing <a href=\"https:\/\/www.youtube.com\/watch?v=Osovx07pMRA\" target=\"_blank\" rel=\"noreferrer noopener\">Chicago\u2019s down payment grant<\/a>.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What Do Buyers Do in Return for the Financial Boost?<\/h2>\n\n\n\n<p>If you do apply for assistance, you could be expected to: &nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Complete a buyer education session.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Buy a home that\u2019s priced under a certain cap. \u00a0\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Live in the home for five years or longer.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Put some of your own money down.<\/li>\n<\/ul>\n\n\n\n<p>Generally, applicants earn modest incomes. They are willing to buy in specific areas. If they apply for a loan, they can demonstrate a certain minimum credit score, and show a <a href=\"https:\/\/www.deeds.com\/articles\/all-about-dti-how-much-debt-is-too-much-if-i-want-to-buy-a-home\/\">debt-to-income (DTI) ratio<\/a> under specified limits.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"has-accent-5-background-color has-background\" style=\"padding-top:var(--wp--preset--spacing--10);padding-right:var(--wp--preset--spacing--10);padding-bottom:var(--wp--preset--spacing--10);padding-left:var(--wp--preset--spacing--10)\"><em><strong>The stronger an applicant\u2019s credit profile, the easier it is to qualify for down payment assistance and low-interest home loans. Here\u2019s how to <\/strong><\/em><a href=\"https:\/\/www.deeds.com\/articles\/strengthen-your-position-to-finance-your-home-heres-your-five-point-credit-repair-plan\/\"><strong><em>build credit strength<\/em><\/strong><\/a><em><strong>. \u00a0<\/strong><\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Tell Your Lender Freddie Sent You<\/h2>\n\n\n\n<p>Freddie Mac recently introduced DPA One\u00ae. When you shop for lenders, you can ask if they\u2019re aware of this new platform that debuted in September 2023. It\u2019s designed to let lenders easily match people to down payment assistance (DPA, in industry lingo).<\/p>\n\n\n\n<p>DPA One can help a wide range of loan applicants \u2014 not just first-timers. Thousands of lenders are already using it. Will yours?<\/p>\n\n\n\n<p>There\u2019s no charge for the lenders to use this tool. Yet it\u2019s robust and it draws on opportunities from many sources. Freddie Mac is continually adding new information and <a href=\"https:\/\/dpaone.freddiemac.com\/provider-network\" target=\"_blank\" rel=\"noreferrer noopener\">new partners<\/a> \u2014 from federal agencies, all the way down to your local assistance providers.<\/p>\n\n\n\n<p>Here\u2019s <a href=\"https:\/\/dpaone.freddiemac.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">how it works<\/a>, from Freddie.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Popular Alternatives to Down Payment Assistance &nbsp;<\/h2>\n\n\n\n<p>Government-backed loans with low down payment minimums offer first-time buyers a dependable choice. Consider a loan backed by the Federal Housing Authority. FHA loans allow for as little as 3.5% down.<\/p>\n\n\n\n<p>Veterans Affairs (VA) loans and Department of Agriculture (USDA) loans can be issued for zero or near-zero down to qualified applicants. Ask your mortgage consultant whether any of these options work well for you.<\/p>\n\n\n\n<p class=\"has-accent-5-background-color has-background\" style=\"padding-top:var(--wp--preset--spacing--10);padding-right:var(--wp--preset--spacing--10);padding-bottom:var(--wp--preset--spacing--10);padding-left:var(--wp--preset--spacing--10)\"><em><strong>Putting less than 20% down? Most buyers do \u2014 so they pay private mortgage insurance (PMI) to lower the lender\u2019s risk. And with the FHA loan, you can\u2019t get the PMI lifted once your equity reaches 20% (unless you plan to refinance). <\/strong><\/em><a href=\"https:\/\/www.deeds.com\/articles\/thinking-about-an-fha-mortgage-in-2023-heres-what-you-need-to-know\/\"><strong><em>Easing PMI<\/em><\/strong><\/a><em><strong> requirements is a White House priority. <\/strong><\/em><\/p>\n\n\n\n<p>Remember, too: some <a href=\"https:\/\/www.deeds.com\/articles\/just-3-down-heres-how-its-done\/\">conventional loans<\/a> let you pay just 3% down.<\/p>\n\n\n\n<p>And don\u2019t overlook tax breaks. Check with your state\u2019s housing finance agency for <em>mortgage tax credit certificates<\/em> for primary residences. These are not the same as mortgage interest deductions; they\u2019re in addition.<\/p>\n\n\n\n<p>So, how do you access them? When shopping for a mortgage lender, ask if the company works with mortgage credit certificates. If so, will the lender help you apply with your local or state housing financing agency? You might need to chip in an application fee.<\/p>\n\n\n\n<p><strong><em>Important note:<\/em><\/strong> Some forms of assistance can be taxable, or may impact other benefits. This article is neither financial nor legal advice. A personal consultation with a professional is essential when you need situation-specific guidance. <em>Deeds.com <\/em>is not affiliated with any companies mentioned in this article.<\/p>\n\n\n\n<div class=\"wp-block-group has-accent-5-background-color has-background has-small-font-size is-layout-flow wp-block-group-is-layout-flow\" style=\"padding-top:var(--wp--preset--spacing--10);padding-right:var(--wp--preset--spacing--10);padding-bottom:var(--wp--preset--spacing--10);padding-left:var(--wp--preset--spacing--10)\">\n<p><strong>Supporting References<\/strong><\/p>\n\n\n\n<p>LaToya Irby for the <em>Ask Experian<\/em> blog, from <em>Experian.com<\/em>: <a href=\"https:\/\/www.experian.com\/blogs\/ask-experian\/down-payment-assistance\/\" target=\"_blank\" rel=\"noreferrer noopener\">How to Get Down Payment Assistance<\/a> (Jul. 10, 2024).<\/p>\n\n\n\n<p>Barbara Marquand and Abby Badach Doyle for NerdWallet\u2122 via <em>NerdWallet.com<\/em>: <a href=\"https:\/\/www.nerdwallet.com\/article\/mortgages\/down-payment-assistance-help-buying-a-house\" target=\"_blank\" rel=\"noreferrer noopener\">Down Payment Assistance \u2013 How It Works, Where to Find It<\/a> (updated Jul. 17, 2024).<\/p>\n\n\n\n<p>Zeb Lowe for HousingWire (HW Media, LLC) via <em>HousingWire.com<\/em>: <a href=\"https:\/\/www.housingwire.com\/articles\/breaking-barriers-the-down-payment-assistance-revolution\/\" target=\"_blank\" rel=\"noreferrer noopener\">Breaking Barriers \u2013 The Down Payment Assistance Revolution<\/a> (Jun. 26, 2024; discussing DPA One\u00ae from Freddie Mac).<\/p>\n\n\n\n<p>Genna Contino for <em>CNBC TV<\/em>, part of NBCUniversal, via <em>CNBC.com<\/em>: <a href=\"https:\/\/www.cnbc.com\/2024\/07\/23\/what-to-know-about-homebuyer-down-payment-assistance-programs.html\" target=\"_blank\" rel=\"noreferrer noopener\">How Down Payment Assistance Programs Can Help Clear the Path to Homeownership<\/a> (Jul. 23 2024).<\/p>\n\n\n\n<p>And as linked.<\/p>\n\n\n\n<p><strong>More on topics: <\/strong><a href=\"https:\/\/www.deeds.com\/articles\/first-time-home-buyer-pro-tips\/\">First-time homebuyer tips<\/a><strong>, <\/strong><a href=\"https:\/\/www.deeds.com\/articles\/frustrated-home-buyer-its-not-you-affordability-is-the-worst-its-been-in-a-century\/\">Affordability<\/a><\/p>\n\n\n\n<p>Photo credits: <a href=\"https:\/\/www.pexels.com\/photo\/black-handled-key-on-key-hole-101808\/\" target=\"_blank\" rel=\"noreferrer noopener\">PhotoMIX Company<\/a> and <a href=\"https:\/\/www.pexels.com\/photo\/holding-a-smartphone-in-front-of-an-imac-5082580\/\" target=\"_blank\" rel=\"noreferrer noopener\">Cottonbro Studio<\/a>, via Pexels\/Canva.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>The typical person can\u2019t afford the typical home. As property values keep rising, down payments aren\u2019t getting any easier to make. If you know the feeling, have you looked up down payment assistance? It can be a grant, with no repayment requirement. Or it could be a loan \u2014 possibly a forgivable loan. Even if [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":5944,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[57],"tags":[1039,137,1058,1706,189,466,1705,1034,1707,145,141],"class_list":["post-5943","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mortgage","tag-down-payment-assistance","tag-fha-loans","tag-first-time-homebuyer","tag-forgivable-loans","tag-homeownership","tag-mortgage-assistance","tag-mortgage-tax-credits","tag-pmi","tag-real-estate-grants","tag-usda-loans","tag-va-loans"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Looking for a Path to Homeownership? Look Again at Down Payment Assistance. - Deeds.com<\/title>\n<meta name=\"description\" content=\"Explore down payment assistance options that can help you achieve homeownership. Learn about state and local programs, grants, and forgivable loans that make buying a home more affordable. Find out how to qualify, even if you&#039;re not a first-time buyer.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.deeds.com\/articles\/looking-for-a-path-to-homeownership-look-again-at-down-payment-assistance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Looking for a Path to Homeownership? Look Again at Down Payment Assistance. - Deeds.com\" \/>\n<meta property=\"og:description\" content=\"Explore down payment assistance options that can help you achieve homeownership. 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