Purchase a new home with as little as no money down

Get qualified for a loan: DONE!

Make sure you can make the estimated monthly payments: DONE!

Round up enough money to pay for all closing costs and your down payment: NOT DONE!

No worries. Many new homebuyers struggle with coming up with the cash to cover all of the fees incurred before or at the closing table. While buyers looking to purchase their second or third home typically have funds from the sale of their previous home to use for closing costs and down payment, first time homebuyers don't necessarily have a pool of liquid assets to pull from to cover these expenses - and they add up fast!

Down payment assistance programs are great resources for buyers in need of extra cash to close. The best part is they're state- funded grants, so you never have to pay them back! To qualify for one of the various down payment programs available in the Dallas/Fort Worth area, you must meet loan qualifications, have a 620 or higher credit score, and not have an adjusted gross income of more than $100,000.

These programs are not solely for first time homebuyers and can be used by anyone who qualifies. The programs can be used on new construction or pre-owned homes. Make sure you have a Realtor in your corner who is well-versed in navigating down payment assistance programs.

Remember, it's always FREE for buyers to be represented by a licensed real estate agent. There is zero cost to you, so make sure you have an experienced agent in your corner who is able to walk you through the home buying process from start to finish!

Examples of Available Down Payment Assistance Programs


Hometown Heroes 

This program is for first responders, military members, educators, those employed by non-profits, medical personnel, and government employees



This grant program can be used regardless of your occupation as long as your income qualifies you as a low to moderate income household.



This program is available for those who meet income and credit qualifications and take a homebuyer education course prior to closing.

Contact Us for more information on down payment assistance programs or click on the button below to complete the loan application and see if you qualify for one of the state-funded down payment assistance grants listed above.

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