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If lack of downpayment or funds for closing costs are the main hurdle to buying a home, a state or local downpayment assistance program may be the answer! Most states, counties, and cities offer assistance in the form of grants or no-interest loans to help home shoppers pay for these costs.
Assistance is usually funded by state housing finance agencies, cities, counties, or nonprofits, although some employers also have programs.
The types of payment assistance vary by program, but they are most often geared toward first-time homebuyers and can be a:
Most down payment assistance programs target first-time home buyers, but many are open to repeat buyers! Most programs define a first-time buyer as one who hasn't owned a home within the past three years. Even if a program requires a first-time buyer, don't write it off because you once owned a home.
Some target specific groups, like educators, law enforcement, emergency responders, or city employees.
Requirements for qualifying vary, but generally, you must:
Here are some places you can check for programs:
Applying for a homebuyer assistance program is usually done with a mortgage application. Your mortgage professional can assist you with the process or let you know where to apply. Talk with your mortgage professional to understand the requirements to make sure everything is completed well before closing on your loan. Keep in mind that you may also have to take a home education course.
Address:3200 E Guasti Rd. Suite# 100
Ontario, CA 91761
Fax: (888) 958-6415
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