If saving for upfront costs feels overwhelming, Down Payment Assistance (DPA) programs can help by covering part — or even all — of your down payment and closing costs. These programs vary by state and local guidelines, but they can make homeownership possible much sooner than you think. Depending on eligibility, assistance may be available as either up to 5% of your loan amount or a flat $10,000 credit. Our team will walk you through your options and help match you with the program that fits your needs.