/* /assets/css/hc-header.css */ :root{ --hc-navy:#0b2a3d; --hc-navy2:#0b3a66; --hc-ink:#0f172a; --hc-border: rgba(15,23,42,.16); --hc-soft: rgba(11,42,61,.06); --hc-yellow:#ffcc00; } .hc-header{ background: var(--hc-navy); color:#fff; position:relative; } .hc-header a{ color: inherit; text-decoration: none; } .hc-header-top{ display:flex; align-items:flex-start; justify-content:space-between; gap: 14px; padding: 14px 18px 10px 18px; } .hc-brand{ display:flex; gap: 12px; align-items:flex-start; min-width: 260px; } .hc-brand-badge{ width: 42px; height: 42px; border-radius: 14px; background: rgba(255,255,255,.14); display:flex; align-items:center; justify-content:center; font-weight: 1100; } .hc-brand-name{ font-weight: 1100; font-size: 18px; line-height:1.1; } .hc-brand-tagline{ font-size: 12.5px; opacity:.92; line-height:1.2; margin-top:2px; } .hc-top-actions{ display:flex; align-items:center; justify-content:flex-end; gap: 10px; flex-wrap: wrap; } .hc-btn{ border: 1px solid rgba(255,255,255,.18); background: rgba(255,255,255,.10); color:#fff; padding: 9px 12px; border-radius: 14px; font-weight: 950; cursor:pointer; } .hc-btn:hover{ background: rgba(255,255,255,.16); } .hc-btn-small{ padding: 8px 10px; border-radius: 12px; } .hc-btn-primary{ background: var(--hc-navy2); border-color: rgba(255,255,255,.14); } .hc-btn-primary:hover{ background:#0a2f55; } .hc-translate-wrap{ min-width: 170px; } .goog-te-combo{ border-radius: 12px !important; padding: 6px 8px !important; border: 1px solid rgba(255,255,255,.18) !important; background: rgba(255,255,255,.10) !important; color:#fff !important; } /* Move UNDER CONSTRUCTION to the LEFT (does not block translator) */ .hc-uc-left{ display:flex; align-items:center; gap: 10px; margin-top: 10px; padding: 6px 10px; border-radius: 999px; background: var(--hc-yellow); color:#000; border: 2px solid rgba(0,0,0,.35); font-weight: 1100; width: fit-content; } .hc-uc-left .hc-uc-dot{ width:10px;height:10px;border-radius:50%;background:#000; } .hc-uc-left button{ border: 1px solid rgba(0,0,0,.25); background: rgba(255,255,255,.70); color:#000; padding: 6px 10px; border-radius: 999px; font-weight: 1100; cursor:pointer; } .hc-uc-left button:hover{ background:#fff; } /* NAV */ .hc-nav{ border-top: 1px solid rgba(255,255,255,.12); border-bottom: 1px solid rgba(255,255,255,.12); } .hc-nav-inner{ display:flex; align-items:center; gap: 8px; padding: 8px 14px; flex-wrap: wrap; } .hc-nav-item{ position: relative; } .hc-nav-link, .hc-nav-btn{ display:inline-flex; align-items:center; gap: 8px; padding: 10px 12px; border-radius: 14px; font-weight: 1000; background: rgba(255,255,255,.10); border: 1px solid rgba(255,255,255,.14); cursor:pointer; color:#fff; } .hc-nav-link:hover, .hc-nav-btn:hover{ background: rgba(255,255,255,.18); } .hc-caret{ opacity:.9; font-size: 12px; } /* MENU */ .hc-menu{ position:absolute; top: calc(100% + 10px); left: 0; width: min(380px, 92vw); background:#fff; color: var(--hc-ink); border-radius: 18px; border: 1px solid rgba(15,23,42,.14); box-shadow: 0 18px 45px rgba(0,0,0,.22); padding: 10px; display:none; z-index: 9999; } .hc-menu.is-open{ display:block; } .hc-menu-title{ font-weight: 1100; padding: 8px 10px 6px 10px; opacity:.85; } .hc-menu-link{ display:block; padding: 10px 10px; border-radius: 14px; font-weight: 950; color: var(--hc-ink); } .hc-menu-link:hover{ background: rgba(11,42,61,.08); } .hc-menu-desc{ display:block; font-size: 12.5px; opacity:.78; font-weight: 800; margin-top: 2px; } /* SCROLLER - HIGH CONTRAST + BIGGER TEXT */ .hc-scroller{ background: rgba(255,255,255,.12); border-bottom: 1px solid rgba(255,255,255,.14); overflow:hidden; } .hc-scroller-track{ display:inline-flex; gap: 14px; white-space: nowrap; padding: 12px 14px; font-size: 16.5px; /* bigger */ font-weight: 1050; /* bolder */ letter-spacing: .1px; color: #fff; /* full contrast */ text-shadow: 0 1px 0 rgba(0,0,0,.35); animation: hcScroll 18s linear infinite; /* faster */ } .hc-scroller.is-paused .hc-scroller-track{ animation-play-state: paused; } .hc-scroller-text{ opacity: 1; } /* no faint text */ .hc-scroller-sep{ opacity:.85; } @keyframes hcScroll{ 0% { transform: translateX(0); } 100% { transform: translateX(-50%); } } /* Skip link */ .skip-link{ position:absolute; left:-999px; top: 0; background:#fff; color:#000; padding: 10px 12px; border-radius: 12px; z-index: 999999; } .skip-link:focus{ left: 10px; top: 10px; } /* Contrast toggle */ body.hc-contrast .hc-header{ background:#000; } body.hc-contrast .hc-nav-link, body.hc-contrast .hc-nav-btn{ background: rgba(255,255,255,.20); } /* Responsive */ @media (max-width: 900px){ .hc-header-top{ flex-direction: column; align-items: flex-start; } .hc-top-actions{ width:100%; justify-content:flex-start; } }

Want a home valuation and monthly reports? Use the Free Monthly Reports button. Estimate monthly payment from a listing: try the Listing Payment Estimator. Not sure what to do next? Tell us what you want in House Wanted. Free tools for buyers, sellers, homeowners, renters and investors. Improve credit with practical steps and dispute-letter templates. Check affordability and DTI before you waste time on listings. Explore special offers, builder incentives and down payment assistance. First-time buyer? Use the First-Time Buyer Guide to map your next steps.

Down Payment Assistance | HomesCalculator.com /* /assets/css/hc-header.css */ :root{ --hc-navy:#0b2a3d; --hc-navy2:#0b3a66; --hc-ink:#0f172a; --hc-border: rgba(15,23,42,.16); --hc-soft: rgba(11,42,61,.06); --hc-yellow:#ffcc00; } .hc-header{ background: var(--hc-navy); color:#fff; position:relative; } .hc-header a{ color: inherit; text-decoration: none; } .hc-header-top{ display:flex; align-items:flex-start; justify-content:space-between; gap: 14px; padding: 14px 18px 10px 18px; } .hc-brand{ display:flex; gap: 12px; align-items:flex-start; min-width: 260px; } .hc-brand-badge{ width: 42px; height: 42px; border-radius: 14px; background: rgba(255,255,255,.14); display:flex; align-items:center; justify-content:center; font-weight: 1100; } .hc-brand-name{ font-weight: 1100; font-size: 18px; line-height:1.1; } .hc-brand-tagline{ font-size: 12.5px; opacity:.92; line-height:1.2; margin-top:2px; } .hc-top-actions{ display:flex; align-items:center; justify-content:flex-end; gap: 10px; flex-wrap: wrap; } .hc-btn{ border: 1px solid rgba(255,255,255,.18); background: rgba(255,255,255,.10); color:#fff; padding: 9px 12px; border-radius: 14px; font-weight: 950; cursor:pointer; } .hc-btn:hover{ background: rgba(255,255,255,.16); } .hc-btn-small{ padding: 8px 10px; border-radius: 12px; } .hc-btn-primary{ background: var(--hc-navy2); border-color: rgba(255,255,255,.14); } .hc-btn-primary:hover{ background:#0a2f55; } .hc-translate-wrap{ min-width: 170px; } .goog-te-combo{ border-radius: 12px !important; padding: 6px 8px !important; border: 1px solid rgba(255,255,255,.18) !important; background: rgba(255,255,255,.10) !important; color:#fff !important; } /* Move UNDER CONSTRUCTION to the LEFT (does not block translator) */ .hc-uc-left{ display:flex; align-items:center; gap: 10px; margin-top: 10px; padding: 6px 10px; border-radius: 999px; background: var(--hc-yellow); color:#000; border: 2px solid rgba(0,0,0,.35); font-weight: 1100; width: fit-content; } .hc-uc-left .hc-uc-dot{ width:10px;height:10px;border-radius:50%;background:#000; } .hc-uc-left button{ border: 1px solid rgba(0,0,0,.25); background: rgba(255,255,255,.70); color:#000; padding: 6px 10px; border-radius: 999px; font-weight: 1100; cursor:pointer; } .hc-uc-left button:hover{ background:#fff; } /* NAV */ .hc-nav{ border-top: 1px solid rgba(255,255,255,.12); border-bottom: 1px solid rgba(255,255,255,.12); } .hc-nav-inner{ display:flex; align-items:center; gap: 8px; padding: 8px 14px; flex-wrap: wrap; } .hc-nav-item{ position: relative; } .hc-nav-link, .hc-nav-btn{ display:inline-flex; align-items:center; gap: 8px; padding: 10px 12px; border-radius: 14px; font-weight: 1000; background: rgba(255,255,255,.10); border: 1px solid rgba(255,255,255,.14); cursor:pointer; color:#fff; } .hc-nav-link:hover, .hc-nav-btn:hover{ background: rgba(255,255,255,.18); } .hc-caret{ opacity:.9; font-size: 12px; } /* MENU */ .hc-menu{ position:absolute; top: calc(100% + 10px); left: 0; width: min(380px, 92vw); background:#fff; color: var(--hc-ink); border-radius: 18px; border: 1px solid rgba(15,23,42,.14); box-shadow: 0 18px 45px rgba(0,0,0,.22); padding: 10px; display:none; z-index: 9999; } .hc-menu.is-open{ display:block; } .hc-menu-title{ font-weight: 1100; padding: 8px 10px 6px 10px; opacity:.85; } .hc-menu-link{ display:block; padding: 10px 10px; border-radius: 14px; font-weight: 950; color: var(--hc-ink); } .hc-menu-link:hover{ background: rgba(11,42,61,.08); } .hc-menu-desc{ display:block; font-size: 12.5px; opacity:.78; font-weight: 800; margin-top: 2px; } /* SCROLLER - HIGH CONTRAST + BIGGER TEXT */ .hc-scroller{ background: rgba(255,255,255,.12); border-bottom: 1px solid rgba(255,255,255,.14); overflow:hidden; } .hc-scroller-track{ display:inline-flex; gap: 14px; white-space: nowrap; padding: 12px 14px; font-size: 16.5px; /* bigger */ font-weight: 1050; /* bolder */ letter-spacing: .1px; color: #fff; /* full contrast */ text-shadow: 0 1px 0 rgba(0,0,0,.35); animation: hcScroll 18s linear infinite; /* faster */ } .hc-scroller.is-paused .hc-scroller-track{ animation-play-state: paused; } .hc-scroller-text{ opacity: 1; } /* no faint text */ .hc-scroller-sep{ opacity:.85; } @keyframes hcScroll{ 0% { transform: translateX(0); } 100% { transform: translateX(-50%); } } /* Skip link */ .skip-link{ position:absolute; left:-999px; top: 0; background:#fff; color:#000; padding: 10px 12px; border-radius: 12px; z-index: 999999; } .skip-link:focus{ left: 10px; top: 10px; } /* Contrast toggle */ body.hc-contrast .hc-header{ background:#000; } body.hc-contrast .hc-nav-link, body.hc-contrast .hc-nav-btn{ background: rgba(255,255,255,.20); } /* Responsive */ @media (max-width: 900px){ .hc-header-top{ flex-direction: column; align-items: flex-start; } .hc-top-actions{ width:100%; justify-content:flex-start; } } Skip to main content

Down Payment Assistance

Down payment assistance (DPA) can help eligible buyers reduce upfront costs. Programs vary by location, income, household size, first-time buyer status, and property type.

Free Mortgage Approval Application DTI Pre-Check First-Time Buyer Guide

How DPA commonly works

Grants: may not require repayment if program rules are met.
Second mortgages: may be deferred or forgiven over time.
Lender credits: pricing credits can reduce cash to close.
Seller concessions: negotiated credits can help cover costs.

Who it is best for

First-time buyers or buyers re-entering the market.
Buyers with steady income who want to preserve savings.
Buyers who can afford the monthly payment but need help with upfront costs.

Next steps

Run a quick readiness check: DTI Pre-Check
Estimate payment from a listing: Buyer Listing Estimator
Apply for accurate guidance: Free Mortgage Approval Application

Request a DPA check