Down Payment Assistance (DPA) Loans

Buy Your Home with Little Money Out of Pocket

Saving for a down payment is one of the biggest obstacles to homeownership but it doesn’t have to be. Our Down Payment Assistance (DPA) loan programs help qualified homebuyers purchase a home sooner by reducing or eliminating the upfront cash needed for a down payment and closing costs.

At Nations Trust Mortgage, we work with multiple state, local, and national Down Payment Assistance programs that can provide grants, forgivable loans, or low-interest second mortgages. Whether you’re a first-time homebuyer or an eligible repeat buyer, we’ll help you find the right program and guide you through every step of the mortgage process.

What Is a Down Payment Assistance Loan

A Down Payment Assistance (DPA) loan is designed to help eligible homebuyers cover some or all of their down payment and, in many cases, closing costs. Depending on the program, assistance may come in the form of:

• Grants that never have to be repaid
• Forgivable second mortgages
• Deferred-payment loans
• Low-interest second mortgages

Many DPA programs can be combined with Conventional, FHA, VA, and USDA loans, making homeownership more accessible than ever.

Benefits of Choosing Nations Trust Mortgage

Finding the right Down Payment Assistance program can be confusing. Our experienced mortgage advisors compare multiple assistance programs to determine which one provides the greatest benefit based on your income, location, credit profile, and homeownership goals.

We make the process simple, fast, and transparent—from pre-approval through closing.

Benefits of Our Down Payment Assistance Loans

• Down payment assistance available for qualified buyers
• Help with closing costs
• Low out-of-pocket expenses
• Compatible with Conventional, FHA, VA, and USDA financing
• Competitive mortgage rates
• Flexible credit guidelines
• Fast pre-approvals
• Expert guidance throughout the entire process
• Multiple assistance programs available
• Personalized financing solutions

Who Is DPA Loan Best For

Our Down Payment Assistance programs are ideal for:

• First-time homebuyers
• Eligible repeat homebuyers
• Buyers with limited savings
• Teachers
• Healthcare professionals
• First responders
• Military service members and veterans
• Moderate-income households

Eligibility varies by program, income, location, and property type.

Benefits of Choosing Nations Trust Mortgage

Finding the right Down Payment Assistance program can be confusing. Our experienced mortgage advisors compare multiple assistance programs to determine which one provides the greatest benefit based on your income, location, credit profile, and homeownership goals.

Whether you’re purchasing your dream home, refinancing your current mortgage, or accessing your home’s equity, we’ll help you secure financing with a smooth and efficient process.

When you work with us, you’ll receive:

• Access to multiple Down Payment Assistance programs 
• Fast pre-qualification
• Personalized loan options
• Competitive rates
• Responsive communication
• A streamlined mortgage process from application to closing

Frequently Asked Questions

How much down payment assistance can I receive?

The amount depends on the specific program, your location, household income, and the purchase price of the home.

Do I have to be a first-time homebuyer?

Not always. While many DPA programs are designed for first-time buyers, some are available to repeat homebuyers who meet program requirements.

Can I use Down Payment Assistance with an FHA loan?

Yes. Many Down Payment Assistance programs can be combined with FHA, Conventional, VA, and USDA loans.

Will I have to repay the assistance?

It depends on the program. Some provide grants that never require repayment, while others offer forgivable or deferred-payment loans.

How do I know if I qualify?

Our mortgage specialists will review your income, credit, employment, and purchase goals to identify every Down Payment Assistance program for which you may qualify.

Our goal is to help you get approved quickly with the financing solution that best fits your financial profile.