Down Payment Assistance 2026: Programs, Grants & How to Qualify
Down Payment Assistance 2026: Programs, Grants & How to Qualify Down payment assistance (DPA) can help you buy a home with little or no money down — through grants, forgivable loans, and low-interest loans. This guide explains DPA programs, how to qualify, and how to apply in 2026. What Is Down Payment Assistance? Financial help for down payment + closing costs. Types: Grants (free money, never repaid), forgivable loans (forgiven after 5-10 years if you stay), deferred loans (repaid at sale/refinance), low-interest loans (0-3% APR). Amounts: $5,000-$25,000+ (varies by program, location, income). Who offers: State housing finance agencies, local governments, nonprofits, employers, lenders. Types of Down Payment Assistance Grants: Free money. Never repaid. $5K-$15K typical. Best for: Low-income, first-time buyers. Forgivable loans: 0% interest. Forgiven after 5-10 years (if you stay in home). If you sell early, repay prorated amount. Deferred loans: 0% interest. Repaid whe...