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DOWN PAYMENT ASSISTANCE

Buy with Little to Zero Down Payment

Planning to buy a home? With our down payment assistance programs, you don’t need a down payment saved up.

  • No income limits
  • No first-time-buyer rule
  • Forgivable after 36 payments
  • Credit score as low as 600
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  • No impact on credit
  • Takes 1 min
  • No docs needed

$0

Minimum borrower contribution
toward the down payment

600

 Minimum qualifying credit score

First-Time or Repeat Buyer

 Previous homeowners may also qualify

Primary Residence

Available for eligible FHA home purchases

$0

Minimum borrower contribution
toward the down payment

600

 Minimum qualifying credit score

First-Time or Repeat Buyer

 Previous homeowners may also qualify

Primary Residence

Available for eligible FHA home purchases

Down Payment Doesn’t Have to Delay Your Move

FHA financing can require a much smaller minimum down payment, and eligible assistance may cover that required amount for qualified buyers.

Check My Eligibility

Instead of spending several more years saving, you may be able to begin your home search now.

HUD states that FHA loans can require as little as 3.5% down and that the required investment may come from approved sources such as:

  • second mortgages
  • grants and 
  • down payment assistance programs

A quick review can help you understand whether you qualify and how much cash you may still need at closing. No obligation.

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Buy Your Home Now with Our
Down Payment Assistance Program

Your Down Payment May Be Covered

Assistance may cover the FHA minimum down payment, reducing one of the largest upfront barriers to purchasing a home.

Not Limited to First-Time Buyers

You may qualify even if you have owned a home before. Move-up buyers and buyers returning to homeownership are welcome to apply.

No Hard Income Cutoff

The program does not have a maximum income limit. A pricing adjustment may apply when qualifying income exceeds 160% of the area median income.

Options Beginning at a 600 Credit Score

Qualified borrowers may be considered with a minimum credit score of 600, subject to FHA, underwriting and program requirements.

A Forgivable Option May Be Available

Eligible borrowers may choose assistance with no monthly payment that can be forgiven after 36 consecutive, on-time first-mortgage payments, once forgiveness is requested and all program conditions have been met.

More Assistance May Be Available

A repayable option may provide a larger amount of assistance for buyers who can comfortably carry a monthly payment on the second mortgage.

Don’t let a down payment keep you from your dream home.
Find out how much assistance you qualify for today

Check My Eligibility

500+ Reviews from

Buy Your Home Now with Our
Down Payment Assistance Program

Your Down Payment May Be Covered

Assistance may cover the FHA minimum down payment, reducing one of the largest upfront barriers to purchasing a home.

Not Limited to First-Time Buyers

You may qualify even if you have owned a home before. Move-up buyers and buyers returning to homeownership are welcome to apply.

No Hard Income Cutoff

The program does not have a maximum income limit. A pricing adjustment may apply when qualifying income exceeds 160% of the area median income.

Options Beginning at a 600 Credit Score

Qualified borrowers may be considered with a minimum credit score of 600, subject to FHA, underwriting and program requirements.

A Forgivable Option May Be Available

Eligible borrowers may choose assistance with no monthly payment that can be forgiven after 36 consecutive, on-time first-mortgage payments, once forgiveness is requested and all program conditions have been met.

More Assistance May Be Available

A repayable option may provide a larger amount of assistance for buyers who can comfortably carry a monthly payment on the second mortgage.

Don’t let a down payment keep you from your dream home.
Find out how much assistance you qualify for today

Check My Eligibility
See Which DPA Option Fits Your Goals

Choose the Assistance Structure That Fits Your Plans

Best suited for buyers who want to minimize their monthly obligations and expect to remain in the home.

  • Up to 3.5% DPA allowed
  • No monthly payment on the assistance
  • No interest charged on the assistance
  • Structured as a second mortgage
  • May be forgiven at the borrower’s request after 36 consecutive, on-time first-mortgage payments
  • Repayment may be required if the forgiveness conditions are not completed
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Best suited for buyers who need a larger amount of help and can comfortably include a second-mortgage payment in their budget.

  • Up to 5% DPA allowed
  • Repaid through monthly payments
  • Amortized over a 10-year term
  • Final rate, payment and costs are disclosed before closing
  • Subject to qualification and affordability review
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Down payment assistance through the Texas State Affordable Housing Corporation (TSAHC), a nonprofit created by the Texas Legislature. Best suited for Texas buyers who fit their county’s income limits, including teachers, first responders and veterans.

  • 2% to 5% DPA available
  • Grant option is never repaid
  • Forgivable second clears after 3 years
  • No monthly payment on either option
  • Available on FHA, VA, USDA and conventional
  • County income limits apply
  • Home buyer education required before closing
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In-House Forgivable

  • DPA Amount: 3.5%

  • INTEREST RATE: 0%

  • TERM: 30 Years

  • MONTHLY PAYMENT: None

  • FORGIVENESS: After 36 on-time payments, at borrower request

  • FIRST-TIME BUYER: Not required

  • BEST FOR: Borrowers who want simplicity and plan to stay

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In-House Repayable

  • DPA Amount: 3.5% or 5%

  • INTEREST RATE: First mortgage rate + 2%

  • TERM: 10 Years, amortized

  • MONTHLY PAYMENT: Required

  • FORGIVENESS: Not forgivable, repaid

  • FIRST-TIME BUYER: Not required

  • BEST FOR: Borrowers needing maximum assistance who can carry the second mortgage

Check My Eligibility
TSAHC Options

  • DPA Amount: 2% – 5%

  • INTEREST RATE: 0%

  • TERM: No lien on grant; 3 years on forgivable second

  • MONTHLY PAYMENT: None

  • FORGIVENESS: Grant is never repaid; forgivable second clears after 3 years

  • FIRST-TIME BUYER: Not required

  • BEST FOR: Texas buyers who fit county income limits, including teachers, first responders and veterans

Check My Eligibility

FEATURE

In-House Forgivable

In-House Repayable

TSAHC Options

DPA Amount

3.5%

3.5% or 5%

2% – 5%

INTEREST RATE

0%

First mortgage rate + 2%

0%

TERM

30 Years

10 Years, amortized

No lien on grant; 3 years on forgivable second

MONTHLY 
PAYMENT

None

Required

None

FORGIVENESS

After 36 on-time payments, at borrower request

Not forgivable, repaid

Grant is never repaid; forgivable second clears after 3 years

FIRST-TIME BUYER

Not required

Not required

Not required

BEST FOR

Borrowers who want simplicity and plan to stay

Borrowers needing maximum assistance who can carry the second mortgage

Texas buyers who fit county income limits, including teachers, first responders and veterans

Are You Eligible for a DPA Program?

You may qualify whether you are buying your first home, moving into a different home or returning to homeownership.

Check My Eligibility

  • You are purchasing a home rather than refinancing
  • At least one borrower will occupy the home as a primary residence
  • Your qualifying credit score is 600 or higher
  • You are purchasing an eligible one- or two-unit property
  • You can qualify for an FHA, VA, USDA or conventional first mortgage
  • Your income, debts and proposed housing payment meet underwriting requirements
  • The property is located in an eligible state

Not Sure if You Qualify for a DPA Program?

You do not need to know which assistance option is right for you before applying. 

We will review your credit, income, property plans and estimated monthly payment before explaining the available choices.

Check My Eligibility Now
Homebuyer learning common mortgage terms and definitions

Not Sure if You Qualify for a DPA Program?

You do not need to know which assistance option is right for you before applying. 

We will review your credit, income, property plans and estimated monthly payment before explaining the available choices.

Check My Eligibility Now
How it works

From Eligibility Check To Homebuyer

Know Your Options: Understand Your Numbers. Move Forward With Confidence

Tell Us About Your Plans

Complete the short eligibility form with your preferred location, estimated credit range and homebuying timeline

Review Your Qualifications

A licensed loan oficr reviews your income, credit, debts, and estimated purchase budget against FHA and assistance guidelines

Compare Your Options

We explain which assistanc structures may be available, what estumated payment could look like and how much cash you may still need for closing

Get Pre Approved

Once your documentation is reviewed, you can begin shopping with a clearer understanding of your budget and available assistance.

Close With the Assistance

The first mortgage and down payment assistance are completed together as part of your home purchase.
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Frequently asked questions

No. The assistance is provided through a second mortgage. Depending on the option selected and whether all conditions are completed, the assistance may eventually be forgiven or may need to be repaid.
No. None of our down payment assistance options require you to be a first-time buyer, including the TSAHC programs. Previous homeowners qualify. Worth knowing anyway: most programs that do have a first-time requirement define it loosely. You generally still count if you haven't owned a principal residence in the past three years, if you're a single parent who only owned jointly with a spouse, or if you're a displaced homemaker in the same situation. If you owned a home years ago, don't assume you're out.
There is no hard maximum income limit. However, a pricing adjustment may apply when the qualifying income exceeds 160% of the area median income.
The program’s minimum credit score is currently 600, based on the qualifying score used for the loan. Credit score alone does not guarantee approval.
No. At least one borrower must occupy the property as a primary residence. The standard assistance options are generally available for eligible one- and two-unit properties.
No. This assistance is for eligible home purchase transactions.
You may be able to sell or refinance, but the remaining second-mortgage balance would generally need to be paid off. Arrive Home does not permit subordination of its second mortgage during the first 36 months.
Arrive Home does not independently require homebuyer education, although FHA, another agency or a specific loan condition may require it.
No. State availability must be confirmed before the program is quoted. It is not currently offered in New York, and additional location-specific restrictions may apply.

Stop Guessing About How Much You Need to Buy

You may not need a large down payment fund, or several more years of saving, to become a homeowner.

Let us review your situation and show you:

  • Whether you may qualify for assistance
  • Which assistance structure may fit your plans
  • Your estimated homebuying budget
  • Your possible monthly payment
  • The closing funds you may still need
Check My Eligibility Now

Checking your options does not obligate you to proceed with a loan.

Homebuyer calculating their monthly mortgage payment

Stop Guessing About How Much You Need to Buy

You may not need a large down payment fund, or several more years of saving, to become a homeowner.

Let us review your situation and show you:

  • Whether you may qualify for assistance
  • Which assistance structure may fit your plans
  • Your estimated homebuying budget
  • Your possible monthly payment
  • The closing funds you may still need

Checking your options does not obligate you to proceed with a loan.

Check My Eligibility Now