Advanced Lending Solutions
DOWN PAYMENT HELP
DPA Advantage — Down Payment Assistance
Lower or no upfront homebuying costs. Our forgivable grant covers up to 3.5% of the purchase price — no income limits, no repayment, available anywhere in Texas.
See Your Options
3.5%
FORGIVABLE GRANT
580+
CREDIT SCORE
$0
REPAYMENT REQUIRED
No Limits
INCOME OR LOCATION
What Is the DPA Advantage Grant?
The biggest barrier to homeownership for most buyers isn’t the monthly payment — it’s coming up with the down payment and closing costs upfront. Our DPA Advantage Grant eliminates that barrier.
You receive up to 3.5% of the sales price as a forgivable grant. That means it never has to be repaid. Combined with seller-paid closing costs, many of our clients purchase a home with zero money out of pocket.
No income limits. No geographic restrictions within Texas. Available to first-time and repeat homebuyers alike.
3.5%​
OF THE PURCHASE PRICE
Provided as a forgivable grant toward your down payment and closing costs — never has to be repaid.
​FORGIVABLE — NO REPAYMENT
Programs That Get You Into a Home
Pair down payment assistance with the right loan program and you could be moving in sooner than you think.
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DOWN PAYMENT HELP
DPA Advantage — Forgivable Grant
Receive up to 3.5% of the purchase price as a forgivable grant applied toward your down payment or closing costs. This is not a second loan — it is a true grant that never requires repayment, making homeownership accessible even with limited savings.
3.5% down payment grant available
No income limits or geographic restrictions
Seller can pay up to 6% of closing costs
Potential $0 out-of-pocket purchase
Send Us Your Inquiry
FIRST-TIME BUYERS
FHA Loan with Low Credit
FHA loans are government-backed mortgages with flexible credit requirements and low down payment options. Pair an FHA loan with our DPA grant to dramatically reduce what you need to bring to closing — or potentially eliminate it entirely.​
Credit scores starting at 580 (as low as 500 for eligible buyers)
As little as 3.5% down payment required
Combine with DPA grant for zero out-of-pocket
First-time and repeat buyers eligible
Competitive fixed interest rates
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Send Us Your Inquiry
VETERANS & MILITARY
VA Loan — $0 Down Payment
If you’re a veteran or active-duty military member, you may qualify for a VA loan with zero down payment and no private mortgage insurance. Already one of the most powerful programs available — and it can be paired with closing cost assistance for even more savings.
$0 down payment required
No private mortgage insurance (PMI)
Available for veterans, active duty, and surviving spouses
Credit scores from 580 accepted
Closing cost assistance available
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Send Us Your Inquiry
Who Can Use Down Payment Assistance?
More people qualify than you might think. Whether it’s your first home or your fifth — if you’re buying in Texas, we have options for you.
First-Time Homebuyers
Purchasing your first home? Our DPA grant covers your down payment so you can focus on finding the right house.
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Repeat Homebuyers
You don’t have to be a first-time buyer. Our DPA program is open to anyone purchasing a home in Texas.
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Veterans & Active Military
Combine your VA loan benefit with closing cost assistance to buy a home with truly nothing out of pocket
Low or Recovering Credit
Credit scores starting at 580 are accepted. We work with borrowers rebuilding their credit history.
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Limited Savings
If saving for a down payment has been the obstacle, our grant removes that barrier entirely.​
Previously Denied
Been turned down by another lender? Our flexible programs and DPA options may open the door.
Frequently Asked Questions
What credit score do I need for Texas down payment assistance?
Most DPA programs require a 660 credit score, but our DPA Advantage program accepts scores as low as 580. For FHA-backed options, we can work with scores as low as 500 in some cases. VA loan borrowers can qualify with a 580 credit score.
Do I have to pay back the down payment assistance grant?
No. Our DPA Advantage Grant is forgivable — meaning you never have to repay it. It is not a second loan or lien against the property. It is a true grant applied directly to your down payment or closing costs.
Are there income limits to qualify?
No. Our DPA Advantage program has no income limits and no geographic restrictions within Texas. Any buyer — regardless of income level — can apply. Both first-time and repeat homebuyers are eligible.
Can I use DPA with an FHA or VA loan?
Yes. The DPA Advantage Grant can be paired with FHA loans to cover the required 3.5% down payment. VA loans already offer $0 down, but the grant can be applied toward closing costs, potentially making your purchase completely zero out of pocket.
How quickly can I close with down payment assistance?
Our team moves quickly. Once you are pre-qualified and have an accepted offer, we work to close on a standard timeline. The DPA grant is applied at closing — no separate process or waiting period required.
Your Home Is Closer Than You Think
The down payment doesn’t have to stop you. Let us show you how our DPA Advantage Grant can get you into a home sooner — with less money out of pocket.
Get Pre-Qualified Today
Call 888-668-3559