PRMG offers 200+ standalone down payment assistance programs across the country, plus we cross-reference Down Payment Resource and Freddie Mac's DPA One database to make sure no available program gets missed. The best fit depends on your income, credit profile, property location, and timeline.
We maintain our own continuously-updated database of standalone down payment assistance programs PRMG is approved to originate. Search by your state and city or county to see what may apply to you.
A general database search is a starting point. Income limits, credit overlays, and program funding cycles change often. Send the form below and we will return the programs that fit your specific situation, plus a side-by-side payment comparison.
The biggest reason buyers think they can't afford a home is the down payment. But the State of California, county housing authorities, and lender-funded programs offer real assistance, sometimes covering the full down payment and a portion of closing costs.
The catch: each program has different rules around income, location, credit, and first-time buyer status. Stacking the wrong programs together (or applying through the wrong loan type) is the #1 reason buyers get denied DPA.
That's where the strategy piece matters. We sit on top of the programs daily and know which ones are still funded, which lender overlays apply, and which combinations actually work.
Do I need to be a first-time buyer?
For most programs, yes, but "first-time" usually just means you haven't owned in the last 3 years.
Do I have to pay the assistance back?
Some programs are forgivable, some are deferred (no payment until sale or refi), and some are silent seconds with no monthly payment.
Can I combine DPA with FHA, VA, or conventional?
Often yes. We layer programs the right way to maximize your benefit.
Will DPA delay my closing?
Done correctly, no. We submit DPA paperwork in parallel with the main loan file.
Verify current guidelines, income limits, purchase price limits, and funding availability directly with the issuing agencies. Programs are real, but they have to be matched carefully to the buyer, property, county, income limits, and current funding availability.