Purchase / Rehab / Resell Program

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Down Payment Assistance Loan

  • Available based on income eligibility
  • 20% of final price or $20,000 (whichever is less)
  • 0% interest
  • No monthly payment
  • Due back upon resale

Requirements

  • Annual household income cannot exceed the guidelines established by HUD
  • Must invest at least $1,000 of your own funds toward the purchase of the home
  • Need to obtain a mortgage loan from a lender of your choice
  • Must complete a Homebuyer Education Workshop
  • Must reside in home as your primary residence during the life of the down payment assistance loan

Example

Documents Needed for Application

From all members of the household:

  • Last 3 years' tax returns (including W2s, 1098/1099 and all schedules)
  • Last 2 months' bank statements from all accounts
  • Last 12 pay stubs from current employment
  • Divorce Decree and Child Support Order, if applicable
  • Social Security benefit documents, if applicable
  • Life insurance cash value records, if applicable (not necessary for term insurance)
  • Most recent investment statements, if applicable

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