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If you’re a first-time buyer struggling with the upfront cash, it’s worth looking into down payment assistance for 2026. Some programs in select states/areas show up to $25,000 that can be used toward down payment and/or closing costs (program rules vary — some are grants, some are forgivable, some are second mortgages).
What I’m seeing as common qualifiers:
Also, funding is often limited and first-come, so programs can pause once the allocation is used.
Has anyone here closed using DPA recently? What was the hardest part — documentation, lender overlays, timing, or the homebuyer class?
Breakdown I found (states + how it works):
https://dreamhomemortgage.com/up-to-25000-down-payment-assistance-grants-available-now/
What I’m seeing as common qualifiers:
- First-time buyer status (often “no ownership in last 3 years”)
- Income limits based on your area
- Primary residence purchase
- Homebuyer education course
Also, funding is often limited and first-come, so programs can pause once the allocation is used.
Has anyone here closed using DPA recently? What was the hardest part — documentation, lender overlays, timing, or the homebuyer class?
Breakdown I found (states + how it works):
https://dreamhomemortgage.com/up-to-25000-down-payment-assistance-grants-available-now/
