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Find Your Homebuying Options

Are you a first-time homebuyer?

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Up to $25,000 Assistance

Up to 5%

With down payment assistance, we help cover both the down payment and closing costs, offering up to 5% of the purchase price based on FHA county loan limits.

First-time Buyers & More

Homebuyers do not have to be a first-time home buyer to qualify. $25,000 Down Payment Assistance is available to all homebuyers.

Loan Limits

Loan amounts up to $701,500, FHA loan limits and down payment assistance depend on the FHA county limits. Assistance subject to 5% of purchase price.

Less Than Perfect Credit

As low as a 640 credit score is required for down payment assistance. No Income Limits.

How to get started

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1

Find the right home

It all starts here by choosing a home and down payment assistance option that best fits your purchase plan.

2

Find a program

Help to understand and follow loan estimate, loan program, interest rate, monthly payment and cash to close.

3

Painless process

Once you know your CHFA options you’ll be ready to shop for a home.

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Takes two minutes. Won’t affect your credit score.

Frequently asked questions

Q: How does a home buyer qualify for down payment assistance programs?
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Buyers must have qualifying income, all borrowers have a mid-credit score of 620 or higher and occupy as primary residence. Ask your loan officer for additional qualifications.

Q: Which program is best for me?
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Your down payment assistance depends on which program you qualify for and which program you can get approved for. Some first time programs have income limits, but do not worry we can have lenders that can review all loan options with you.

Q: Can I find a loan with no down payment and FHA Loan?
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Yes, FHA loan is an excellent choice. We also offer Conventional, VA, and USDA mortgages with down payment assistance options. Each loan has different guidelines.

Q: Can down payment assistance really help me buy a home?
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Yes, we help home buyers every day to achieve their goals of purchasing a home.

Q: What kind of home loan are available.
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Typically first-time buyers like 30 year fixed loans and we can offer down payment assistance with Conventional, FHA, VA and USDA loans.

Q: What is the first step to take advantage of down payment assistance programs?
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Start with “Start Here” answer the questions, connect with our real estate professionals and have your options emailed to you.

Get started in minutes

Speed matters. Which is why you can start your estimate today. Without affecting your credit score.

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Won’t affect your credit score.

All Rights Reserved. Copyright 2020. No advertisement or solicitation from firsthometime.com is meant to be a mortgage brokering activity or mortgage lending activity. All brokering or lending activities can only be completed by licensed real estate professional. All information, home buying programs are subject to change without notice. All loans subject to underwriter approval. Terms and conditions apply. Always consult an accountant or tax advisor for full eligibility requirements on tax deduction.