Do I have to pay down payment assistance back?

It depends on the program. Some are grants you don't repay; others are second loans with their own terms. I'll lay out exactly how each one you qualify for works.

Is the 1-percent-down program real?

Yes, Finance USA offers low-down options including a 1-percent-down program for eligible clients. Whether you qualify depends on your specifics, which we go through on the call.

Loan program

Down payment assistance

Programs that shrink the cash you need to get to closing.

Book a 15-minute call Start a pre-approval

What it is

Down payment assistance is a set of programs that reduce the cash a buyer needs up front, through grants, second loans, or special low-down programs. For first-time and first-generation buyers, this is often the piece that turns "someday" into this year. Finance USA also offers low-down programs for eligible borrowers, including a 1-percent-down option.

Who it's for

01First-time and first-generation buyers
02Buyers with steady income but limited savings
03Anyone who assumed they were years away from affording a down payment

The essentials

Virginia Housing programs

Virginia Housing (VHDA) offers grants and second loans that pair with FHA or conventional financing. We check which you qualify for.

Low-down options

For eligible borrowers, Finance USA offers low-down programs, including a 1-percent-down option. Eligibility depends on your situation, which we confirm together.

Stackable help

Assistance often combines with a primary loan to bring the cash needed to closing way down. We map the full picture.

Eligibility for assistance programs depends on income, location, and the loan you pair it with. We confirm what you qualify for before you count on it.

Common questions

Down payment assistance, answered.

Do I have to pay down payment assistance back?: It depends on the program. Some are grants you don't repay; others are second loans with their own terms. I'll lay out exactly how each one you qualify for works.
Is the 1-percent-down program real?: Yes, Finance USA offers low-down options including a 1-percent-down program for eligible clients. Whether you qualify depends on your specifics, which we go through on the call.

Related programs

FHA loans

The flexible path for first-time and lower-down-payment buyers.

USDA loans

Zero down for eligible homes in less-dense areas.

Conventional loans

The best terms when your credit and savings are in good shape.

Not sure if this is your program?

That's what the first call is for.

Tell me your situation and I'll tell you which programs actually fit. Ten to fifteen minutes, no paperwork.

Book a call See all programs

This page is general information about loan programs, not a commitment to lend or an offer of credit. Program availability, terms, and qualification depend on your situation and are subject to underwriting approval. Tareq Maayta, NMLS #1443073. Loans through Finance USA Corporation, NMLS #135625. Equal Housing Opportunity.