What We Offer

• No First-Time Homebuyer Requirement: You don't have to be a first-time buyer to qualify.

• Down Payment Assistance:

  • Up to 3% for non-targeted areas.

  • Up to 5% for targeted areas.

  • Assistance can be used for down payment, interest rate reduction, and/or closing costs.

• Forgivable Second Loan:

  • 7-year term with 0% interest.

  • Forgivable on a pro-rata basis over 84 months, provided the home remains the primary residence.

  • If the home is sold or refinanced within 7 years, repayment of the remaining balance is required.

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Minimum Qualifications​

• Minimum credit score: 640

• Must meet income limits by county

• First-time homebuyers must complete homebuyer education​

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