Find the grants and programs many buyers never realize they qualify for.
Down payment assistance (DPA) programs provide grants or secondary loans that help qualified buyers cover part of their down payment and closing costs, reducing the cash needed to become a homeowner. These programs are usually offered by state and local housing agencies, nonprofits, or occasionally employers, and can be structured as forgivable loans, deferred second mortgages, or true grants that never have to be repaid. Most DPA programs have income limits, purchase price caps, and primary-residence requirements, and many are aimed at first-time buyers who complete approved homebuyer education.
No SSN required · Zero impact to credit · Never sold
Many buyers can qualify sooner once the upfront down-payment and closing-cost burden is reduced.
There are many assistance options buyers miss simply because no one matches them to the right local or broader programs.
Instead of draining reserves to buy, assistance may let you keep more money available after closing.
Tap the button and answer a few quick questions, no SSN needed.
Aaron's team finds the sharpest program for your scenario.
Review and lock the rate and structure that fits your goals.
Clear communication every step until you have the keys.
Depending on the program, it can help with the down payment, closing costs, or both.
Not always. Some programs are grants or forgivable assistance, while others are structured as repayable second loans.
Because eligibility varies widely by location and profile, and many borrowers never get matched to the programs available to them.
Schedule a call with Aaron Ehresmann, Loan Originator at West Capital Lending. He'll review your scenario, walk through your options, and map out the cleanest path forward, no pressure.