Six-state DPA planner
See how a representative state assistance option could change an illustrative FHA down payment and cash-to-close estimate. The calculator distinguishes grants from repayable, deferred, forgivable, and amortizing second mortgages.
STATE PROGRAM PLANNING VIEW
This model uses an illustrative FHA 3.5% down payment. County, household, occupancy, first-time-buyer, income, purchase-price, lender, education, funding, and reservation rules still require review.
ILLUSTRATIVE OUT-OF-POCKET VIEW
Lesser of 3% of the first mortgage or $25,000. CHFA generally requires a $1,000 borrower contribution, which may be gifted.
Illustrative planning estimate—not an eligibility decision, reservation, approval, disclosure, or promise of funds. Published “up to” amounts are modeled as maximums and capped by the remaining cash need; the amount actually available may be lower or zero. Assistance may be a repayable, deferred, forgivable, or amortizing second mortgage rather than a grant. Seller and lender credits are applied only against modeled closing costs—not minimum down payment. FHA and lender credit requirements still apply. Program funding and terms can change. Official program parameters last verified September 30, 2026.
State, price, and credit score are only a starting point. County, household income and size, first-time-buyer status, occupancy, loan type, purchase-price limits, education, lender participation, funding availability, reservation status, repayment terms, and exact first-mortgage figures control the real result.
Primary references
Program, regulation, and vendor information can change. Use the current source alongside lender, investor, legal, compliance, and file-level review.
Plan your processing lane
Request a scenario-level conversation about scope, lender workflow, systems, and processing fit. Do not send borrower information or loan documents through this website.