Down Payment Assistance
Grants and programs that help cover the cash to buy.
See what I qualify forSaving for a down payment is the biggest wall most families hit. Down payment assistance programs from state, county and local sources can help with part of the down payment or closing costs. Dakotah knows how to pair them with the right first mortgage.
Is this a good fit for you?
- First-time buyers and some repeat buyers
- Households within program income limits
- Buyers with steady income but limited savings
- Buyers willing to take a short homebuyer class
How it works with Dakotah
1. Find the programs you fit
Programs differ by state, county, city, income and price. Dakotah checks which ones you can use.
2. Grants and second loans
Some help is a grant, some is a second loan that may be forgiven or repaid later. She explains the terms in plain English.
3. Pair it with a first mortgage
Assistance usually works with FHA, VA, USDA or conventional loans. The pairing matters.
4. Homebuyer education
Many programs ask for a short class. It is worth it, and she will point you to an approved one.
What to have ready
- Household income details
- Pay stubs and tax returns
- Bank statements
- The area you want to buy in
Do not have all of it yet? That is fine. Start the conversation and Dakotah will tell you exactly what she needs and when.
“Down payment help is real, but the rules change and every program is different. Let me do the digging so you do not leave free help on the table.”
Dakotah Kutz, NMLS #1568471Why people choose Dakotah
Plenty of lenders can quote a rate. What clients talk about is the experience. Dakotah answers fast, explains each step in plain words, and keeps your agent in the loop so nobody is guessing. When a file gets complicated, a job change, a gift, a tricky appraisal, she finds a way through it instead of handing you a list of reasons it will not work.
She also looks past the first loan. If an FHA loan gets you in the door today, she will tell you when a refinance might make sense later. If you are buying a rental, she thinks about the next one too. That long view is why so many of her clients come back and send their friends.
Try Loan Match
Not sure this is the one? Answer six quick questions and see which programs line up for you.
Tap your answers and your best fit loans show up here.
Questions people ask
Is down payment assistance free money?
Some programs are grants, others are second loans with their own terms. Dakotah will walk you through each option.
Can repeat buyers use it?
Some programs allow it. Many are aimed at first-time buyers.
Does it slow down closing?
It can add steps, so plan ahead. Dakotah builds that into the timeline.
Other loans to compare
Talk to Dakotah about down payment assistance.
She will look at your full picture and tell you straight if this is the right program.