Local programs offer up to $161,000 in down payment assistance — and many families qualify without knowing it. Answer 7 quick questions and we'll show you which doors are already open.
About your household
Include yourself, your spouse or partner, and anyone you support — children, parents, anyone whose income or expenses you share.
Your annual income
Add up everyone's gross yearly income — wages, self-employment, SSI, retirement, rental, family contributions. A close estimate is fine; counselors verify the exact number with paystubs and tax returns.
Where you want to buy
Eligibility depends a lot on the specific city or neighborhood. Pick what fits best — counselors confirm the exact property address later.
Your credit
If you're not sure, give your best guess — you can pull a free report at annualcreditreport.com. Most assistance programs require 660 or higher, but counselors can help you build credit if you're below that.
Your target
No need for an exact number — pick what feels realistic for the area you want. We'll show what's reachable with assistance and what's a stretch.
What you've saved
Include savings, checking, gift funds from family — but not retirement accounts (those are protected). Assistance programs only require 1% of the down payment from you in many cases.
Your monthly obligations
Add up the minimum monthly payments on credit cards, car loans, student loans, and personal loans. Don't include rent, utilities, food, or other living expenses.
Copy this and send to yourself, a family member, or your counselor.