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Down Payment

Down Payment Assistance Program

Our down payment assistance program helps families and individual purchase a primary residence by providing down payment and closing cost assistance in the form of a Second Mortgage and/or gift. Many times this allows home buyers to purchase much sooner than they thought possible.


  • Must occupy home as primary residence
  • Credit scores as low as 620 may qualify
  • Must fall within program income limits, which vary by county*


  • Receive up to 7% of total first loan amount
  • No monthly payments
  • No interest accrued
  • FHA, VA, USDA, and Conventional loans are eligible
  • No income limits for FHA or VA loans

*To learn more about the your county’s USDA income limits, please visit: United States Department of Agriculture

*To learn more about your county’s Conventional income limits, please visit: Fannie Mae and Freddie Mac

The RWM Fluid Mobile App streamlines the process to buy a home or refinance a home, as well as helps you get pre approved
Your Journey Begins Here.

Getting started on the purchase or refinance of your home is just
a few minutes away. No commitment needed.

I have done business with RWM for 25 years and would not go anywhere else. Whenever any of my colleagues ask about mortgages I say RWM cannot be beat.

Brian R.
Rating: 5

Awesome experience with an impressive attention to detail and the ability to navigate and explain each procedure to me and my wife . Especially because we are first time buyers. Thank so so much from the bottom of our hearts.

Luis A.
Rating: 5

From beginning to end all of the friendly knowledgeable people at RWM made the mortgage transaction effortless and pleasant.

Boyd M.
Rating: 5

The ease of document uploads, the ability to docusign and the helpful videos complemented the excellent and personalized service by everyone on the team. I can’t wait to buy another property so I can use RWM again!

Kristin A.
Rating: 5
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