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Down Payment

Down Payment Assistance Program

Our down payment assistance programs help families and individuals achieve their dream of homeownership by providing funds that can be applied towards the down payment. Some programs will provide additional funds that can be used for closing costs, which lowers the total contribution they must come in with the loan closes. Down Payment Assistance may come in the form of a Second Mortgage, a Community Second or a Grant. Many times, this allows home buyers to purchase much sooner than they thought possible.


  • Must occupy home as Primary Residence
  • Single family homes, condos & townhomes are eligible
  • Special eligibility may be allowed for multi-family properties if you plan to occupy one of the units
  • Flexible credit score & credit history requirements (Varies by program)
  • Property must be located in an eligible city/county/state depending on the target program
  • Must meet program income limits (Varies by program)
  • FHA, VA, USDA, and Conventional loans are eligible


  • You may qualify even if you are not a first-time home buyer (owned a home in the last 3 years)
  • Assistance may be repayable (fixed monthly payment) or be fully forgivable (no monthly payment)
  • Maximum assistance amount varies by program
  • Some DPA programs are designed for specific occupations including educators, health care workers, veterans & community protectors
  • You may need to complete a home buyer education course or counseling to ensure long-lasting homeownership success
  • Down Payment Assistance is available in every state! Contact your RWM loan officer now to learn more about your home loan options!

Down Payment

Get the keys to your new home sooner. Discover how our down payment assistance programs can make homeownership more accessible.

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Everyone on the team was really professional, helpful and dedicated to make the whole process as smooth as possible. Whenever we had a question or concern, we always received a prompt reply.

Andriry K.

Extremely responsive, website was brilliant, clear list of what we needed and stayed on us until it was complete, knew who to send us to for tax transfer from our previous house. We will definitely refer our friends and family…read more

Kirk C.

The communication on the process and the ability to sign documents electronically was a life saver. The availability and speed of answers were great.

Angelia B.

You helped me understand all my options, which made me feel more confident in the decision I had to make. You were on top of everything that had to be done and kept things moving in an efficient way... It…read more

Julie M.

The team was easy to work with and willing to answer all of my questions. They even worked with a notary in North Carolina so I didn't miss my vacation.

Melody T.

Everything was fully explained from the beginning, and I felt like we worked as a team when we went step by step in our journey of getting financed for our first home.

Ana E.

Buying a house can be overwhelming but when you have someone you trust it makes it so much easier. We felt assured that we were in good hands and that we would get to the finish line during the escrow…read more

Cassandra C.

Constant communication of needs and issues. Drafting of key documents in timely way. Friendly interactions and commitment to service.

Noah B.

Good communication, great staff and high level of professionalism.

James G.

The team was tremendously attentive to our every need and only had our goals and best interests in mind. Would work with them again anytime.

Brian S.


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