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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 you 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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