PRMG offers 200+ standalone down payment assistance programs across the country, plus we cross-reference Down Payment Resource and Freddie Mac's DPA One database to make sure no available program gets missed. The best fit depends on your income, credit profile, property location, and timeline.
We maintain our own continuously-updated database of standalone down payment assistance programs PRMG is approved to originate. Search by your state and city or county to see what may apply to you.
A general database search is a starting point. Income limits, credit overlays, and program funding cycles change often. Send the form below and we will return the programs that fit your specific situation, plus a side-by-side payment comparison.
The biggest reason buyers think they can't afford a home is the down payment. But the State of California, county housing authorities, and lender-funded programs offer real assistance, sometimes covering the full down payment and a portion of closing costs.
Each program is built with a specific buyer in mind, so the strategy is picking the one whose eligibility and structure best match your income, credit, county, and first-time buyer status. Every program on this page is a complete path on its own with a matched first mortgage. For eligible Sacramento buyers, one documented California combination is available: a SHRA CalHome or PLHA second paired with a CalHFA FHA or conventional first mortgage. Outside that specific pairing, the win is matching yourself to the right single program. That is what this finder is built to help you do.
That is where the strategy piece matters. We review the programs daily and can tell you which ones are still funded, which lender overlays apply, and which single program path may fit your file.
Do I need to be a first-time buyer?
For most programs, yes, but "first-time" usually just means you haven't owned in the last 3 years.
Do I have to pay the assistance back?
Some programs are forgivable, some are deferred (no payment until sale or refi), and some are silent seconds with no monthly payment.
Can I use DPA with FHA, VA, or conventional?
Yes. DPA programs are designed to pair with a first mortgage, most commonly FHA, VA, USDA, or conventional. The specific pairings allowed depend on each program's guidelines. We can walk you through which combinations may fit your scenario.
Will DPA delay my closing?
Done correctly, no. We submit DPA paperwork in parallel with the main loan file.
Verify current guidelines, income limits, purchase price limits, and funding availability directly with the issuing agencies. Programs are real, but they have to be matched carefully to the buyer, property, county, income limits, and current funding availability.
Source materials are publicly available agency and government resources. Program availability and guidelines may change. Always verify current guidelines with the agency or with Ken Clark Jr. before relying on them for a transaction.
Sources consulted: HUD.gov, VA Home Loans, CalHFA, GSFA, NJHMFA, Freddie Mac DPA One, Down Payment Resource, NMLS Consumer Access.
All program references on this page are based on publicly available agency guidelines as of the last-reviewed date. Program availability and guidelines may change. PRMG must be approved for a program before originating it. Final eligibility depends on credit, income, assets, property, occupancy, and underwriting.