Welcome to My Home Down Payment
My Home Down Payment
is a directory of down payment assistance programs for low-to-moderate income families.
Programs
are listed and described for national low and zero down payment first mortgages; and for California and Texas down payment and closing costs assistance programs.
Resources
for first time homebuyer classes, energy efficiency, environmental and affordable housing programs and initiatives are also included.
The Site Map
on the left hand side of each page lists all programs. Scroll down to the end of the Site Map for California and Texas down payment assistance programs or use the menu bar at the top and bottom of each page.
First mortgage programs - HUD, FHA, VA, Rural Development, Fannie Mae, Freddie Mac and Habitat for Humanity
are available nationwide. This is a good starting place. Your mortgage loan officer or real estate professional can assist with information on compatible first and second mortgage down payment assistance loans, grants and silent second mortgage programs.
The center column
of each page contains information on specific programs.
Learning the language
of home purchasing will increase your understanding of the process. The Mortgage Glossary contains terms you'll hear your real estate agent and loan officer use and see on your loan application and closing documents.
County charts
comparing down payment assistance programs city by city are also shown in the center column, with links to each city.
City pages
show all down payment assistance programs, local first time homebuyer classes, local environmental, energy efficiency, green programs, and additional resources to make your home buying as informative as possible.
Sponsors and advertisers
shown in the right hand column. We've taken care and time to ensure that these businesses are responsive to the needs of low-to-moderate income families interested in purchasing a home.
"52 Weeks Home"
our blog, is based on the FHA mortgage loan requirement of one year positive credit history. Useful articles on homebuying are included here.
Tools:
FICO® Quarterly Monitoring 
Monthly Budget
Mortgage Payment Calculator
Links:
FHA 3% Guaranteed Home Purchase Program web site
HUD - First Time Home Buyers
FHA Mortgage Limit Table
HUD Approved Housing Counseling Agencies
HUD Healthy Homes Page
HUD Homes for Sale
HUD
FHA
Veterans Administration
Rural Development
Fannie Mae
Freddie Mac
Habitat for Humanity
Resources:
NeighborWorks
Consumer Guide to Energy Efficiency
Recycling Centers
Farmers Markets
Green Building
For Professionals
Lender Manual
Lender Training
Lead Program
California Association of Realtors Diversity Programs
Blog:
52 Weeks Home
