Down Payment Assistance

A DPA loan provides invaluable assistance, so you can experience the ease of homeownership without the traditional high hurdles of down payment and closing costs.

Help With Buying

One of the most significant homeownership barriers is often the down payment. DPA loan programs step in to help by providing funds specifically designated for this purpose.

Less Stress

Saving up for a down payment can take years, especially for first-time buyers or those with limited financial resources. DPA programs alleviate this by providing the funds upfront, so you can purchase sooner and without draining your savings.

Potential Reduced Rates

Some DPA programs offer loans with below-market interest rates or even forgivable loans, which means you might not have to pay back certain portions of the assistance if you meet specific conditions. Saving on your mortgage payments in the long run!

Help With Closing

As well as down payment assistance, many DPA programs also help with closing costs. These costs, which include fees associated with the mortgage transaction, can add up to several thousand dollars.

Financial Flexibility

Depending on the program, you might not have to pay back the assistance right away allowing you to focus on making your mortgage payments without the added pressure of repaying the down payment assistance immediately. If you meet certain conditions, you may not have to pay it back at all.

Opportunity to Build Wealth

Homeownership is a key to financial freedom. By purchasing a home, perhaps only made possible by DPA programs, you unlock the opportunity to build equity as your property appreciates in value. Giving you a valuable asset and greater financial stability.

Ready for your dream home?

The door could open sooner than you expect.

Say goodbye to saving for ages and hello to your new home!

Cindy Regan - Originating Branch Manager - NMLS #264375

The Lending Authority Team - Hancock Mortgage -Powered by City First Mortgage Services LLC - NMLS #3117

Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. The Lending Authority Team powered by City First Mortgage Services is not an agency of the Federal Government, and is not acting on behalf or at the direction of HUD/FHA.

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Cindy Regan - Originating Branch Manager - NMLS #264375

The Lending Authority Team - City First Mortgage Powered by Gold Star Financial Group

NMLS #3446

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Gold Star Mortgage Financial Group, Corporation (NMLS ID #3446) is an Equal Housing Opportunity lender and FHA-approved lender. Gold Star Mortgage Financial Group, Corporation is a California financial lending institution licensed by the California Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Gold Star Mortgage Financial Group, Corporation is not the FHA or any other government agency. The FHA does not directly originate, underwrite, service, or guarantee any residential mortgage loan. Not all products are available in all states.

Gold Star Mortgage may choose to recommend Modern Title Group LLC (at times, d/b/a Gold Star Close) or Radiant Insurance, LLC. Gold Star Mortgage has a direct or indirect financial or ownership interest in Modern Title Group LLC (at times, d/b/a Gold Star Close) and Radiant Insurance, LLC. You are not required to use either Modern Title Group LLC (at times, d/b/a Gold Star Close) or Radiant Insurance, LLC.