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Find A Down Payment Assistance Program

Is a down payment keeping you from purchasing a home?

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Down Payment Assistance Can Help

Up to 7% Assistance

Helps homebuyers in California purchase a home by providing down payment and/or closing cost assistance (DPA), up to 7% of the First Mortgage Loan amount.

First Time Buyers & More

Home buyers do not have to be a first-time home buyer to qualify. The GSFA OpenDoors Program is available to all home buyers.

FHA Loans + More

Conventional, FHA, VA, and USDA 30-year mortgages are all options with down payment assistance.

Less Than Perfect Credit

As low as a 620 credit score is required for down payment assistance.

How it works

first Share a few details
first Low down
first Hi, I'm Troy, your loan officer, How can I help?
first Share a few details
first Low down
first Hi, I'm Troy, your loan officer, How can I help?
1

Choose your best option

It all starts her by choosing the best down payment assistance option that fits your home purchase plan.

2

Compare down dayment options

We will provide you an easy to follow estimate with loan program, down payment assistance, interest rate, monthly payment and cash to close.

3

Painless pre-approval

Once you know your options you sumbit an application to become pre-approved.

Find My DownTM

Takes two minutes. Won't affect your credit score.

Frequently asked questions

Q: How does a home buyer qualify for low down payment assistance programs?
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Buyers must have qualifying income, meet at least 620 credit score and occupy as primary residence. Ask your loan officer for additional qualifications.

Q: How much do I get with down payment assistance?
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Your down payment assistance depends on which program you qualify for and which program fit you best. Down payment assistance programs have income limits, but do not worry we can review all loan program options with you.

Q: Do you offer a FHA Loan with down payment assistance?
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Yes, FHA is an excellent choice. We also offer Conventional, VA, and USDA 30-year mortgages. Each loan program have differnt guidelines.

Q: Can down payment assistance really help me buy a home?
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Yes, we help home buyers every day to cover down payment and closing costs, help buyers achieve their goal of purchasing a home.

Q: Do I have to pay back down payment assistance?
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The DPA Second Mortgage provided through the GSFA OpenDoors Program has a repayment requirement. The Deferred DPA Second Loan has a 30-year term and a zero percent note rate. It accrues no interest, has no monthly payments, but is due and payable upon sale, refinance or payoff of the First Mortgage. Any DPA provided as a Gift, does not have to be repaid.

Q: What is the first step to take advantage of down payment assistance programs?
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Start with “FIND MY DOWN” answer the questions, connect with our down payment assistance specialist and have your options emailed to you.

Get started in minutes

Speed matters. Which is why you can start your estimate today. Without affecting your credit score.

Find My DownTM

Won't affect your credit score.

Guild Mortgage Company is an Equal Housing Lender; Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act. OR ML-176; Georgia Residential Mortgage Licensee; GA #6268; NV Banker #1076/NV Broker #1141; AZ BK #0018883; Licensed by the Mississippi Department of Banking and Consumer Finance. Illinois Residential Mortgage Licensee. Kansas Licensed Mortgage Company. Rhode Island Licensed Lender. Licensed by the New Hampshire Banking Department.

http://www.nmlsconsumeraccess.org/ Company NMLS ID 3274. All information, loan programs & interest rates are subject to change without notice. All loans subject to underwriter approval. Terms and conditions apply. Always consult an accountant or tax advisor for full eligibility requirements on tax deduction. Guild Mortgage Company is an Equal Opportunity Employer. Guild Mortgage Company 5898 Copley Drive San Diego, CA 92111 | State of Missouri Principal Location: 11730 Fenpark Drive, Suite 1003, Fenton, MO 63026.