First Time Home Buyer

Down payment assistance vs gift funds: compare grants, second loans and family gifts side by side. See which fits your file and talk to Lendmire.

Down payment assistance can you get? See how grants and second liens work with FHA, USDA and HUD-184, then ask Lendmire to compare options for your purchase.

Learn how to qualify for down payment assistance when you’re self-employed: income, documents and structures. Talk to Lendmire to compare your options.

Compare grant, forgivable and repayable down payment assistance seconds: payments, balloon, debt ratios. See how Lendmire arranges FHA, USDA and HUD-184 files.

Learn conventional loan requirements for a down payment assistance second lien and how FHA, USDA and HUD-184 differ. Contact Lendmire to compare options.

Does a down payment assistance second mortgage count against your DTI? See which shapes add a payment and which don’t. Call Lendmire to compare options.

Grant forgiven differently than a forgivable second mortgage? See how each works, what triggers repayment, and ask Lendmire to compare options for your home.

Does a grant or second mortgage DPA raise your monthly payment? See which structures add a bill and which don’t, then ask Lendmire to compare options.

See how a deferred second mortgage hits your DTI with down payment assistance, which structures add a payment, and compare options with Lendmire today.

FHA loan CLTV and second lien rules explained: how grants and seconds count, what to expect, and how Lendmire can help you compare options. Ask today.

First-time-only assistance ties eligibility to buyer history, most often a three-year ownership lookback.

Repeat Buyer Get Down Payment Assistance — Yes, a repeat buyer can get down payment assistance on a primary home.

Does a grant or repayable second skip the occupancy requirement? No. Learn why, and how Lendmire can help you compare FHA, USDA and HUD-184 assistance options.

A forgivable second is a real loan that disappears if the buyer keeps making on-time payments on the first mortgage long enough.

Those remaining structures — including forgivable and repayable second liens — carry no first-time requirement at all.