Down Payment Assistance Loan
Down Payment Assistance Loan
Loan Program

Down payment help for buyers the rules leave out.

The Boost DPA program provides up to 5% of the home’s purchase price for down payment, closing costs, or rate reduction — without income limits, first-time buyer requirements, or the restrictions most DPA programs attach.

See my offer Calculate Payment
The Fundamentals

DPA without the usual fine print.

Most down payment assistance programs are built around strict borrower eligibility — income caps tied to the area median, first-time buyer requirements, geographic restrictions, mandatory homebuyer education courses. The rules exist for good reason, but they also leave out a lot of buyers who genuinely need the help.

Boost is a DPA program that works differently. Structured to follow FHA guidelines, Boost extends up to 5% of the purchase price and reaches buyers most standard DPA programs won’t. No income limits. No first-time buyer requirement. Funds can go toward the down payment, closing costs, or a temporary rate buydown. Forgivable and repayable options are available. It’s DPA built for the buyers the standard programs overlook.

See my offer
Program Options

Three ways Boost works for you.

Apply Boost funds where they matter most — down payment, closing costs, or rate reduction.

Most Popular

Boost Forgivable

Up to 5% assistance with a 5-year forgivable term. Zero interest, no monthly payments. Stay in the home for 5 years and the DPA is fully forgiven.

Flexible Term

Boost Repayable

10-year repayable option with amortization schedules of 10, 20, or 30 years. Lower or no upfront cost with predictable long-term payments.

Rate Reduction

Boost Rate Buydown

Apply Boost funds toward a temporary interest rate buydown — reducing your monthly payment in the early years when cash flow matters most.

Boost follows FHA underwriting guidelines. Program availability, terms, and LTV limits subject to borrower eligibility and lender approval. Temporary rate buydowns follow FHA buydown rules. All loans subject to credit and underwriting approval — and lender program eligibility.
Why Lendmire

DPA done right the first time.

Down payment assistance is a patchwork — every program has its own documentation, eligibility rules, and structuring quirks, and they change over time. Boost is one of several DPA programs we work with, and it’s often the right fit for buyers excluded by stricter programs. The value we bring is knowing which DPA program fits your scenario, how it pairs with your primary mortgage, and what the real costs are over time.

We handle DPA from eligibility review through closing. No confusion about whether Boost funds can cover your specific scenario, no surprises at the closing table about how the DPA layers with your primary loan. Just the right program, structured correctly, underwritten on time, and closed without drama.

Call (828) 256-2183
Program Highlights

Fewer gates, more access.

Up to 5% Assistance
Based on the home’s purchase price. Funds apply toward down payment, closing costs, or a temporary interest rate buydown.
No Income Limits
Unlike most DPA programs, Boost has no area median income cap — buyers across the income spectrum can qualify for the 5% assistance.
Not First-Time Only
Repeat buyers welcome. Boost extends to anyone meeting FHA guidelines — not just first-time homeowners.
FHA Compatible
Pairs directly with FHA loans. 96.5% LTV on the primary mortgage, plus Boost funds to cover the 3.5% minimum investment.
Also Consider

Programs worth comparing.

If Boost doesn’t fit — or you want to pair it with the right primary mortgage — these programs work alongside or in place of DPA.

Primary Mortgage

FHA Loan

The primary mortgage Boost pairs with. 3.5% down, flexible credit, and Boost funds cover the minimum investment requirement.

View Program →
Rural & Suburban

USDA Loan

If your home sits in a USDA-eligible area, USDA offers 100% financing — no DPA needed. Zero down with lower monthly MI than FHA or conventional.

View Program →
Military & Veterans

VA Loan

Eligible service members get $0 down financing through VA — no DPA required. Often better long-term economics than FHA + DPA.

View Program →
Learning Center

Know before you borrow.

Down payment assistance guides, FHA pairing strategies, and homebuying tips from our licensed loan officers.

Take the Next Step

Tools to move from reading to action.

Tool One

Payment calculator

Estimate your FHA payment with Boost DPA applied — principal, interest, taxes, insurance, and how Boost shifts your monthly cost.

Calculate Tool Two

See my offer

See your offer in seconds. No credit pull, no obligation.

Start Tool Three

Browse programs

See every loan program Lendmire offers — from DPA to conventional to DSCR — and find the right fit.

Browse
Get Started

See if Boost DPA fits your purchase.

See your offer in seconds. No credit pull, no obligation.

See my offer
Available In 16 States

Down payment assistance, state by state.

Assistance programs are set state by state and often city by city — eligibility, income limits, and property rules are local. Explore the options, the categories, and the scenarios for your state.