Certified Capital Home Loans Inc.
(657) 390-0450

Down Payment Assistance

Down Payment Assistance Programs (DPA) are offered by Certified Capital Home Loans to advance our clients into the wealth building benefits of home ownership without waiting to save for the down payment.  

The down payment assistance program is either a grant or a second mortgage that addresses the 3% down payment requirement for a conventional loan, or the 3.5% down payment requirement for a FHA loan.  Certified Capital Home Loans has excellent down payment assistance options, to include grants that don't require repayment, silent second down payment assistance that doesn't require a monthly payment (excellent for qualification purposes), and even a silent forgivable second that has no monthly payment and the balance is 'forgiven' so no repayment is needed after 3 years.  Call or click us today to get qualified today for home purchase without a down payment.

  • Down payment assistance (DPA) programs are offered by various government and private entities, and Certified Capital Home Loans has knowledgeable and experienced mortgage experts to guide you every step of the way.  The programs are designed to increase home ownership, so the various down payment assistance programs have user friendly guidelines so that more applicants become preapproved home buyers without waiting to save for the down payment.  Call or click Certified Capital today.


A Down Payment Assistance program can be used to finance your personal residence.  A down payment assistance program can be used with any property type that a conventional or FHA first mortgage allows.

  • Countless benefits of qualifying for a down payment assistance program.  First, you don't have to wait years with the challenging endeavor of trying to save up for a home purchase down payment.  You can participate in the wealth building benefits of real estate ownership today!  Additionally, depending on the down payment assistance program that you qualify for, you likely won't have a monthly payment to make on the down payment second mortgage (silent second), and even better you might not even have to pay it back if you stay in the program for 3 years.  Call or click Certified Capital Home Loans today so we can explore down payment assistance for your home purchase

Simple, call or click us today.  We have a seamless, quick process to gather the necessary information to see if you qualify today for a conventional or FHA home purchase first mortgage along with the down payment assistance program to get you into the home owner category! 

No, these coveted programs are only for first time home owners.

  • Not necessarily a disadvantage, but some of the available down payment assistance programs limit a borrower's debt to income ratio (DTIR) to a lower percentage than the conventional or FHA first mortgage might allow.  This guideline in beneficial because it ensures affordability, however, it can come with less purchasing power (qualify for less purchase amount).