What is Down Payment Assistance?
Down Payment Assistance (DPA) programs are specialized financing solutions that help homebuyers cover part or all of their down payment and closing costs. At Roxford Holdings, our DPA programs offer up to 100% financing, meaning qualified buyers can purchase a home with zero out-of-pocket down payment.
Unlike government programs that often have strict income limits or geographic restrictions, our Down Payment Assistance programs have no income limits and no geographic restrictions — they are available nationwide. Credit scores as low as 580 are accepted, making this one of the most accessible homeownership programs available.
These programs work by combining a first mortgage with a secondary financing component that covers the down payment. The assistance may come in the form of a forgivable second mortgage, a grant, or a deferred payment loan. Our loan specialists will help you determine which DPA structure best fits your financial situation and homeownership goals.
How it compares: Down Payment Assistance programs differ from VA and USDA zero-down options by being available to all buyers regardless of military service or property location, with no income limits.
Who Qualifies for Down Payment Assistance?
How to Apply for Down Payment Assistance
Contact Roxford Holdings to determine your eligibility for DPA programs
Get pre-approved with combined first mortgage and down payment assistance
Complete required homebuyer education course (if applicable)
Find your home and make an offer with your 100% financing pre-approval
Close on your new home with zero out-of-pocket down payment
Key Features
Benefits
Requirements
Minimum credit score of 580
Primary residence purchase only
Homebuyer education course may be required
Property must meet program appraisal standards
Standard debt-to-income ratio requirements apply
Frequently Asked Questions
No, our down payment assistance programs are available to both first-time and repeat homebuyers. There are no restrictions based on previous homeownership.
No, our DPA programs have no income limits or restrictions. Buyers at all income levels can qualify based on creditworthiness and other standard lending criteria.
It depends on the program structure. Some DPA programs offer forgivable second mortgages that are forgiven after a set period, while others are structured as deferred payment loans or grants.
DPA programs are available for primary residence purchases including single-family homes, townhouses, condominiums, and some multi-unit properties (2-4 units) where you occupy one unit.
Ready to Get Started with Down Payment Assistance?
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"They explained to us in very detailed step by step information for first time house buyers."
Jessica A.
First Time Home Buyer
Roxford Holdings Inc
"Buying my first home was something I thought would be impossible, but Martin and his team made the whole process smooth and possible. I highly recommend working with him and his team, they really do make dreams come true."
Rigo D.
First Time Home Buyer
Roxford Holdings Inc
"Martin helped my husband and I refinanced our mortgage. We went to several locations; however, I'm glad we didn't settle. Martin was able to lower our interest rate. The process was fast and smooth; which, it is highly appreciated. Martin, is knowledgeable and respectful. Thanks Martin!!!!"
Araceli M.
Mortgage Refinance Client
Roxford Holdings Inc
"They explained to us in very detailed step by step information for first time house buyers."
Jessica A.
First Time Home Buyer
Roxford Holdings Inc
"Buying my first home was something I thought would be impossible, but Martin and his team made the whole process smooth and possible. I highly recommend working with him and his team, they really do make dreams come true."
Rigo D.
First Time Home Buyer
Roxford Holdings Inc
"Martin helped my husband and I refinanced our mortgage. We went to several locations; however, I'm glad we didn't settle. Martin was able to lower our interest rate. The process was fast and smooth; which, it is highly appreciated. Martin, is knowledgeable and respectful. Thanks Martin!!!!"
Araceli M.
Mortgage Refinance Client
Roxford Holdings Inc