Q&A · Down Payment Assistance
Do I need to be a first-time buyer?
Usually not.
- FHA 100% Combo / V1-FAST 100: no first-time-buyer requirement
- 1% Down Grant / Community 1% Down: no first-time-buyer requirement
- CalHFA: yes, first-time buyer required in California
'First-time buyer' generally means you haven't owned a primary home in the last 3 years — not that you've never owned.
Want to see if you qualify? Send the 60-second eligibility form — your state, income range, and credit estimate. We'll match you to every program that actually fits. Check my eligibility →