Q&A · Down Payment Assistance
Can I refinance a home I bought with down payment assistance?
Yes — but the second lien has to be addressed.
- Forgivable seconds: refinancing may trigger the repayment event — check forgiveness timing first
- Silent seconds: typically must be paid off or subordinated at refinance
- Repayable seconds: roll into the payoff like any lien
Run the math before refinancing: paying off a 0% deferred second early can cost more than it saves.
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 →