Q&A · Down Payment Assistance
Do I have to pay back the down payment assistance?
Depends on the second lien's terms — read them before closing.
- Forgivable (V1-FAST 100 base): 0% deferred, forgiven over time while owner-occupied
- Deferred silent (MyHome): no payments until you sell, refinance, or pay off the first
- Repayable: monthly payments from day one — counts in your DTI
- True grants (1% down programs): never repaid
'Assistance' isn't one thing — the repayment terms define the real cost.
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 →