Site directory

Every page on this site in one list: the finder and calculators, the program directory, all Florida and Colorado county and city pages, the state hubs, the guides and the trust and licensing pages.

Quick answer: What's in the site directory?

The directory is a human-readable index of every published page: assistance programs, state hubs, county and city pages, guides, calculators and policy pages. It exists so you — and search engines — can reach any page on this site in one or two clicks.

TL;DR

Every published page, grouped by section.
Kept in sync with the sitemap.

Quick questions

How is this different from the sitemap?: The sitemap is for crawlers; this page is the readable version of the same list.

Published August 31, 2026Last updated September 4, 2026

Reviewed September 2026

Written and reviewed by the Simply Approved Mortgages Team at Simply Approved Mortgages LLC, NMLS #2620881.Verify on NMLS Consumer Access

How this site is organised

Everything on this site sits in one of six groups: the finder and tools you use to test your own numbers, the program directory that holds each assistance program and its administering agency, the local pages for our licensed Florida and Colorado footprint, the state hubs that cover the rest of the country as research, the guides that explain how liens and limits actually behave, and the trust pages that show where our data comes from.

If you know the county you are buying in, start with the local pages. If you know the program name, start with the directory. If you are still working out whether assistance is realistic at your income, start with the tools.

What we publish for each market

County pages in Florida and Colorado carry the current FHA one-unit loan limit for that county, the local assistance programs we track, sourced county market data where a public dataset covers it, and links down to the cities inside that county. City pages carry the same structure at market level.

State hubs outside Florida and Colorado are research-only: agency programs, how the state's assistance is structured, and a notice that we cannot originate, solicit, arrange or broker a residential mortgage loan for a property in that state.

Main sections

DPA Finder
Ten questions matched against every program we track.
Program directory
Every assistance program, with its administering agency.
Tools and calculators
Limit lookups, cash-to-close and eligibility tools.
Assistance calculator
What a grant, deferred or repayable second costs you.
Florida and Colorado local pages
County and city hubs across our licensed footprint.
State hubs
Housing finance agency programs state by state.
Guides
Long-form guides on limits, liens, pairing and timelines.
Guides by occupation
Teachers, first responders, nurses, veterans and more.
Compare structures
Grants and seconds side by side over three, five and ten years.
Program change log
Dated record of every change we make to a program record.
Data and sources
Every dataset, its publisher and its refresh schedule.
DPA FAQ
Straight answers to the questions buyers ask most.
Glossary
Every term you will meet in a program document.
About us
Who we are, how we research, where we are licensed.
Partners
Agents, builders and housing counselors.
Contact
Offices, phone and how to reach a loan officer.

Florida counties (67)

Florida city markets (66)

Colorado counties (64)

Colorado city markets (53)

Guides and audience pages

Directory questions

What is this directory page for?

It lists every section of this site in one place, so you can reach any county page, program page, guide or tool without hunting through the menu. It mirrors our XML sitemap in human-readable form.

Why are only Florida and Colorado counties listed individually?

Those are the two states where Simply Approved Mortgages LLC is licensed to arrange residential mortgage loans, so those markets get county and city pages with local limits and program tables. Other states have a state hub with research only.

How often is this directory updated?

Automatically. It is generated from the same registries that build the navigation and the XML sitemap, so a new county, program or guide appears here as soon as it is published.

Monthly review

September 2026 Down Payment Assistance Site Directory Review

We reviewed county and city page coverage across the licensed footprint, hub and tool link inventory and guide and audience page inventory relevant to this page. No material changes requiring substantive revisions were identified this month. The information and sources shown here remain current as of our latest review.

Checked: county and city page coverage across the licensed footprint
Checked: hub and tool link inventory
Checked: guide and audience page inventory

Current data & page updates

Page last reviewed: September 4, 2026
Page last substantively updated: September 4, 2026
Next scheduled review: October 4, 2026
Current monthly review: September 2026
Live data feed: No

Licensing & Disclosures

Simply Approved Mortgages LLC | NMLS #2620881

Florida Mortgage Broker License #MBR7685 | Colorado Mortgage Company Registration

Simply Approved Mortgages LLC is a mortgage broker and is not a direct lender. We arrange residential mortgage loans in Florida and Colorado.

Eligibility, terms, conditions, and availability vary by borrower, property, lender, loan program, and state. Not all products or programs are available in all states. All loans are subject to lender underwriting and approval. Equal Housing Opportunity.

Verify our license on NMLS Consumer Access

DPA amount calculator and eligibility checker

Estimate your assistance amount, the second-lien payment and where you stand against the program rules. Illustrative only — not a quote, offer or commitment to lend.

Simply Approved Mortgages DPA

DPA amount calculator & eligibility checker

Estimate 3.5% assistance on the lesser of price or appraisal, layered over a 30-year fixed FHA first mortgage.

Estimated DPA

$14,000

3.5% of $400,000

2nd-lien P&I

$174

10-yr · 8.500%

Amount calculator

Purchase priceAppraised value

Assistance tier

Illustrative 1st-mortgage rate (%)Used only to show the 2nd-lien rate (1st + 2%). Not a quote.

Lesser of price or appraisal: $400,000
DPA at 3.5%: $14,000
2nd-lien term: 10-year fixed, repayable
2nd-lien rate: 8.500%
Monthly P&I: $174/mo

Illustrative only — not a quote, lock, offer, or commitment to lend. Binding figures appear only on your Loan Estimate and Closing Disclosure.

Eligibility checker

Credit score580+ required.Occupancy

State you're buying inProperty type

Documentable qualifying income?

Willing to complete homebuyer education before closing?

Property in NY, WA, USVI, Guam, MP, or AS?

Answer each question above to see your preliminary result.

Talk to a Loan Officer →

Preliminary self-check only. Not a quote, lock, offer, or commitment to lend. Simply Approved Mortgages is not affiliated with HUD, FHA, VA, USDA, FHFA, or any government agency. Equal Housing Opportunity. NMLS# 2620881.

Keep reading

Related pages on down payment assistance, local markets and the numbers behind each program.

Our own down payment assistance program — up to 5% toward your primary home

Simply Approved Mortgages LLC · NMLS# 2620881

In addition to matching you with agency programs, we offer our own assistance program, provided through our wholesale lender partner and arranged by Simply Approved Mortgages: up to 5% of the lesser of the purchase price or appraised value, structured as a repayable 10-year fixed second mortgage on a qualifying primary residence. It layers with FHA 203(b) or FHA 203(k) purchase first mortgages only, and the second lien is priced at the first-mortgage rate plus 2.00%. It is fully amortizing — not a grant and not forgivable — so your Loan Officer will show a side-by-side comparison before you commit.

Offered through our wholesale lender partner

Up to 5% of the lesser of purchase price or appraised value

Repayable 10-year fixed second mortgage

Layers with FHA 203(b) or FHA 203(k) purchase first mortgages

Second-lien rate = first-mortgage rate + 2.00%

Fully amortizing — not a grant and not forgivable

Qualifying primary residence only

Down payment assistance changes fast. Stay ahead of it.

New funding rounds, closed programs, and updated income and price limits for Florida and Colorado buyers — in one short email each month.

Licensing notice: Simply Approved Mortgages LLC arranges residential mortgage loans in Florida and Colorado only. The briefing and this website are educational content — not an offer, solicitation, advertisement of credit terms or commitment to lend, and no mortgage services are offered in states where we are not licensed.

A directory is a coverage audit you let buyers read

We keep a human-readable index of every page because it exposes gaps we would otherwise miss — a county with no city markets, a program with no guide behind it, a tool nobody links to. Buyers use it to jump straight to their county; we use it to see whether our Florida and Colorado coverage is actually even.

Takeaway: Jump to your county page first — it carries the limits and local funds that decide your file.

The only way to know which program, down-payment structure, and closing-cost strategy actually fits your file is to walk through it with a Simply Approved Mortgages Loan Officer who can compare the real numbers side-by-side on a Loan Estimate.