Buscador de asistencia para el pago inicial
Publicado Última actualización
Diez preguntas, unos noventa segundos. Comparamos sus respuestas con las reglas de elegibilidad publicadas de los programas de nuestra base de datos — agencias estatales de vivienda, fondos de ciudades y condados, y programas de prestamistas — y le mostramos los que vale la pena revisar, con la estructura de pago indicada con claridad en cada ficha.
Respuesta rápida: ¿Cómo encuentro programas de asistencia para el pago inicial?
Responda diez preguntas sobre su estado, condado, precio de compra, ingresos del hogar, tamaño del hogar y tipo de préstamo. El buscador compara sus respuestas con las reglas publicadas de los programas y muestra los que podrían corresponderle. No es una aprobación: la agencia administradora decide la elegibilidad.
Resumen
- Diez preguntas; los resultados se basan en reglas publicadas por las agencias.
- Se muestran programas estatales, de condado y municipales.
- La disponibilidad de fondos puede cambiar sin aviso.
- Originamos préstamos hipotecarios residenciales únicamente en Florida y Colorado; en los demás estados esta página es solo material de investigación.
Preguntas rápidas
- ¿Esto afecta mi crédito?
- No. El buscador solo compara sus respuestas con las reglas publicadas de los programas.
- ¿Qué recibo al final?
- Una lista de programas que podrían corresponderle, con la agencia, la estructura y la fuente oficial de cada uno.
Which state are you buying in?
Assistance is awarded by state, county and city — location is the single biggest filter.
Simply Approved Mortgages LLC arranges residential mortgage loans in Florida and Colorado only. We ask first so we never collect a mortgage inquiry we are not licensed to act on.
This tool is an educational research aid. It does not determine eligibility, and does not confirm that any program currently has funds. Program rules are set and changed by the administering agencies.
How down payment assistance helps you buy
Down payment assistance closes the cash gap between what a lender will lend and what a seller needs at the closing table. For most buyers it is the difference between purchasing this year and saving for another three to five. Terms and availability are set by each administering agency and can change or run out of funding without notice.
You buy years sooner
Saving a 5% down payment on a median-priced home usually takes several years. Assistance covers most or all of that gap now, so your timeline is set by your credit and income rather than by your savings balance.
Your own cash stays intact
Because the assistance funds the down payment and, on many programs, closing costs, your savings can stay where they belong — reserves, moving costs, and the repairs that show up in the first year.
Often no monthly payment added
Grants and forgivable or deferred second mortgages add nothing to your monthly payment. Only a repayable second creates a second monthly obligation, and every program card on this site states which structure applies.
It stacks with normal financing
Assistance attaches to a standard FHA, conventional, VA or USDA first mortgage originated by a lender approved for that program, so you are not trading away loan choice to use it.
What you have to meet
- Income limit
- Household or qualifying income must fall at or below a published cap, set by county and usually adjusted for household size. This is the most common disqualifier, so check it first.
- Purchase-price cap
- Most programs limit the acquisition cost of the home, and the cap can differ between new construction, existing homes and federally targeted areas.
- First-time buyer status
- Commonly defined as no ownership interest in a primary residence for the past three years. Veterans and targeted-area purchases are frequently exempt.
- Credit score
- Program minimums typically sit in the low-to-mid 600s, and the first mortgage carries its own minimum. The higher of the two governs your file.
- Owner occupancy
- The home must be your primary residence. Investment and second-home purchases are not eligible, and moving out during a forgiveness period usually accelerates repayment.
- Homebuyer education
- Most programs require an approved course certificate before closing. It takes a few hours online — take it early, because it is a hard closing condition.
- Participating lender and reservation
- Funds are delivered through the first mortgage and reserved by an approved lender, normally once you are under contract. Eligibility alone does not hold money; the reservation does.
A realistic timeline
- Week 1Check the county income and price limits, pull your own credit report, and start the homebuyer education course.
- Week 1–2Work with a lender approved for the specific assistance program you want to use to confirm your financing.
- Week 2–8Shop inside the program's eligible area and price cap, then write an offer that allows time for the assistance paperwork.
- At contractYour lender reserves the assistance funds while the file moves through underwriting.
- At closingFunds are wired to the closing agent and applied to your down payment and permitted closing costs — they are never paid to you as cash.
Timelines are illustrative and vary by program, lender and market. Nothing here is an offer of credit, an approval, or a guarantee of assistance eligibility, funding availability or any particular term.
Vea sus propios números
Herramientas gratuitas con límites actuales y sus propios datos. Los estimados son educativos, no ofertas de préstamo.
- Calculadora de asistenciaEstime cómo la asistencia podría cambiar el efectivo que necesita al cierre.Abrir
- Buscador de programasResponda unas preguntas y vea qué tipos de programa podrían corresponderle.Abrir
- Todas las herramientasLímites de préstamo, costos de cierre y más estimadores gratuitos.Abrir
¿Quiere una cotización personalizada?
¿Compra en Florida o Colorado? Pida una revisión de su escenario a un corredor hipotecario con licencia.
Revisión de octubre de 2026: el buscador de asistencia
Revisamos las preguntas de elegibilidad del buscador, la cobertura de programas estatales y locales y los límites de ingresos y de precio de compra en relación con esta página. Este mes no encontramos cambios materiales que exijan una revisión sustantiva. La información y las fuentes que se muestran siguen vigentes a la fecha de nuestra última revisión.
- Verificado: las preguntas de elegibilidad del buscador
- Verificado: la cobertura de programas estatales y locales
- Verificado: los límites de ingresos y de precio de compra
La revisión mensual programada de esta página está atrasada. La sección anterior refleja nuestra última revisión completada, no una nueva del mes en curso.
Datos actuales y actualizaciones de la página
- Última revisión de la página
- 27 de septiembre de 2026
- Última actualización sustantiva
- 27 de septiembre de 2026
- Próxima revisión programada
- 27 de octubre de 2026
- Revisión mensual actual
- octubre de 2026
- Fuente de datos en vivo
- No
This page is past its scheduled review date and is queued for the next review cycle.
Licencias y divulgaciones
Texto oficial en inglés:
Simply Approved Mortgages LLC | NMLS #2620881
Florida Branch Office (Miami, FL) | Branch NMLS #2688012
Florida Mortgage Broker License #MBR7685 | Colorado Mortgage Company Registration
Business Phone: (877) 813-7219
Equal Housing Opportunity
Broker identification. Simply Approved Mortgages LLC is a mortgage broker and is not a direct lender. We arrange residential mortgage loans with third-party lenders and do not make the lender's final credit decision or fund the loan. We arrange residential mortgage loans in Florida and Colorado.
Down payment assistance programs. Down payment and closing-cost assistance programs listed or referenced on this site may be administered by third parties, including state housing finance agencies, cities, counties, Federal Home Loan Banks, nonprofit organizations, lenders, and other program sponsors. Simply Approved Mortgages LLC does not administer, control, fund, or guarantee third-party assistance unless expressly stated otherwise.
Listing or displaying a program does not constitute an offer of that program, a representation that funding is currently available, or a determination that a borrower or property qualifies. Program availability, funding, assistance amounts, income limits, purchase-price limits, credit requirements, occupancy requirements, geographic restrictions, homebuyer education requirements, participating-lender requirements, repayment terms, and other eligibility criteria vary by program and may change or become unavailable without notice. Eligibility and current program terms must be confirmed for the particular transaction.
Types of assistance. Down payment or closing-cost assistance may be structured as a grant, forgivable loan, deferred-payment loan, repayable second mortgage or other form of assistance. Assistance structured as a lien or secondary financing may be subject to repayment, forgiveness, occupancy, resale, refinance, or other conditions. Assistance should not be considered "free money" unless the applicable program documents expressly provide that the assistance is a grant with no repayment obligation.
Receiving or potentially qualifying for down payment assistance does not guarantee mortgage approval, guarantee receipt of assistance, or necessarily eliminate all funds that a borrower may be required to contribute to a transaction.
Credit and program terms. All loans are subject to lender credit approval, underwriting, acceptable appraisal, title review, insurance, and supporting documentation. Eligibility, programs, rates, APRs, points, fees, payments, terms, loan amounts, down-payment requirements, and availability may vary based on borrower, property, occupancy, credit profile, loan-to-value ratio, debt-to-income ratio, lender, assistance program, and location and may change without notice. Not all borrowers, properties, products, or programs will qualify or be available in every location. Nothing on this site constitutes a loan approval, rate lock, offer, commitment to lend, guarantee of assistance, or guarantee of closing.
Rates, payments and calculators. Rates, APRs, payments, down payments, estimated assistance amounts, affordability, home prices, closing costs, savings, and other calculator or scenario results displayed on this site are estimates or illustrations unless expressly stated otherwise. Actual eligibility, assistance, and loan terms may differ. Taxes, homeowners insurance, mortgage insurance, association dues, lender charges, broker compensation, discount points, third-party charges, and other costs may apply. Advertised rates, payments, APRs, down payments, and other credit terms are subject to the assumptions and disclosures presented with the applicable advertisement.
Government affiliation. Simply Approved Mortgages LLC is not a government agency and is not affiliated with, acting on behalf of, sponsored by, or endorsed by HUD, FHA, VA, USDA, any housing finance agency, or any other federal, state, or local government agency. References to government agencies, housing authorities, assistance programs, data, forms, or resources are provided for informational purposes and do not imply sponsorship or endorsement of Simply Approved Mortgages LLC.
Fair lending. Equal Housing Opportunity. Simply Approved Mortgages LLC conducts business in accordance with applicable federal and state fair-housing and equal-credit-opportunity laws and does not discriminate on any prohibited basis.
No professional advice. Content on this site is educational and general in nature and is not legal, tax, accounting, financial, or investment advice. Borrowers should review the applicable program documents and consult qualified professionals regarding their individual circumstances.
Esta traducción al español se ofrece únicamente por conveniencia. La versión en inglés de nuestras divulgaciones, licencias, términos y documentos del préstamo es la versión que rige legalmente. La solicitud hipotecaria, las divulgaciones federales requeridas y los documentos de cierre se proporcionan en inglés.