Calculadora de asistencia para el pago inicial
Publicado Última actualización
Estime cuánto efectivo necesitaría al cierre con y sin asistencia, y compare cómo cambia su pago mensual según la estructura del programa. Las cifras son ilustraciones educativas: no son una cotización, un bloqueo de tasa ni un compromiso de prestar.
Respuesta rápida: ¿Cuánta asistencia para el pago inicial podría recibir?
La calculadora estima el monto de asistencia, el efectivo que necesitaría al cierre y el efecto de una segunda hipoteca según la estructura del programa. Las cifras son ilustrativas y educativas: no son una cotización, un bloqueo de tasa ni un compromiso de prestar.
Resumen
- Compare subvención, condonable, diferida y pagadera.
- Las cifras son estimaciones educativas.
- La agencia del programa fija los montos reales.
Preguntas rápidas
- ¿Esto es una cotización?
- No. Es una ilustración educativa; todos los préstamos están sujetos a evaluación y aprobación del prestamista.
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.
Amount calculator
- 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.
¿Quiere una copia de estas cifras? Se las enviamos por correo junto con los programas de asistencia de su estado.
Eligibility checker
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.
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.
For informational and illustrative purposes only.
The figures produced here are estimates generated from the numbers you entered. They are not a loan offer, pre-approval, approval, commitment to lend, rate quote or rate lock, and they do not guarantee any loan term, payment or amount of assistance. Your actual figures depend on lender underwriting, program rules, property, credit profile and the pricing available on the day you lock.
This estimate excludes property taxes, homeowners insurance, mortgage insurance, HOA dues, closing costs unless the tool states otherwise, so your real monthly cost and cash to close will be higher.
Simply Approved Mortgages LLC | NMLS #2620881 | Florida Mortgage Broker License #MBR7685 | Colorado Mortgage Company Registration | Equal Housing Opportunity. Residential mortgage loans are arranged in Florida and Colorado only.
Siga planeando
- Todas las herramientas y consultas — límites de préstamo por condado, costos de cierre y capacidad de pago.
- Buscador de asistencia — diez preguntas para ver qué programas podrían corresponderle.
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: la calculadora de asistencia
Revisamos los avisos de las agencias administradoras, los límites de ingresos y de elegibilidad publicados y los datos federales de vivienda e hipotecas 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: los avisos de las agencias administradoras
- Verificado: los límites de ingresos y de elegibilidad publicados
- Verificado: los datos federales de vivienda e hipotecas
- Fuentes:
- U.S. Department of Housing and Urban Development (HUD)
- Datos verificados por última vez:
- 2026-01-01
- Año de los datos:
- 2026
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
- Datos verificados por última vez
- 1 de enero de 2026
- Año de los datos vigentes
- 2026
- Fuentes principales
- U.S. Department of Housing and Urban Development
- 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.