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Asistencia para el pago inicial por estado

Publicado Última actualización

Cada estado tiene una agencia de financiamiento de vivienda con sus propios programas, y muchas ciudades y condados añaden fondos locales que se pueden combinar. Elija su estado para ver los programas que seguimos, con sus reglas publicadas y la fuente oficial de cada uno.

Respuesta rápida: ¿Qué asistencia para el pago inicial hay en mi estado?

Cada estado tiene una agencia de financiamiento de vivienda con programas estatales, y muchas ciudades y condados añaden fondos locales que se pueden combinar. Los límites de ingresos y de precio de compra se publican por condado y cambian cada año.

Resumen

  • Programas estatales y locales se pueden combinar en muchas zonas.
  • Los límites se publican por condado.
  • Originamos préstamos hipotecarios residenciales únicamente en Florida y Colorado; en los demás estados esta página es solo material de investigación.

Preguntas rápidas

¿En qué estados originan préstamos?
Simply Approved Mortgages LLC tiene licencia en Florida y Colorado únicamente.
Revisión mensual

Revisión de septiembre de 2026: la cobertura estatal 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), HUD, HUD — CHUMS forward limits file
Datos verificados por última vez:
2026-01-01
Año de los datos:
2026

Datos actuales y actualizaciones de la página

Última revisión de la página
1 de septiembre de 2026
Última actualización sustantiva
1 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, HUD, HUD — CHUMS forward limits file
Próxima revisión programada
1 de octubre de 2026
Revisión mensual actual
septiembre de 2026
Fuente de datos en vivo
No

Licencias y divulgaciones

Simply Approved Mortgages LLC | NMLS #2620881

Florida Mortgage Broker License #MBR7685 | Colorado Mortgage Company Registration

Simply Approved Mortgages LLC es un corredor hipotecario (mortgage broker) y no es un prestamista directo. Gestionamos préstamos hipotecarios residenciales en Florida y Colorado.

La elegibilidad, los términos, las condiciones y la disponibilidad varían según el prestatario, la propiedad, el prestamista, el programa de préstamo y el estado. No todos los productos o programas están disponibles en todos los estados. Todos los préstamos están sujetos a la evaluación y aprobación del prestamista. Igualdad de Oportunidad en la Vivienda.

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.

Verifique nuestra licencia en 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

Assistance tier
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

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.

Simply Approved Mortgages In-House DPA

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
See if you qualifyTalk to a Loan Officer

Program at a glance

Assistance
Up to 5%
Where
FL & CO*
Min credit
580
First-time buyer
Not required

*Our wholesale lender partner offers this product nationwide, but Simply Approved Mortgages LLC is licensed to arrange residential mortgage loans in Florida and Colorado only, so we can originate it in those two states only. Outside Florida and Colorado this is educational information and you should work with a lender licensed in your state.

How it works

1. Find the assistance you qualify for

Answer ten short questions and our DPA matching tool screens your location, income, price range, credit band and first-time buyer status against every state, county and city program we track.

2. A licensed loan officer reviews it with you

A Simply Approved loan officer confirms which programs your file can actually use, how each one is structured, and what it means for your monthly payment and closing costs.

3. Pair assistance with your first mortgage

Assistance is delivered through an approved first mortgage. We arrange the FHA, conventional, VA or USDA loan underneath it and reserve the assistance funds once you are under contract.

4. Funds arrive at closing

The assistance is wired to the closing agent and applied to your down payment and, where the program permits, closing costs — so your own savings stay where they belong.

Repayment: The second lien is a recorded lien with a monthly payment that is underwritten into your debt-to-income ratio. Layered DPA affects your final rate and mortgage insurance; your Simply Approved Mortgages Loan Officer will disclose the side-by-side comparison before you commit. Program terms, income limits, funding availability and eligibility requirements are subject to change without notice and must be confirmed in writing. Nothing here is an offer of credit, an approval, or a guarantee of eligibility, funding or any particular term. All loans are subject to lender underwriting and approval. Equal Housing Opportunity.

Free monthly briefing

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.

Comentario de nuestro equipo

Comentario del equipo de Simply Approved Mortgages, publicado en inglés.

National research, licensed advice in two states

We track assistance programs nationwide because buyers research widely, but Simply Approved Mortgages LLC originates residential mortgages only in Florida and Colorado. Outside those states these pages are informational and we point you to the administering agency instead.

Takeaway: Use these pages for research; contact a lender licensed in your state to apply.

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.

Commentary from the Simply Approved Mortgages Team at Simply Approved Mortgages LLC, NMLS #2620881. Verify on NMLS Consumer Access