Need A Down Payment  to Buy a Home?

Down Payment Home Progam

We'll cover your down payment for you! 

Our Black Down Payment Home program covers up to 3.5% of your down payment. You get a 
10-year private loan that covers the down payment needed to purchase a home. 

No initial down payment required from the buyer. With options for both Conventional and FHA loan types, what are you waiting for?*

*Loan program terms and conditions are subject to change at any time without notice. The borrower is subject to loan program qualifications and may not be approved. Not offered in all states. 

Lending With A Purpose

The American Dream
Up To 3.5%

Provide a down payment up to 3.5%

Instant Equity With
A Grant

Keep money in clients’ pockets.

Down Payment Home For Us

The American Dream, Now Possible For All

What We Do

The cost of living is always on the rise and income is stagnant, so we know you need new solutions. Black Down Payment is here to give you that solution with up to 3.5% down-payment for new home owners.

DP Funds

 Down Payment funds are provided to homebuyers through private Funds. These down payment funds are offered through  the correspondent lender Funds.


Black Down Payment Fund is not a mortgage lender, rather, a provider of funds to make this program possible. Through one of our approved correspondent lenders.

BLACK DP Program Benefits


Down payment assistance programs for eligible first-time home buyers and repeat buyers includes, forgivable loans, deferred-payment loans and low-interest loans. 

We Home buyers no longer need a 20% down payment to buy a home. You can buy a home with a conventional loan for 3% down. And you may even be able to buy a home with no money down if you qualify for a VA or a USDA loan.


Single Family Residences
2 units – LLPA applies
Condominiums – Must be FHA Approved
Double wide manufactured housing 

Down Payment Home Grant's ​​​​​​

The Black Down Payment is dedicated to helping Black families achieve homeownership by providing down payment assistance for FHA and conventional mortgage loans. Despite the Fair Housing Act of 1968, the homeownership gap between Black and white families remains significant, with only 44% of Black families owning homes compared to 73.7% of white families, according to the US Census. Racial discrimination and the challenge of securing a large down payment contribute to this disparity. Our mission is to support moderate and low-income Black families through a variety of programs that make homeownership affordable and sustainable.