Downpayment Assistance (DPA)

Matrixes to provide ALL Downpayment Assistance  

One of the greatest needs for clients is downpayment assistance (DPA). Because this website caters to ALL loan originators, whether you work at a bank, credit union or as an independent loan originator, it was important to provide a comprehensive list of ALL known programs. Lists are searchable and programs in your client's area can be searched by words such as their city, county, SHIP or state.

Three lists are provided:

  1. Florida City/County (SHIP) and State DPA Programs (Florida only)

  2. Proprietary Wholesaler Programs (in and outside of Florida)

  3. Chenoa Funds (in and outside of Florida)


The city/county (SHIP) and state programs on this site are for Florida but the wholesaler programs are available in other states as well. Wholesaler programs are available to independent loan originators, or mortgage brokers. Your mortgage company must be approved with the wholesaler for these programs.

Not all DPA programs are the same. Check both 1st mortgage and 2nd loan guidelines to make sure that your client meets both sets of criteria!

  • 2nd loans can be mortgages or grants. Some have criteria for when loan can be forgivable. Some programs are combined 1st and second mortgages. 

  • Almost all programs have an income cap. The income caps can vary from program to program. Some income caps only apply to the qualifying borrower rather than the family size.

  • 2nd loan ratios are often different than the 1st mortgage ratios. Some 2nd loan payments must be included in qualifying ratios. Credit scores can vary between programs. 

  • For wholesalers that provide combined 1st mortgage and 2nd loans, an automated underwriting approval (AUS) from Fannie Mae, Freddie Mac or either is often required. check guidelines.

  • For city and SHIP programs, call considered programs to make sure funds and underwriting are available! Quite a few programs aren't available at present due to office closures because of Covid 19!

  • Some programs require that the client, loan originator and real estate agents must take a class prior to writing a contract! Confirm that all parties have met agency criteria ahead of time.

  • Funds can run out with city, County SHIP and state programs. Wholesaler DPA options are usually available year round. 

  • Check each programs guidelines.

  • Wholesaler DPA options are often very competitive with city  and state bond DPA programs!

  • Independent loan originators can use almost all county SHIP programs in conjunction with wholesaler programs even if your wholesaler is not on Proprietary Wholesaler DPA list! Confirm that your preferred wholesaler will accept county DPA funds to couple current rate government 1st mortgages with a 2nd loan at the agency rate.


Though loan originators, realtors, clients and housing counselors can access this list, it is the responsibility of the loan originator to know both the first and 2nd mortgage guidelines for downpayment assistance! Please contact the downpayment assistance programs that your client may be eligible for, get updated guidelines and make sure you know how to package DPA for your clients!

"I found out about an additional layer of DPA my client was eligible for through St. Pete city Community Redevelopment. I was told about this additional DPA program by a housing counselor!" Pam Marron, Loan Originator

Florida City, County(SHIP)& State Programs

Many cities and localities including Indian Tribes and counties (usually listed as SHIP and NSP under type) have downpayment 2nd mortgages and grant assistance for eligible homebuyers. Florida at the state level also has DPA that is both the 1st and 2nd mtg and also just a 2nd mtg. However, Florida state programs are restricted to a limited list of lenders and are not commonly available to independent loan originators.


City, county and state DPA programs are funded by local or state government entities and specific dollar amounts are allocated throughout the year. Make sure to call these programs beforehand to check on availability of funds.​

City, county and state programs listed are available in Florida only.

Check County SHIP Funds First!

The benefit of using county SHIP is that it provides a 2nd mortgage that is attached to an FHA, VA, Conventional and USDA 1st mortgage with current interest rates. Combined 1st and 2nd DPA programs commonly have a higher 1st and 2nd mortgage interest rate.

However, county SHIP and local city DPA often have separate underwriting guidelines and restrictions, like income and ratio maximums and credit score minimums that are different than the 1st mortgage.

Also, many county SHIP and city DPA programs require loan originators, realtors and the client to take a HUD approved class on homeownership in order to utilize DPA funds. Make sure to check all DPA underwriting criteria, availability of funds and if you must be on an approved list before issuing a client pre-approval to find a home.  

County SHIP programs listed are available in Florida only.

WHY include Wholesaler DPA Programs? 

In the last few years, wholesalers have begun to offer highly competitive DPA programs that provide either just the 2nd mortgage or both the 1st and 2nd mortgage. These wholesaler DPA programs are available to independent loan originators and are often highly competitive with city and state bond programs. Also, they don't run out of money like many city, state and county programs do.


There are some programs that independent loan originators cannot utilize. However, the growing number of wholesaler programs available often offer higher ratios, a few have no max. income critieria and interest rates are highly competitive with state programs.

Wholesaler proprietary programs are available both in and outside of Florida.

Proprietary Wholesaler Programs

Two proprietary wholesaler downpayment assistance programs are detailed:

  1. AFR Wholesale/DPA Advantage (FHA)

  2. Land Home Financial Services (FHA and Conv)


 Note: Lakeview/Bayview NO MI DPA program suspended 4/1/2020. 

Wholesaler proprietary programs are available both in and outside of Florida.

Wholesalers that offer Chenoa Funds

The Chenoa Fund is an affordable housing program administered by CBC Mortgage Agency (CBCMA), a federally chartered governmental entity. CBCMA specializes in providing down payment assistance financing under FHA and conventional guidelines.


CBCMA has a mission to increase affordable and sustainable homeownership, specifically for creditworthy, low- and moderate-income individuals. CBCMA partners with reputable mortgage lenders on a correspondent basis to provide loans for qualified home buyers. CBCMA has several program options to choose from that include down payment assistance in the form of second mortgages on:

  • Conventional loans

  • FHA insured loans


A list of correspondent wholesale lenders that provide Chenoa Funds are provided and are available both in and outside of Florida.

Where other DPA programs can be found. Let us know when you hear of new one! has a listing of DPA programs across the United States. However, proprietary wholesaler DPA programs (except Chenoa Funds and Springboard) are not on their website. Realtors who are signed up with Stellar MLS can go into their MLS and access this website for free. There is a $39/mo. cost for loan originators to sign up for this service. 

Because downpayment assistance is greatly needed by clients and because it is critical for ALL loan originators to know about ALL DPA availability, two proprietary programs  found are shown on this website.


Please let us know when you hear of new programs across the U.S. by emailing

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2020 created Feb. 2020 

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