Buying a home

Down payment assistance

The short answer Down payment assistance can be a grant, a forgivable lien, a deferred loan you repay later, or another structure. Eligibility can depend on location, income, purchase price, education, occupation and the first mortgage you use with it. Some programs require repayment if you sell or refinance, so the exact option matters; ask Marcus about current options.

Last reviewed: October 18, 2026 · General education, not a loan offer or approval. Availability and terms depend on the lender, the property and your file.

It may fit if

You have steady income but limited savings for a down payment or closing costs.
You are buying a primary home in an area that may have state or local programs.
You are willing to complete homebuyer education if required.

Tradeoffs to weigh

Not all assistance is free money; some must be repaid or adds a second lien.
Some options come with a higher interest rate on the first mortgage.
Program funding can run out, and selling or refinancing may trigger repayment.

What to have ready

The city or county where you plan to buy.
Your household income and size.
Your occupation, since some programs serve specific professions.
Your savings for down payment and closing costs.

Questions people ask

Is all assistance free money?

No. Ask whether repayment, forgiveness conditions, a second lien or a rate tradeoff applies.

Can it cover closing costs too?

Some programs allow that. The amount and permitted uses must be checked for the specific program.

Your next step

Tell me what you're trying to do. I'll check which options fit your situation and walk you through the tradeoffs.

Ask Marcus

Sources

Official program and consumer sources this page is based on. Lender rules can be stricter than these.

TSAHC: Loans and down payment assistance

Who you'll work with

You work with me, start to finish.

Marcus Wright · Loan Officer, NMLS #2789841

Originates through Q Mortgage LLC, NMLS #2567464. Licensed in Texas.

Check my license on NMLS Consumer Access

I aim to get back to you within a few working hours, often sooner.

Se habla español. Every page and form here works in Spanish.

How it works

1. Tell me your goalCall, book a time or send a note. No SSN and no credit check to start a conversation.
2. I compare your optionsI look at your income, property and plans, and explain the costs and tradeoffs of each route in plain language.
3. Apply when you're readyYou apply through a secure application. The lender's underwriting makes the final decision, and I keep you updated until closing.

Contact

Let's talk about your loan.

Call, book a time, or send a quick note. Whatever's easiest.

(682) 403-3406Tap to call Pick a timeBook a call on my calendar Weekend timeSat–Sun, 11 a.m.–7 p.m. Central. I confirm it personally. marcus@qmortgage.aiEmail me anytime

Hours Weekdays 8 a.m.–8 p.m. Central. Weekends 11 a.m.–7 p.m. Central by appointment.