Down Payment Assistance Programs for Homebuyers

Adam Buttermore | Houston Loan Officer & Mortgage Lender | Licensed in TX, IN, FL & TN

Adam Buttermore is a Houston-based mortgage lender with 20+ years of experience helping homebuyers, refinancers, and investors secure the right loan with confidence.

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At Adam Closes Mortgage Solutions, we believe homeownership should be within reach for everyone — and down payment assistance programs make that possible. Whether you’re a first-time buyer or returning homeowner, these programs help cover part or all of your down payment so you can move forward with confidence.

Down payment assistance (DPA) options come in many forms — grants, forgivable loans, or deferred-payment programs — each designed to reduce upfront costs and make buying a home more affordable. Our team helps you explore every eligible option in your state, ensuring you understand how each program works and which best fits your situation.

With over 20 years of mortgage experience, Adam and his team simplify the process of securing financial help, managing paperwork, and coordinating program approvals. The result: an easier, faster path to homeownership without the stress of saving for years.

Why a Down Payment Assistance Program Might Be Right for You

Down payment assistance programs provide vital financial support, helping qualified buyers secure a home sooner while keeping savings intact.

Lower Upfront Costs

Use grants or loans to reduce or eliminate your required down payment.

Accessible for More Buyers

Perfect for first-time or moderate-income buyers looking to enter the housing market.

State and Local Options

Programs vary by region, allowing tailored solutions for eligible borrowers.

Simplified Approval

Our team helps navigate paperwork and program eligibility for a seamless process.

Down payment assistance programs open doors for homebuyers — turning saving challenges into successful closings with expert guidance every step of the way.

What to Expect from Our Down Payment Assistance Process

We walk you through each step — from checking program eligibility to completing your loan application — ensuring your assistance is applied accurately and efficiently.

Quick Welcome Call

We start with a quick introductory call to understand your goals and answer your questions.

Complete Your Secure Online Application

Complete our secure online application and upload your documents at your convenience.

Get Pre-Qualified With a Soft Credit Check

We run a soft credit check with no impact on your score and issue a pre-qualification if possible.

Shop for Your Home and Get Under Contract

With pre-qualification in hand, you can shop confidently and get your home under contract.

Close on Your Home

Once under contract, we work quickly to close your home, usually within 30 days.

Want to Know What Loan Option Is Right for You?

Saving for a down payment doesn’t have to hold you back. At Adam Closes Mortgage Solutions, we’ll help you explore the best programs available in your area and guide you through every step toward homeownership.

Whether you qualify for a grant, forgivable loan, or other assistance, our team ensures a smooth and transparent process. Call today or fill out the form below to start your pre-qualification and learn what options you may already be eligible for.

Frequently Asked Questions

What is down payment assistance and how does it work?

Down payment assistance programs provide grants or second loans to help cover upfront costs. Eligibility depends on income limits, location, and loan type.

Do I have to repay down payment assistance?

Some programs are grants you never repay, while others are forgiven after a set period of homeownership.

Can first-time buyers qualify automatically for DPA?

First-time buyer status alone does not guarantee approval. Income caps and property location requirements must also be met.

Can down payment assistance be combined with FHA or conventional loans?

Yes, many DPA programs can be layered with FHA or conventional financing, provided program guidelines align.