{"id":16485,"date":"2020-05-06T09:26:56","date_gmt":"2020-05-06T16:26:56","guid":{"rendered":"https:\/\/www.homelight.com\/blog\/?p=16485"},"modified":"2025-09-30T19:39:49","modified_gmt":"2025-10-01T02:39:49","slug":"buyer-down-payment-assistance-coronavirus","status":"publish","type":"post","link":"https:\/\/www.homelight.com\/blog\/buyer-down-payment-assistance-coronavirus\/","title":{"rendered":"Does Down Payment Assistance Still Exist During Coronavirus?"},"content":{"rendered":"<p>It\u2019s hard to overstate the impact of the <a href=\"https:\/\/www.homelight.com\/blog\/buyer-coronavirus-real-estate-closing\/\">coronavirus pandemic<\/a> on life in America, with a record number of Americans seeing a reduction in their income or facing unemployment (to the tune of <a href=\"https:\/\/www.cbsnews.com\/news\/jobless-claims-unemployment-30-million-six-weeks\/\">30 million new claims between mid-March and the end of April 2020<\/a>). As part of a sweeping response to the crisis, the federal government passed the <a href=\"https:\/\/home.treasury.gov\/policy-issues\/cares\">CARES Act<\/a> \u2014 that\u2019s the Coronavirus Aid, Relief, and Economic Security Act \u2014 which includes stipulations that lenders must provide mortgage relief to borrowers who have been impacted.<\/p>\n<p>But what about the <a href=\"https:\/\/www.homelight.com\/blog\/buyer-moving-into-house-coronavirus\/\">would-be homeowners<\/a>, who have yet to enter the housing market? Some in this group of first-time homebuyers are depending on down payment assistance \u2014 and are wondering whether or not such assistance still exists in the realm of possibility.<\/p>\n<p>In short, yes, it does \u2014\u00a0but it\u2019s going to be harder to get, and you may expect to face delays. Here\u2019s our expert-sourced backgrounder on <a href=\"https:\/\/www.homelight.com\/blog\/buyer-first-time-homebuyer-loans\/\">down payment assistance<\/a>, who can get it, and what\u2019s available in the pandemic.<\/p>\n<figure id=\"attachment_16488\" aria-describedby=\"caption-attachment-16488\" style=\"width: 700px\" class=\"wp-caption alignnone\"><a href=\"https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2020\/05\/down-payment-assistance-coronavirus-woman.png\" target=\"_blank\"><img decoding=\"async\" width=\"666\" height=\"381\" src=\"https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2020\/05\/down-payment-assistance-coronavirus-woman-666x381.png\" class=\"attachment-content size-content\" alt=\"A woman using a computer to get down payment assistance during coronavirus.\" srcset=\"https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2020\/05\/down-payment-assistance-coronavirus-woman-666x381.png 666w, https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2020\/05\/down-payment-assistance-coronavirus-woman-64x37.png 64w, https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2020\/05\/down-payment-assistance-coronavirus-woman-128x73.png 128w, https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2020\/05\/down-payment-assistance-coronavirus-woman-192x110.png 192w, https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2020\/05\/down-payment-assistance-coronavirus-woman-432x247.png 432w, https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2020\/05\/down-payment-assistance-coronavirus-woman-500x286.png 500w, https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2020\/05\/down-payment-assistance-coronavirus-woman.png 700w\" sizes=\"(max-width: 666px) 100vw, 666px\" \/><\/a><figcaption id=\"caption-attachment-16488\" class=\"wp-caption-text\"><\/a> Source: (Nathan Dumlao \/ Unsplash)<\/figcaption><\/figure>\n<h2>Who can get down payment assistance?<\/h2>\n<p>One category of buyers who can get down payment assistance is <a href=\"https:\/\/www.homelight.com\/blog\/buyer-coronavirus-first-time-homebuyer\/\"><b>first-time buyers<\/b><\/a>. And that\u2019s actually a more broadly defined category than the term would seem to imply: According to <a href=\"https:\/\/archives.hud.gov\/offices\/hsg\/sfh\/ref\/sfhp3-02.cfm\">HUD guidelines<\/a>, you <i>can<\/i> be a former homeowner, but you can\u2019t have owned a house for the past three years.<\/p>\n<p>You also qualify as a first-time buyer if you:<\/p>\n<ul>\n<li>Are a single parent who has only owned with a former spouse while married<\/li>\n<li>Are a displaced homemaker who has only owned with a spouse<\/li>\n<li>Have only owned a principal residence not permanently affixed to a permanent foundation<\/li>\n<li>Have only owned a property that was not in compliance with building codes and which cannot be brought into compliance for less than the cost of building a new permanent home<\/li>\n<\/ul>\n<p>Your access to down payment assistance depends on other factors, too, such as your income. \u201cUsually, it\u2019s somebody with a more modest income,\u201d explains <a href=\"https:\/\/www.homelight.com\/agents\/dale-mattison-md-3953\">Dale Mattison<\/a>, a top-selling agent based in Maryland.<\/p>\n<p>\u201cBroad generalization, it\u2019s probably 80% or less of the adjusted median income nationally or for a particular region \u2014\u00a0but that can vary region to region, or state to state, or city to city, depending on which entity is providing those funds.\u201d<\/p>\n<h2>What kind of down payment assistance is available?<\/h2>\n<p>Assistance may come in the form of grants (which you don\u2019t have to pay back) or loans (which you do).<\/p>\n<p>Some loans are zero-interest and forgivable, which means they expire with no penalty or interest accrued after a certain period of time; a good example of this is <a href=\"https:\/\/www.hud.gov\/program_offices\/housing\/sfh\/reo\/goodn\/gnndabot\">HUD\u2019s Good Neighbor Next Door<\/a> program.<\/p>\n<p>While HUD itself isn\u2019t giving out the down payment assistance, some local groups that do could require borrowers to take a counseling course approved by HUD meant to help borrowers understand and negotiate the homebuying process.<\/p>\n<p>Down payment assistance is usually issued by state or local government agencies but is also available federally. Let\u2019s look at an example of how much the assistance programs can range regionally.<\/p>\n<p>\u201cWe have a program in Washington, D.C., that will loan a moderate-income person or family up to $80,000 to use for down payment, and in addition to that, another $4,000 to be used toward closing costs,\u201d Mattison explains, describing a portion of his own territory.<\/p>\n<p>\u201cIf I go across the line from D.C. into Maryland, the Maryland program is very much different \u2014\u00a0so you\u2019re probably talking about $10,000 toward down payment and closing costs. So it\u2019s really going to vary jurisdiction to jurisdiction.\u201d<\/p>\n<h2>Is down payment assistance available during the coronavirus pandemic?<\/h2>\n<p>Although down payment assistance programs might be available right now in theory, it\u2019s likely that agencies overseeing them are simply overwhelmed.<\/p>\n<p>Consider that some of them, such as the FHA, might also be involved in <a href=\"https:\/\/www.housingwire.com\/articles\/fha-rolls-out-new-mortgage-relief-options-amid-coronavirus-outbreak\/\">mortgage relief efforts for homeowners<\/a> who have lost income and are struggling to pay \u2014\u00a0and the size of that group is astronomical, given the crisis.<\/p>\n<p>So theory and practice could diverge if you\u2019re seeking down payment assistance \u2014\u00a0but it <i>is<\/i> technically still out there.<\/p>\n<p>\u201cThere\u2019s a little uncertainty with respect to down payment programs, particularly if they\u2019re government-oriented,\u201d Mattison says. \u201cMost of these programs come from local or state governments, and so obviously all of the government entities are facing some very significant financial strains as they are not receiving the sales tax income and other areas where they normally derive their fiscal operating costs.\u201d<\/p>\n<p>And that means, \u201cthere could be some curtailment. There could be some postponement of funds that were normally set to be used for these programs.\u201d<\/p>\n<p>He adds that your chances of getting down payment assistance are going to vary substantially by jurisdiction \u2014\u00a0and you might have to steel yourself to test the limits of your patience while you explore your options, too.<\/p>\n<p>\u201cYou\u2019re likely to see just a significant slowdown in processing,\u201d Mattison says. \u201cParticularly if you\u2019re working within an area where there\u2019s still a lockdown, there could be a lockdown in processing speed, so you have to watch out for that as well.\u201d<\/p>\n<figure id=\"attachment_16490\" aria-describedby=\"caption-attachment-16490\" style=\"width: 700px\" class=\"wp-caption alignnone\"><a href=\"https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2020\/05\/down-payment-assistance-coronavirus-building.png\" target=\"_blank\"><img decoding=\"async\" width=\"666\" height=\"381\" src=\"https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2020\/05\/down-payment-assistance-coronavirus-building-666x381.png\" class=\"attachment-content size-content\" alt=\"A building that gives down payment assistance during coronavirus.\" srcset=\"https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2020\/05\/down-payment-assistance-coronavirus-building-666x381.png 666w, https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2020\/05\/down-payment-assistance-coronavirus-building-64x37.png 64w, https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2020\/05\/down-payment-assistance-coronavirus-building-128x73.png 128w, https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2020\/05\/down-payment-assistance-coronavirus-building-192x110.png 192w, https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2020\/05\/down-payment-assistance-coronavirus-building-432x247.png 432w, https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2020\/05\/down-payment-assistance-coronavirus-building-500x286.png 500w, https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2020\/05\/down-payment-assistance-coronavirus-building.png 700w\" sizes=\"(max-width: 666px) 100vw, 666px\" \/><\/a><figcaption id=\"caption-attachment-16490\" class=\"wp-caption-text\"><\/a> Source: (Anthony Chiado \/ Unsplash)<\/figcaption><\/figure>\n<h2>Are there still low-down-payment loans available?<\/h2>\n<p>The short answer is yes \u2014 but with plenty of caveats.<\/p>\n<p>The FHA, VA, and USDA have not paused their low-down-payment loans, and some conventional lenders might still be offering their own. However, <a href=\"https:\/\/www.homelight.com\/blog\/buyer-mortgage-overlay\/\">more lenders are imposing overlays<\/a>, which means that buyers should probably be prepared to bring bigger down payments to the table. You should also <a href=\"https:\/\/www.homelight.com\/blog\/buyer-credit-score-to-buy-a-house\/\">make sure your credit is as pristine as possible<\/a> if you really can\u2019t get a big enough down payment for a loan.<\/p>\n<p>But these loans are still out there. \u201cThere are conventional loans with as little as 3% down, and FHA is 3.5% down \u2014\u00a0and VA is 0% down,\u201d Mattison says.<\/p>\n<blockquote><p>\u201cIt\u2019s a little more of a volatile environment, but they are still, in fact, available \u2014\u00a0you just have to see if you can fit the guidelines.\u201d<\/p><\/blockquote>\n<p>Of course, fitting into the guidelines \u2014 especially in the age of widespread overlays during the crisis \u2014 can prove more challenging than ever before. But if the short-term picture feels bleak, there\u2019s plenty of optimism to be found on a slightly longer time horizon.<\/p>\n<p>\u201cIf you can\u2019t fit the guidelines, hopefully this is a temporary economic pinch,\u201d Mattison says. \u201cHopefully soon we\u2019ll be out of this and back to a little bit better state of normalcy.\u201d<\/p>\n<p><em>Header Image Source: (cottonbro \/ Pexels)<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Here\u2019s our expert-sourced backgrounder on down payment assistance, who can get it, and what\u2019s available in the realm of coronavirus.<\/p>\n","protected":false},"author":150,"featured_media":16489,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"cybocfi_hide_featured_image":"","footnotes":""},"categories":[192,630,629],"tags":[711],"class_list":["post-16485","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-for-buyers","category-down-payments","category-home-financing","tag-buyer-covid"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.0 (Yoast SEO v27.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Can I Still Get Down Payment Assistance During Coronavirus?<\/title>\n<meta name=\"description\" content=\"Here\u2019s our expert-sourced backgrounder on down payment assistance, who can get it, and what\u2019s available in the realm of coronavirus.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, 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