Down Payment Assistance Programs

Let us lend a hand in your journey to homeownership

Flexible options

Make it easier to qualify for and put money down on a house.

Tailored to you

Work with us to create a plan that'll help you get into a home you own.

Special offers

First-time homebuyersD and public service workersD can qualify.

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Special Offers
Get help paying for closing costs and a down payment toward your home

First-time homebuyers,D public service workersD including veterans,D and previous homeowners with qualifying incomeD may be eligible for assistance with down payment and closing costs. Speak with a banker to see if you qualify.

  • First-time homebuyers can quality for up to $17,500
  • Public service workers and military members and their spouses can get up to $20,000
  • Previous homeowners can also qualify for up to $15,000 with qualifying income

Down payment assistance makes it easier to get a mortgage

Multiple program options

With multiple down payment assistance programs available, you can get the best match between your payment and your budget.

Flexible credit guidelines

Make it easier to qualify for your mortgage loan.

Options to meet your needs

Flexible down payment and cash reserve requirements let us tailor the program to you.

Normal credit approval applies.

Not applicable in all states.

Some restrictions apply.

First-time Homebuyer Product, Community Partners Product and Work Force Housing+ are products of the Federal Home Loan Bank of Atlanta. Please see the Federal Home Loan Bank of Atlanta's Affordable Housing Program Implementation Plan for complete product requirements. Programs available based upon funds availability.

Public service workers include current or retired law enforcement officers, educators, healthcare workers, firefighters and other first responders.

First-time homebuyers must meet the definition of first-time homebuyer in the HUD Handbook 4000.1, FHA Single Family Housing Policy Handbook (PDF).

Household income restrictions and other requirements apply.

Veterans Products are available to veterans or active-duty members of any branch of the US military, their spouses or their surviving spouses. National Guard Reservists are eligible if they have served in active duty, performed services in active duty or were injured in active duty.

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Third parties mentioned are not affiliated with First-Citizens Bank & Trust Company.

Bank deposit products are offered by First-Citizens Bank. Member FDIC and an Equal Housing Lender. icon: sys-ehl.

NMLSR ID 503941