Down Payment Assistance That Keeps You Competitive From Day One

For many buyers, the dream of homeownership begins long before the first showing. It starts with the idea of a place where every decision, every improvement, and every memory belongs to you.

Yet for countless aspiring homeowners, the greatest obstacle has never been the monthly payment. It has been the upfront cost of entering the market.

Down payment assistance changes that equation.

At GHL, the Down Payment Assistance program was developed to open the door to homeownership. What makes this approach distinctive is how directly it’s delivered. GHL structures financing that may cover both the down payment and closing costs—up to 101.5% of the purchase price—without introducing outside assistance programs, layered lenders, or additional fees. Because the program is managed directly by the GHL team, buyers and their agents see the full financing structure from the outset, allowing transactions to progress with greater efficiency and a clear understanding of the terms.

The program also welcomes a broader range of borrowers. Participation does not require first-time buyer status, and qualified applicants with a minimum FICO score of 620 may be eligible when their financing receives automated approval through Desktop Underwriter or Loan Product Advisor.

For real estate professionals, this expands the pool of buyers who can realistically enter the market. Buyers who once believed they needed years of additional savings may discover that homeownership is much closer than anticipated. A client who once paused their search may now step forward with the ability to compete in today’s market. For buyers, the impact is more personal.

The GHL team stays closely involved throughout the process, providing buyers and their agents with consistent communication and seasoned oversight from application through closing. The result is a lending experience that is efficient and carefully managed at every stage.

Every path to homeownership is different. Some buyers come prepared with substantial savings. Others arrive with strong income, steady credit, and the readiness to begin.

DPA creates the opening that many buyers have been waiting for.

Because every story deserves the chance to find its home.