You might qualify for free money to buy your first home.

Over 2,000 down payment assistance programs exist nationwide. Most buyers never find them. Enter your zip code and find out what you qualify for in 30 seconds.

2,000+
DPA Programs
$50B+
Available Aid
50
States Covered
Eligibility Checker
Please enter a valid 5-digit zip code
5 programs found

Programs available in California

Based on your zip code, income, and buyer status

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Get Matched With a Homebuying Specialist

A real estate professional who specializes in first-time buyers and knows your local DPA programs inside out.

You're In!

A homebuying specialist will reach out within 24 hours. In the meantime, start exploring those DPA programs above.

The Problem

Buying your first home shouldn't require a PhD in real estate finance.

Down payment programs you've never heard of. Agents who don't specialize in first-time buyers. Lenders and insurance companies that all look the same. The system is fragmented, and it costs you money.

Everything under one roof

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Down Payment Assistance

Over 2,000 programs exist nationwide and most buyers never find them. NestReady matches you with every grant, loan, and tax credit you qualify for based on your location and income.

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Agent Matching

Get paired with real estate agents who specialize in first-time buyers. Not random agents. Specialists who know down payment programs, negotiation tactics, and your local market.

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Lending Solutions

Compare mortgage offers from multiple lenders side by side. See real rates, real terms, real monthly payments. No surprises at closing.

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Insurance Services

Home insurance quotes from multiple carriers before you close. Understand what you're covered for, what you're not, and how to save without cutting corners.

🏢 Investment Lending

Buy investment property with rental income — not your paycheck.

DSCR loans qualify you based on what the property earns, not your W-2s or tax returns. Perfect for building a real estate portfolio without the paperwork nightmare of traditional mortgages.

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Property Cash Flow, Not Your Pay Stubs

DSCR stands for Debt Service Coverage Ratio. If the property's rental income covers the mortgage payment, you can qualify — regardless of your personal income or employment.

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No Tax Returns Required

Skip the stacks of W-2s, 1099s, and two years of tax returns. DSCR lenders look at the property's income potential, not your personal financial history.

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Scale Your Portfolio Faster

Traditional lenders cap you at a handful of mortgages. DSCR loans let you keep buying as long as the numbers work — ideal for investors ready to grow.

Close in as Little as 2-3 Weeks

Without the income verification paperwork slowing things down, DSCR loans often close much faster than conventional mortgages.

Get a DSCR Loan Quote

Tell us about your property and we'll connect you with a DSCR lending specialist — no obligation, no hard credit pull.

Request Received!

A DSCR lending specialist will reach out within 24 hours with options tailored to your property.

DSCR loans are for investment properties only — not primary residences. Rates and terms vary by lender. NestReady connects you with lending partners and does not originate loans directly.

Stop leaving money on the table.

Thousands of dollars in down payment assistance goes unclaimed every year. Check your eligibility now — it takes 30 seconds and costs nothing.

Check My Eligibility