Your First Home,
Simplified.
All-in-one home buying platform — Down Payment Assistance + Direct Lending in all 50 states.
We help first-time buyers access Down Payment Assistance grants + FAST direct lending — no runaround, no delays. Pre-qualify in minutes across all 50 states.
Programs That Put You In Your Home
State & Local Grant Programs
Access hundreds of state-funded DPA grants — forgivable assistance for qualifying buyers.
Up to $25,000+Employer-Assisted Housing
Employer contributions combined with lender credits to cover your down payment gap.
Stacks with grantsFHA + DPA Combo Loans
3.5% FHA loans paired with second-lien DPA programs — minimal cash needed at closing.
As low as 0% downUSDA Rural Development
100% financing for eligible rural and suburban properties — no down payment required.
Zero down · RuralPre-Qualify in Minutes
Why Apex Home Capital?
- Pre-qualify online in under 5 minutes
- No pressure — real answers, real fast
- Direct lender — no brokers in the middle
- FHA, VA, USDA, Conventional & more
- Dedicated loan officer, start to close
3 Steps to Your New Home
Apply
Complete our 5-minute online pre-qualification — no hard pull, no commitment.
Get Matched
We identify the best DPA programs + loan products for your situation and location.
Close
Move in. We handle the paperwork so you can focus on picking paint colors.