How to Stack Down Payment Assistance Like a Pro (Yes, You Can Layer Programs)

Most people think you can only use one DPA program. Not true.

With the right combination of programs and a lender who knows how to structure them, you can often layer multiple forms of assistance, including:

✅ State-level programs (like CalHFA or GSFA)

✅ Lender credits

✅ Employer-based or city grants

✅ Seller credits

✅ Community Second options

✅ Forgivable silent seconds or shared appreciation products

Real Example (Closed Last Month):

• FHA loan + GSFA Platinum

• Seller credit used to cover most closing costs

• Forgivable DPA used to reduce the borrower’s total cash to close

• Buyer brought just $1,056 to the table — including escrow deposit

They didn’t think they’d be able to buy until next year.They moved into their own home last month.

Why This Matters (for Agents Too):

Agents: These are deals you can win — especially on homes that aren’t flying off the shelf.

• Instead of asking for a lower price, ask for a seller credit to fund a buydown or close costs

• Instead of disqualifying a buyer over lack of funds, connect them with a lender who can structure layered DPAs

• Instead of walking away from FHA or lower-down buyers, show up with real knowledge and solutions

You’re not just helping someone buy a home — you’re changing their financial future.

That starts with how we fund the first step.

Bottom Line:

Down payment assistance isn’t just one program. It’s a playbook — and if you know how to run the right plays, even “low-cash” buyers can win in this market.

Let’s structure the deal that gets them in.

Let’s apply.📲 Start your application here