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Down Payment Assistance

WCDA’s DPA loan products help borrowers achieve their dream of homeownership. These products assist borrowers with their down payment, closing costs, and prepaids. Each DPA loan product has these basic features:


  • $10,000 maximum loan amount

  • 620 minimum FICO score

  • $1,500 minimum borrower contribution required (may be a gift)


Home$tretch DPA Loan Product

  • May utilize with the Standard FTHB product only

  • 0% interest rate and 0.080% APR based on an average loan amount of $5,500

  • No monthly payment

  • Due upon sale of the home, refinance or 30 year maturity


Amortizing DPA Loan Product

  • May utilize with the HFA Preferred (with MI or no MI) or

  • Advantage loan products only

  • Fixed interest rate

  • Fully amortizing, low monthly payments

  • Maximum 10 year term

























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