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Empowered DPA Program Down Payment Assistance

Statewide, California

Last verified
See what you qualify for
Repayment

Deferred

No payments until the home is sold or refinanced

What is Empowered DPA Program Down Payment Assistance?

Empowered DPA Program Down Payment Assistance is a deferred second loan for homebuyers in Statewide, California.

  • Lender-administered DPA. Various sub-products with different repayment terms.
  • Up to 5% of loan amount in DPA structured as forgivable or repayable second mortgage. Combines with Conv or FHA first.
  • Funding comes from Empowered DPA Program.

Do you have to pay it back?

Empowered DPA Program Down Payment Assistance is deferred, so no payments are due until the home is sold, refinanced, or the first mortgage is paid off.

  • Repayment is triggered by sale, refinance, or end of term.
  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Empowered DPA Program Down Payment Assistance is open to buyers who will live in the home as their primary residence.

The program requires

  • The home is occupied as a primary residence
  • A completed homebuyer education course, through Required - HUD-approved
  • Sourced via Homebuyer Wallet (NT20250022). Lender-administered. Available nationwide via correspondent lender network. Verify availability with originating lender.

These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.

What are the income limits?

Empowered DPA Program Down Payment Assistance sets its income limit as follows: Per first mortgage program guidelines.

  • The limit applies to total household income, not only the borrower’s.
  • Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

What kind of home can it be used for?

Empowered DPA Program Down Payment Assistance can be used for Single-family, Condo, Townhouse.

Where does it apply?

Empowered DPA Program Down Payment Assistance serves buyers purchasing in Statewide, California.

How do you apply?

Applications for Empowered DPA Program Down Payment Assistance go through the administering agency.

  1. Take a homebuyer education course

    Required by the program, through Required - HUD-approved.

  2. Contact the administering agency to reserve funds

    Funds are reserved with the provider and are subject to availability.

  3. Work with a lender who handles the program

    Hey Prescott is not a lender and does not accept applications; this page describes the program so a buyer can take it to a lender or housing counselor.

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