Down payment assistance

Down payment help that actually closes.

Your local team for first-time buyers.

we got you home.

Find your DPA programs Meet the team

1,200+
Families closed: $14M+
DPA secured: 4.9★
Average rating: 18 days
Average close

Find your programs · ~3 min

Where are you looking to buy?

Takes about 3 minutes. No SSN, no credit check — ranges only.

Our story

Help that actually shows up.

Prescott Mortgage helps first-time and repeat buyers unlock down payment assistance programs most lenders never mention. We match you to the right grants and second-mortgage programs, handle the paperwork, and keep your closing on track. No jargon, no surprises — just a team that knows these programs inside and out and fights to get you the keys.

With decades of combined experience across conventional, FHA, VA, and USDA loans, we pair every buyer with a dedicated loan officer from application to closing day.

Meet the team

Approachable experts in your corner.

Ava Patel
Loan officer · NMLS #1885201
TX-licensed LO who started as a NACA counselor. I'm the person you want if you're a first-time buyer comparing the MCC tax credit against a DPA stack, or if your credit is mid-600s and you've been told no twice.
SpecialistSpecialist in Dallas Homebuyer Assistance Program (DHAP) ✓Specialist in Houston First-Time Homebuyers Program (City) ✓Specialist in Plano First-Time Homebuyers Assistance Program ✓Specialist in Denton Homebuyers Assistance Program ✓
Chris Coleman
Loan officer · NMLS #1719844
Twelve years in Florida. Veteran (Army, '08-'14) and an obsessive Hometown Heroes specialist — teachers, nurses, first responders. I keep a running spreadsheet of every county's stacking rules.
SpecialistDeferred loansSpecialist in City of Marathon First-Time Homebuyer Assistance ✓Specialist in Georgia Dream Peach Plus ✓Specialist in Miami-Dade Homebuyer Down Payment Assistance Program ✓+9 more
View profile →
Chuck
Loan officer · NMLS #1987766
Chuck is a loan officer who helps first-time buyers across GA stack down payment assistance with confidence. Run the wizard and get a tailored shortlist fast.
SpecialistSpecialist in Athens-Clarke County Housing Authority DPA ✓Specialist in ANDP-FHLBank Atlanta DPA Program ✓
Jordan Lee
Loan officer · NMLS #2083451
I've closed 200+ Georgia Dream and Atlanta HOME-funded purchases. If you're a teacher, first responder, or healthcare worker in the metro, you're probably eligible for stacking I can run in my sleep.
SpecialistSpecialist in Arizona is Home Mortgage Assistance Program ✓Specialist in Arizona Home Plus ✓Specialist in Fulton County Homeownership Program (HOP) ✓Specialist in Atlanta Housing Down Payment Assistance ✓+2 more
Maria Sosa
Loan officer · NMLS #1942776
Eight years inside CalHFA, GSFA, and FHA programs. I run the wizard with you, translate the lender-speak, and make sure your file gets to underwriting clean — Spanish or inglés, your call.
SpecialistSpecialist in CalHFA MyHome Assistance Program ✓Specialist in CalHFA CalPLUS FHA + ZIP Combined Program ✓Specialist in CalHFA VA Loan Program with MyHome ✓Specialist in CalHFA Dream For All Shared Appreciation Loan ✓
Prescott Mortgage Owner
Loan officer · NMLS #1943856
Prescott is a loan officer who helps first-time buyers across AZ, GA stack down payment assistance with confidence. Run the wizard and get a tailored shortlist fast.
SpecialistSpecialist in Arizona is Home Mortgage Assistance Program ✓Specialist in Arizona Home Plus ✓Specialist in Athens-Clarke County Housing Authority DPA ✓Specialist in ANDP-FHLBank Atlanta DPA Program ✓
QA Loan Officer
Loan officer · NMLS #1916118
QA is a loan officer who helps first-time buyers across AZ, CA stack down payment assistance with confidence. Run the wizard and get a tailored shortlist fast.
SpecialistSpecialist in Arizona is Home Mortgage Assistance Program ✓Specialist in Arizona Home Plus ✓Specialist in Affordable Homes Inland Empire (AHIE) DPA ✓Specialist in AC Boost - Alameda County Down Payment Assistance ✓
Sofia Reyes
Loan officer · NMLS #2110473
CA / NV / AZ across three lenders. I've done 80+ Chenoa Fund and 40+ NACA closings. If you're looking at a relocation purchase across state lines, that's where I help most.
SpecialistSpecialist in Arizona Home Plus ✓Specialist in Home Is Possible ✓Specialist in CalHFA MyHome Assistance Program ✓

Specialties and programs

The programs our team knows best.

See your match

First-time homebuyer grants

3 programs

First-Time Homebuyer FundPADown Payment and Closing Costs Assistance ProgramPAFHA Closing Cost Assistance Loan ProgramPA

Statewide & county assistance

3 programs

NJCC Statewide Down Payment Assistance ProgramNJDelaware County Homeownership First ProgramPAGloucester County Homebuyer Down Payment Assistance ProgramNJ

Low- to moderate-income assistance

2 programs

Down Payment and Closing Cost Assistance Program (< 80% AMI)PADown Payment and Closing Cost Assistance Program (80% - 115% AMI)PA

First-generation programs

1 program

First Generation Down Payment Assistance ProgramNJ

Coverage

Where we work.

6 states

Products and services

More than down-payment help.

Conventional, FHA, VA & USDA loans

Every major loan type under one roof, matched to your situation.

Down payment assistance matching

We find the grants and second-mortgage programs you actually qualify for.

First-time homebuyer programs

Specialized guidance for buyers purchasing their very first home.

Refinance & cash-out options

Lower your rate or tap equity when the timing is right.

Pre-approval in 24 hours

Know your budget fast so you can shop with confidence.

Why families trust us

Real results, real keys.

“I thought I'd be renting for another five years. Prescott found me a grant I didn't know existed and we closed in under three weeks.”

Maria T.

Philadelphia, PA

1,200+
Families closed: $14M+
DPA secured: 4.9★
Average rating: 18 days
Average close

Meet Prescott

Your AI coach, in plain English.

Prescott answers your down-payment-assistance questions and explains how programs work while Prescott Mortgage handles the rest — educational guidance only, never financial advice.

“Not sure where to start? Tell me your state and I’ll take it from there.”