DPA Customizable Flyer

Down Payment Assistance Flyer — Co-Brand Template
Down Payment Assistance Flyer — Co-Brand Template
CO-BRAND FLYER TEMPLATE
Make the down payment assistance flyer yours.
Choose the Conventional DPA or Smart DPA program, set your brand colors, drop in your logo and headshot, and fill in your contact details — then save your personalized flyer as a PDF to share with buyers.
1 · PROGRAM
The flyer content updates to match the program you choose.
2 · COLOR SCHEME
Header & band
Accent rules
Eyebrow on navy
3 · TYPOGRAPHY
4 · IMAGES
Click a box to choose a file. Images stay on your device — nothing is uploaded.
5 · CONTACT DETAILS
Ready to share it?
Save your personalized flyer as a PDF, ready to email or print.
LIVE PREVIEW · 8.5 × 11 IN
DOWN PAYMENT ADVANTAGE · CONVENTIONAL
SMART DPA · FHA & USDA
Up to 4% in down payment assistance
Up to 5% toward your down payment
Pair a conventional loan with a community second mortgage — for first-time and repeat buyers.
Smart DPA pairs with an FHA or USDA loan, and you don’t have to be a first-time homebuyer.
YOUR LOGO

The Down Payment Advantage program pairs your conventional first mortgage with a community second mortgage that can help with your down payment and closing costs. Assistance is based on the lesser of the purchase price or appraised value, and eligibility is based on the borrower’s income only, not the whole household’s.

Smart DPA is a second mortgage that helps with your down payment when you buy with an FHA or USDA loan. Choose assistance that is forgiven over time with no monthly payment, or a repayable option for up to 5% of the purchase price. There are no lender fees on the second mortgage.

How it works
Your assistance options
Up to 4%
ASSISTANCE
Help with your down payment and closing costs, based on the lesser of the purchase price or appraised value.
Conventional
FIRST MORTGAGE
Pair it with a HomeReady® or standard conventional 30-year fixed loan to buy a primary residence.
Community second
SECOND MORTGAGE
A 30-year interest-only second mortgage. It is not forgiven, so plan for it to be repaid.
Your income
QUALIFYING
Based on the borrower’s income, not the household’s, with income up to 140% of the area median.
3-year
FORGIVABLE
3.5% as a 0% second mortgage with no monthly payment, forgiven after 36 on-time payments.
5-year
FORGIVABLE
3.5% at 0% with no monthly payment, forgiven after 60 on-time payments.
10-year
REPAYABLE
3.5% or 5% at 7.99%, repaid over 10 years as a 30/10 balloon or a 10-year note.
Add a buydown
OPTIONAL
A 2-1 or 1-0 temporary rate buydown can be stacked on your first mortgage.
Program snapshot
FIRST MORTGAGE
Conventional, HomeReady® or Home Possible® 30-year fixed. Purchase only; 1-unit primary residence.
DTI & LTV
Debt-to-income up to 50% (or per underwriting findings). Up to 97% LTV and 105% CLTV.
BUYERS
First-time and repeat buyers may qualify.* Homebuyer education is required for all borrowers.
AVAILABLE IN
AL, AR, CO, IL**, IN, KY, MS, MO, NC, OK, TN, UT and VA.
FIRST MORTGAGE
FHA or USDA 30-year fixed. Purchase only; 1–2 unit primary residence.
MAX CLTV
FHA up to 100%, or 101.5% with 5% assistance. USDA up to 100%. A 2-1 or 1-0 buydown may be added.
INCOME & BUYERS
No income caps beyond USDA’s. Not limited to first-time buyers. Homebuyer education is required.
PHOTO
Ask me if down payment assistance is right for you
Loan Officer Name
(000) 000-0000
NMLS #000000
AGENT
PHOTO
Agent Name
(000) 000-0000
Company Name
LEGAL DISCLAIMER
Subject to credit and property approval. A second mortgage is required and must be repaid; it is not forgivable. Program terms, eligibility, income limits, and property restrictions are subject to change and vary by state. *A first-time homebuyer requirement may apply at certain loan-to-value levels. **Not available in Cook County, IL. Not all applicants will qualify. This is not a commitment to lend. Company Name, NMLS #000000. Equal Housing Lender.
Subject to credit and property approval. Forgivable assistance is a 0% second mortgage with no monthly payment that is forgiven after 36 or 60 on-time payments; repayable assistance carries a 7.99% interest rate. Program terms, eligibility, and property restrictions are subject to change. Not all applicants will qualify. Not available in all states. This is not a commitment to lend. Company Name, NMLS #000000. Equal Housing Lender.