The Smart Mortgage “Buy Smart” Down Payment Assistance (DPA) Program: Innovating Homeownership

In the world of home financing, down payment assistance (DPA) programs often make a crucial difference for prospective homeowners. At Smart Mortgage, we’re proud to introduce our groundbreaking “Buy Smart” DPA program, designed to open doors and make the dream of homeownership more attainable than ever. Our new private DPA initiative combines innovation with flexibility, providing much-needed support without imposing unnecessary restrictions.

Questions about the DPA program call today (888)842-7272

Highlights of the “Buy Smart” DPA Program

1. Funding Meets FHA and USDA Requirements:
Our DPA funds fulfill the minimum investment criteria set by the Federal Housing Administration (FHA) and the United States Department of Agriculture (USDA), providing borrowers with peace of mind.

2. Up to 5% of Purchase Price:
Borrowers can receive up to 5% of the purchase price as assistance. These funds can be allocated in various ways, including towards the down payment, covering closing costs, or even reducing the interest rate on the primary mortgage. This versatility ensures that you receive the support tailored to your financial needs.

3. No Income or First-Time Buyer Restrictions:
Unlike many traditional DPA programs, Smart Mortgage’s “Buy Smart” DPA does not impose income limits or require you to be a first-time homebuyer. Our goal is to help as many people as possible gain access to quality housing.

4. Nationwide Availability:
Whether you’re looking to buy in a bustling city or a tranquil rural community, this program is available across the country, ensuring that buyers nationwide can benefit.

5. Temporary Interest Rate Buydowns:
To further boost affordability, the “Buy Smart” program offers temporary interest rate buydown options. Choose between a repayable 10-year option or a forgivable 5-year option, depending on your long-term financial strategy and mortgage preferences.

Why Choose the Smart Mortgage “Buy Smart” Program?

Innovation and Expertise:
As industry innovators in down payment assistance, Smart Mortgage has crafted this program to address the modern homeowner’s challenges, giving you a strategic edge in today’s competitive real estate market.

Flexibility and Accessibility:
With flexible terms and a focus on eliminating restrictive barriers, the “Buy Smart” program provides much-needed financial freedom, whether you are a seasoned homeowner or a new buyer exploring options.

Tailored Solutions for Diverse Needs:
The program is designed with your unique financial circumstances in mind. Our range of options ensures that you can secure a plan that fits seamlessly into your home-buying journey.


The Smart Mortgage “Buy Smart” DPA program is a game-changer in the down payment assistance landscape, empowering more people to become homeowners without the usual limitations. With this innovative program, we’re ready to help you secure a brighter future and realize the joys of homeownership. Reach out to us today to see how “Buy Smart” can work for you.

Questions about the DPA program call today (888)842-7272

About smart

No Comments

Be the first to start a conversation

Leave a Reply

You must be logged in to post a comment.