Down Payment Assistance

It’s no secret that buying a home can be an expensive investment. At Cardinal Financial, we want to help make home happen for as many families as possible. That’s why we support affordable housing with down payment assistance and community lending programs across the nation.

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  • Designed to help cover down payment and closing costs
  • For families with low to moderate income
  • Available in all 50 states

Homeownership is within reach.

Happy family in a new home

To qualify for down payment assistance, you may need to be a first-time home buyer. A first-time home buyer is defined as someone who hasn’t owned a home in the last three years. Both you and the property that you are applying for must be eligible. Down payment assistance and community lending programs are for owner-occupant buyers only and cannot be used on investment properties.

Related home loans.

Looking for something else? Not a problem. We’ve got the financing you need.

Conventional Loan

Want your choice of fixed or adjustable rates and no PMI after building 20% equity? Try a conventional loan, our most popular option for purchase and refi.

FHA Loan

Want flexible credit requirements, easy refinancing options, and potential for down payment assistance programs? Try an FHA loan.


Want a home in an eligible rural area with financing for low to moderate income households? Give USDA loans a try.

Featured blogs

The mortgage world is constantly changing. Check out our latest blog posts to keep up and stay wise to the market.

Make this loan yours.