Down Payment Assistance Programs
Grant and second-lien programs that pair with your primary loan to reduce the cash you need at closing.
Talk to a Local ExpertWhy buyers choose Down Payment Assistance.
Grants and second-lien programs
Reduce your upfront cash need through down payment or closing cost assistance funds.
Pairs with FHA and Conventional
Assistance programs layer on top of the loan program you already qualify for — not a separate loan type.
First-time and repeat buyers
Some programs are restricted to first-time buyers; others are open to anyone who meets income guidelines.
Local program expertise
Available programs and funding change often — our loan officers track what's actually open right now.
Ready to see what programs you qualify for? Here's how.
Down payment assistance programs each carry their own income and eligibility rules. Watch a short walkthrough of the steps, or connect directly with a local expert who tracks what programs are currently available in your area.
Talk to a Local Expert
We're here to help. Anytime.
Have questions about eligibility, income limits, or how assistance funds work alongside your mortgage? Get neighborly, straight answers.
Better equipped to help you qualify.
By funding loans with our own capital, we go beyond traditional options to find the down payment assistance program that actually fits your situation.
More than just loans.
We reinvest locally across Knoxville, Nashville, Sevierville, Dayton, and now Florida — because we're part of the same communities we lend in.
Not sure Down Payment Assistance Programs is the right fit?
Four steps from application to keys in hand.
Complete your application on your own schedule. Your loan officer handles the rest.
Tell us about you
Submit your application online and upload documentation securely — no paperwork required.
Choose your program
Your loan officer walks you through the rate and program that fits your situation best.
Get approved
We review your loan, order the appraisal, and verify details — funded with our own capital.
Close your loan
Sign your final documents and get your keys. You'll stay a part of the FCLS family after close.
Learn more with articles from our blog.
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What Do Mortgage Lenders Look At? 5 Things to Get in Order Before You Apply
