Advancing a Wealthier Future for All Americans
Through innovative programs, partnerships, and technology, we make homeownership more attainable and affordable for underserved communities across America.
Infrastructure for Homeownership
We provide essential infrastructure and specialized technical assistance to improve outcomes for America's homebuyers.
Millions of Americans want to own a home but don't know where to start, or that help exists. The Homeownership Council of America works on both sides of that gap.
With lenders, funders and communities, we build the mortgage products and down payment assistance (DPA) that make homeownership attainable. With first time and first generation homebuyers, we offer ReadyOwn: free tools that help people get ready, connect with a housing counselor, find assistance they may qualify for and the lenders who can help.
For Lenders, Funders & Communities
For Homebuyers
After José had covered his minimum down payment and some additional for rate-buydown and closing costs, he was still short on the funds needed to close. HCA's $9,000 DPA covered the gap, which also allowed him to leverage an additional DPA from the City of Los Angeles for full financing coverage. Today the home has gone up in value, and his equity is worth a multiple of the amount he was short to close on this opportunity.
Dec 2022
$9,000
DPA at closing
Jul 2026 (AVM)
$154,000+
Home equity
The Only National Nonprofit Dedicated to Expanding Homeownership Infrastructure
Homeownership Council of America develops and expands homeownership through well-designed mortgage products, programs, and delivery systems. We are staffed by deeply experienced mortgage and nonprofit lending professionals with specialized expertise in affordable housing, compliance, and underserved community lending.
Learn more about our missionCRA-eligible investment programs with documented impact
Deep subject matter expertise in mortgage lending, compliance, and affordable housing
Focused on closing the wealth gap for underserved communities