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Homeownership Council of America provides
National Down Payment Assistance (DPA) Solutions
HCA offers a suite of National DPA Solutions that help to close the wealth gap in America, and help fulfill the mission of making homeownership accessible for everyone who qualifies in America.
National DPA Solutions Webinar
Join Us!
Unlock Lending Opportunities in a Shifting Political Landscape – Free Webinar
Thursday, May 8, 2025 | 2:00 PM EST | Virtual
Join the Homeownership Council of America for a high-impact webinar exploring how lenders can thrive in today’s changing political and regulatory environment. Learn how National DPA Solutions is offering a powerful alternative to traditional Special Purpose Credit Programs (SPCPs).
HCA launched National Down Payment Assistance (DPA) Programs with a successful two year pilot and is now expanding! These innovative programs bring a new methodology to delivering DPA to any geography across America, and recently were selected as a Spotlight Innovation by Brookings Institution and Economic Architecture.
As a 501c3, all donations are provided with tax deductible contribution letters, and these programs are made possible through corporations, private foundations, and individuals seeking to make a difference. Funds are permanently restricted to align with the donor's desired beneficiaries and geographies. Our program supports homebuyers as well as funding for HUD Approved organizations who help underserved communities access credit through homebuyer education and pre-purchase housing counseling.
HCA will compliantly administer programs with long-term impact tracking and reporting for Donors.
Let's set up a time with our team to discuss how you can significantly impact homeownership for traditionally underserved communities.
Equity DPA
Down Payment and Closing Cost Assistance loan for BIPOC & LMI
- First Time Home Buyers
- 3% of Purchase Price or up to $9,000 per homebuyer
- 80% AMI or less, LMI Census Tract, and BIPOC up to 140% AMI Eligible
- Forgivable upon sustained homeownership of 5 years
- Impact tracking and reporting for donors
- HUD-certified housing counseling supports and sub-grants
- Eligible with conventional and portfolio first mortgages
Equity Access
Down Payment and Closing Cost Assistance loan for BIPOC & LMI
- First Time Home Buyers
- 80% AMI or less, LMI Census Tract, and BIPOC up to 140% AMI Eligible
- 3% of Purchase Price or up to $9,000 per homebuyer
- Grant at closing
- Impact tracking and reporting for donors
- HUD-certified housing counseling supports and sub-grants
- Eligible with all foxed rate first mortgage types.
Spotlight Innovation Award for HCA's National DPA Solutions
HCA's National DPA Solutions program was selected in the final round of the Valuing Homes in Black Communities Challenge from Economic Architecture and The Brookings Institution. At (org name) we are (unique value proposition), and our structural innovation is helping to (re)design our markets for the public good.
Our Sponsors
Contact HCA
We are developing new pathways for private donor-directed DPA Funds
Private funds can be directed to specific communities, areas, and partners. Certain restrictions apply in order to maintain compliance. HCA will provide ongoing reporting and impact tracking. This newly formalized program design is being piloted upon regulatory approval.