National Down Payment Assistance Platform
A scalable, compliant platform delivering measurable community impact and mortgage volume growth for participating financial institutions.
150K
Homebuyers lose out annually due to cash-to-close gaps
80%
Are low-income or minority households
90%+
Minority reach with programs to date
5X
Wealth building results
Why Partner with HCA?
Our platform provides banks, credit unions, and CDFIs with a compliant and efficient vehicle to deploy capital into strategic markets.
CRA-Eligible Impact
All investments with HCA qualify for CRA credit with documented community development impact in your assessment areas.
Production Growth
Increase mortgage volume by converting more applications to closings with DPA funds that bridge the gap.
Compliant Platform
Fully compliant with all regulatory requirements including CRA, fair lending, TRID, and GSE requirements.
Results to Date
Real Impact for Real Families
Based on 249 homeowners served across our active portfolio.
88%
Minority Borrowers
218 of 249 homeowners
43%
LMI Homebuyers
≤80% AMI · 106 homeowners
See the Impact in Action
Hear directly from the families and partners we serve.
Our DPA Products
Flexible down payment assistance solutions designed to meet diverse borrower needs.
Equity Access
deferredShared appreciation, 30 year second lien, zero interest.
Max Assistance: $100,000
Income Limit: 80% AMI
✓ CRA Eligible
Equity Access
forgivableDeferred and forgivable DPA second, fully forgiven after 5 years of stable homeownership.
Max Assistance: $10,000
Income Limit: 140% AMI
✓ CRA Eligible
Equity Access
deferred30-year deferred second lien at 0% interest.
Max Assistance: $10,000
Income Limit: 140% AMI
✓ CRA Eligible
Equity Builder Affordable Second
repayableAffordable second lien with the same interest rate as the first mortgage with wide range of program options.
Max Assistance: $50,000
Income Limit: 200% AMI
✓ CRA Eligible
Equity Closing Grant
grantNon-repayable grant up to $5,000 for qualified homebuyers.
Max Assistance: $5,000
Income Limit: 140% AMI
✓ CRA Eligible