Home Down Payment Assistance Eligibility Estimator
Many first-time homebuyer assistance programs use income limits (often a percentage of Area Median Income) and cap the assistance as a percentage of purchase price. Enter your household income, local AMI, and home price to estimate your potential eligibility and assistance amount.
About this calculator
Estimate whether your income and home price fall within typical down payment assistance program limits.
Frequently Asked Questions
What is Area Median Income (AMI)?
AMI is the midpoint income for a region, published annually by HUD and used to set eligibility for many housing assistance programs.
Does exceeding the income limit disqualify me automatically?
This is only an estimate. Many programs have exceptions, household size adjustments, and other factors — always check with your local program administrator.
Is down payment assistance a loan or a grant?
It varies by program. Some assistance is a forgivable grant, others are deferred or low-interest second loans that must be repaid.