Get Pre-Approved for a Mortgage
Answer a few questions to connect with a lender and find out what you can borrow. Nearly every down payment assistance program requires a pre-approval before you can apply, so this is usually the first step rather than the last.
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Why Pre-Approval Comes First
Most Assistance Programs Require It
Down payment assistance is layered on top of a mortgage, not used instead of one. Program administrators generally want to see a pre-approval from a participating lender before they will reserve funds for you.
It Tells You Your Real Budget
Income limits and purchase price caps are tied to what you actually qualify to borrow. Knowing that number first tells you which programs are realistic in your area.
Sellers Expect to See One
In most markets an offer without a pre-approval letter will not be taken seriously. Having one ready keeps you competitive when you find the right home.
It Is Not a Commitment
A pre-approval is an estimate of what a lender is willing to lend based on the information you provide. You are free to compare offers, and you are not obligated to use the lender who issues it.
Next Steps
Once you know what you can borrow, find the assistance programs that fit your city and income.