Help With The Hardest Part.
Community and affordable second-lien assistance programs layered onto agency financing, up to $832,750, or $1,249,125 in higher-cost counties.
Assistance layered onto your first mortgage.
However you are piecing it together, there’s likely a path that fits.
- Financing up to $832,750, or $1,249,125 in higher-cost counties
- Community and affordable second-lien programs accepted
- Buyers who qualify for local assistance
- Purchase or refinance your primary residence
- Gift funds accepted alongside assistance
- Fixed and adjustable rate options
Financing up to $832,750, or $1,249,125 in higher-cost counties
Community and affordable second-lien programs eligible
Gift funds from an eligible donor accepted
Primary residence purchase or refinance
No fixed minimum credit score
Fixed-rate and adjustable-rate (ARM) options
What is the Saxton Down Payment Assistance Loan?
Agency financing designed to accept second-lien assistance
The Saxton Down Payment Assistance Loan is agency financing structured to work alongside community and affordable second-lien programs, so assistance you qualify for can sit behind your first mortgage.
There is no fixed minimum credit score on this program. Eligibility is determined by automated underwriting. Community and affordable second-lien programs are eligible, and gift funds from an eligible donor can be used alongside them.
Use it to purchase a primary residence, on single-family homes, planned unit developments, townhomes, and warrantable condominiums, with financing up to $832,750, or $1,249,125 in higher-cost counties.
Why choose the Saxton Down Payment Assistance Loan?
Built for buyers who qualify for help and need a first mortgage that accepts it.
Local Program Recipients
A city, county, or state program you qualify for can sit behind your first mortgage.
Employer Assistance
Employer-sponsored housing benefits can be applied toward your funds to close.
Family Gift Funds
An eligible donor can contribute, and it can be combined with an assistance program.
First Home Purchase
Assistance often makes the difference between renting another year and owning now.
Teachers & Public Service
Many assistance programs are aimed at public service and education roles.
Layered On Top
Assistance sits on top of a first mortgage rather than replacing it, so both sets of rules apply.
Hear From Homeowners Like You
Frequently Asked Questions
Straight answers about down payment assistance programs.
Community and affordable second-lien programs are eligible on this financing. These are typically offered by city, county, state, or nonprofit providers, and sit behind your first mortgage.
No. Saxton provides the first mortgage. The assistance itself comes from the program provider, and we structure the financing so the two work together.
Yes. Gift funds from an eligible donor can be used alongside an assistance program on a primary residence.
Financing runs up to $832,750, and up to $1,249,125 in higher-cost counties, based on the annual conforming limits set by county.
There is no fixed minimum credit score on this program. Eligibility is determined by automated underwriting.
No. Eligibility depends on the individual assistance program, and many are open to repeat buyers as well.
Single-family homes, planned unit developments, townhomes, and warrantable condominiums, as a primary residence.
Find out what you qualify for
Whether you qualify for a local program or a family gift, there’s likely a Saxton Down Payment Assistance Loan option that fits. Get a fast, no-obligation pre-qualification today.
Get Pre-Qualified- Consumer Financial Protection Bureau, buying a house: tools and resources for homebuyers
- Consumer Financial Protection Bureau, mortgages
*Loan amounts, rates, terms, and down payment requirements are subject to credit approval, income and asset verification, and program eligibility. Loan limits follow the annual conforming limits set by county. For 2026 the one-unit limit is $832,750, rising to $1,249,125 in higher-cost counties. Not all applicants will qualify. Saxton Mortgage, LLC is an Equal Housing Lender.