FORGIVABLE OR REPAYABLE SECOND-LIEN

Boost DPA Program — Down Payment & Closing Cost Assistance

Empower your home purchase with flexible second-lien financing designed to cover your down payment and closing costs. Tailored for FHA and USDA buyers with tailored forgiveness milestones.

Program Overview & Structure

The Boost Program provides exceptional financial muscle by offering 3.5% or 5% assistance structured as a second-lien. Designed specifically to pair seamlessly with FHA and USDA home loan products.

Option A: 30-Year Forgivable Second

Your second-lien assistance is completely forgiven after 60 consecutive on-time monthly payments on your primary mortgage. Stay in your home and make your payments on time, and the assistance turns into a permanent grant!

Option B: Repayable Structure

If you prefer standard long-term amortization without the forgiveness occupancy timeline, choose the repayable second-lien format with predictable monthly payments and low rates.

Interactive Boost Grant Estimator

Enter your home purchase price to instantly estimate your Boost FHA/USDA assistance amount:

Estimated Purchase Price ($):

Select Assistance Tier:

Estimated Assistance Fund:

$12,250

How It Works

Program Selection

Choose between our 3.5% or 5% assistance tier alongside your FHA or USDA baseline loan.

Structure Choice

Select either the 60-month forgiveness track or the conventional amortized repayment structure.

Closing & Tracking

Funds cover your initial capital barriers, setting you up for smooth homeownership milestones.

Calculate Your Boost Program Impact

See how a 3.5% or 5% second lien changes your cash-to-close using our secure eligibility tool.

Check Boost Eligibility

Frequently Asked Questions About the Boost Program

How does the 60-month forgiveness work on the Boost program?
If you select the forgivable track, your second-lien balance is systematically forgiven after you complete 60 on-time monthly payments on your primary FHA or USDA mortgage.

Can I use Boost with a USDA loan?
Yes! Boost is specifically optimized to support both FHA and USDA rural housing financing options.

What happens if I sell my home before 60 months?
Under the forgivable option, if the property is sold or refinanced before the 60-month milestone, the remaining balance of the second lien becomes due.