FORGIVABLE OR REPAYABLE SECOND-LIEN

Aurora DPA Program — FHA-Based Down Payment Assistance

Secure specialized FHA-tailored financial backing with the Aurora Program. Offering flexible 3.5% or 5% second-lien structures configured to match your long-term homeownership strategy.

Program Overview & Structure

The Aurora Program is explicitly engineered to integrate with FHA financing, delivering 3.5% or 5% down payment assistance. Whether you need the long-term security of a forgivable structure or a standard repayable second mortgage, Aurora adapts to your financial profile.

Forgivable Second Mortgage

Build equity safely with assistance that amortizes and forgives over time based on continuous owner-occupancy and timely primary payments.

Repayable Second Mortgage

Utilize a low-interest second-lien option structured with predictable monthly terms to bridge your exact cash-to-close gap.

Interactive Aurora Grant Estimator

Enter your home purchase price to instantly estimate your Aurora FHA assistance amount:

Estimated Purchase Price ($):

Select Assistance Tier:

Estimated Assistance Fund:

$12,250

How It Works

FHA Loan Pairing

We match your primary FHA mortgage with the Aurora assistance tier (3.5% or 5%).

Term Configuration

Choose between the forgivable milestone format or the traditional repayable second structure.

Streamlined Closing

Funds are applied directly at settlement, minimizing your out-of-pocket expenses.

Explore Your Aurora Program Options

Check your eligibility for 3.5% or 5% FHA-based assistance instantly using our secure calculator.

Check Aurora Eligibility

Frequently Asked Questions About the Aurora Program

Is the Aurora program strictly for FHA loans?
Yes, Aurora is specifically designed as an FHA-based down payment assistance solution providing 3.5% or 5% funding.

What is the difference between the forgivable and repayable structures?
The forgivable option reduces or writes off the second lien based on occupancy and payment milestones, whereas the repayable option involves structured monthly payments over time.

Does checking my eligibility require a hard credit pull?
Never. Our evaluation runs entirely through soft-inquiry checks to protect your credit score.