Horizon Program — Down Payment & Closing Cost Assistance
Expand your purchasing horizon with adaptable second-lien financing designed to cover both down payment and closing costs. Tailored configuration options to match your exact financial objectives.
Program Overview & Structure
The Horizon Program delivers comprehensive financial backing through flexible second-lien options. Whether you choose the long-term benefit of a forgivable structure or the structured stability of a repayable second mortgage, Horizon adapts smoothly to your loan profile.
Forgivable Second Mortgage
Achieve complete balance forgiveness over time based on continuous owner-occupancy and consistent on-time payments on your primary mortgage.
Repayable Second Mortgage
Utilize a predictable low-interest second-lien format structured with manageable monthly terms to bridge your exact capital requirements.
Interactive Horizon Assistance Estimator
Enter your home purchase price to instantly estimate your Horizon assistance allocation:
Estimated Assistance Amount:
$17,500
How It Works
Loan Pairing
We align your primary baseline mortgage with the optimal Horizon assistance tier (3.5% or 5%).
Structure Selection
Choose between the long-term forgiveness milestone track or standard amortized repayment.
Seamless Settlement
Funds are applied securely at closing, minimizing your upfront out-of-pocket cash requirements.
Explore Your Horizon Program Options
Check your eligibility for second-lien assistance instantly using our secure calculator.
Check Horizon EligibilityFrequently Asked Questions About the Horizon Program
What is the difference between forgivable and repayable under Horizon?
The forgivable option gradually writes off your second-lien balance based on continuous residency and payment milestones, while the repayable option involves structured monthly payments over a set term.
What loan types are eligible to pair with Horizon?
Horizon is specifically structured to integrate with standard government-backed and conventional financing guidelines depending on your specific scenario.
Does checking my eligibility require a hard credit pull?
Never. Our evaluation runs entirely through soft-inquiry checks to safeguard your credit score.