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Down Payment Assistance

Get help with down payments and closing costs through state and local programs.

What is Down Payment Assistance?

ReNew Lending offers many different Down Payment Assistance (DPA) programs across multiple states. We're constantly researching ways to help our clients afford the American dream of homeownership.

DPA programs let people purchase a home without needing to save a large down payment. Each state offers different programs with unique benefits. Many programs may provide grants or forgivable loans that work alongside FHA, VA, USDA, and conventional financing.

Important: Program availability, benefits, and eligibility requirements vary by location, funding availability, and loan program. Not all borrowers will qualify. Terms subject to change.

DPA Benefits

Down Payment Help

Assistance with required down payments to reduce out-of-pocket costs

Closing Cost Support

Help covering closing costs and other settlement expenses

Multiple Loan Types

DPA may work with FHA, VA, USDA, and conventional loans

Streamlined Process

Designed to support your home purchase timeline when available

Available DPA Programs

Home is Possible®

Down payment and closing cost assistance for eligible Nevada homebuyers

  • Down payment and closing cost assistance for eligible Nevada homebuyers
  • Program eligibility based on income and purchase price limits
  • May be paired with approved FHA, VA, or conventional loan programs
  • Assistance may be provided as a grant or forgivable second lien
  • Typically designed for first-time homebuyers
Home is Possible® for Heroes

Specialized assistance for eligible military service members

  • Specialized down payment and closing cost assistance for eligible military service members and other qualifying heroes
  • Program eligibility based on income, occupation, and purchase criteria
  • May offer enhanced assistance compared to standard programs
  • Assistance may be structured as a grant or forgivable loan
  • Loan program pairing subject to program approval
Home is Possible® for Teachers

Down payment assistance for eligible Nevada educators

  • Down payment and closing cost assistance for eligible Nevada educators
  • Designed to support teachers and education professionals
  • Assistance may include grant or forgivable loan options
  • Loan program compatibility subject to program guidelines
  • Income and purchase price limits apply
Home At Last®

Assistance for eligible buyers in rural Nevada areas

  • Down payment and closing cost assistance for eligible buyers in rural Nevada areas
  • Program eligibility based on location, income, and purchase price
  • May be paired with USDA or other approved loan programs
  • Designed to support rural and community development initiatives

ReNew Lending + Sage Hospitality Group

ReNew Lending provides Sage Hospitality Group employees with exclusive mortgage discounts and personalized concierge service. Participation in this program is entirely optional. Sage Hospitality Group does not require employees to use ReNew Lending and does not receive compensation or other benefits from employee participation. Employees are free to work with any mortgage provider of their choosing.

© 2026 ReNew Lending, Inc. All Rights Reserved.

Equal Housing Opportunity

ReNew Lending, Inc. - Licensed Mortgage Banker

NMLS #187023 | 1155 West 4th Street, Suite 220, Reno, NV 89503 | 1-702-527-3348 | sage@renewlending.com

State Licensing: Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act (CA Mortgage Bankers License #4170049). Licensed by the State of Nevada Department of Business and Industry as a Mortgage Banker (NV Mortgage Bankers License #3384). AZ: ADFI License #0927034, NMLS #1191954. Additional locations: 8330 W Sahara Ave Suite 240, Las Vegas, NV 89117; 2365 B Renaissance Drive, Las Vegas, NV 89119; 11120 E. Bajada Dr., Scottsdale, AZ 85262; 1819 S. Dobson Rd. Suite 216, Mesa, AZ 85202; 1110 NorthChase Parkway, Suite 275, Marietta GA 30067. Licensed in NV, CA, AZ, TX, NC, SC, GA, FL, WA, MT, CO, TN. For complete licensing information, visit www.nmlsconsumeraccess.org

General Disclaimer: This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates, and programs are subject to change without prior notice. All products are subject to credit and underwriting approval. Not all products are available in all states or for all loan amounts. Estimated rates and savings are for illustrative purposes only and do not constitute a guarantee. Other restrictions and limitations apply. Not intended for legal or financial advice—consult your own professionals if such advice is needed.

Employee Program: This exclusive program is available only to eligible Sage Hospitality Group employees. Program terms, rates, and benefits are subject to change and must be verified at time of application. Employment verification required. Savings estimates may not represent typical results and are subject to individual circumstances.

Equal Housing Opportunity: ReNew Lending is an Equal Housing Lender. All qualified applicants will receive consideration for credit without regard to race, color, religion, sex, handicap, familial status, or national origin.

TEXAS RESIDENTS - CONSUMER PROTECTION NOTICE

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.

THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV.