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Down Payment Assistance

Watch Quick Introduction

DPA with Conventional Loan, FHA or VA Loan


100% financing options available
(DPA proceeds can be used for down payment & closing costs)
Lower Mortgage Insurance & lower interest rate for borrowers with income less than 80% area median
Seamless in-house underwriting, Quick closes (no separate applications required to secure DPA)
Unlike other programs, borrowers do not get additional pricing hits for lower credit scores
No Mortgage Insurance with 20% down payment (17% borrower funds and 3% from DPA for 20% total down payment)
No monthly payments need to be made on DPA
DPA can be paired with borrower funds
No equity sharing. 100% of equity belongs to borrower


You get a pre-approval letter and/or suggestions to get on path to homeownership.

(A soft credit check is not a hard credit hit on your credit and does not reflect as a credit inquiry.)

No Credit Check . No Income Documents.
Good to start the dialogue.

Down Payment Assistance Information

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6101 Bollinger Canyon Rd #344, San Ramon, CA 94583
Toll Free Call : (866) 280-0020

Copyright ©2024 Shining Star Funding A division of American Pacific Mortgage Corporation | NMLS ID # 1850 ( | 6101 Bollinger Canyon Rd #344, San Ramon, CA 94583 Phone (925) 820-2981 | Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act.

Interactive calculators are self-help tools. Results received from this calculator are designed for comparative and illustrative purposes only, and accuracy is not guaranteed. Shining Star Funding is not responsible for any errors, omissions, or misrepresentations. This calculator does not have the ability to pre-qualify you for any loan program or promotion. Qualification for loan programs may require additional information such as credit scores and cash reserves which is not gathered in this calculator. Information such as interest rates and pricing are subject to change at any time and without notice. Additional fees such as HOA dues are not included in calculations. All information such as interest rates, taxes, insurance, PMI payments, etc. are estimates and should be used for comparison only. Shining Star Funding does not guarantee any of the information obtained by this calculator.

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