Homeownership Council of America (HCA) Equity DPA Program

Program is for low income and BIPOC homebuyers.

Maximum Amount

3% of Purchase Price


  • Up to 3% of the purchase price towards down payment assistance.
  • 0% interest rate.
  • Deferred, 5-year forgivable loan.
  • No prepayment penalty.
  • No sales price limit.
  • Eligible transactions include Home Purchase and Re-subordination (rate/term refinance – no cash out).

Participating Lenders

Lender is the borrower’s choice, lender is to receive approval from HCA

Approved Education Providers

Homebuyer Education performed by a HUD- approved organization or GSE approve online course is required

Certificate of Completion documented by one of the following:
HUD-approved Housing Counseling Agency

Program Provider Contact

Email: equitydpa@homeownershipcouncil.org