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The Down Payment and Closing Cost Assistance Program (DPCCAP) provides financial assistance to eligible first-time homebuyers in the City who are interested in purchasing an existing or newly constructed residential unit.

What types of loans and repayment options are available through DPCCAP?

  • First-time homeowners under 80% of the Area Median Income (AMI) can receive up to $7,500 for down payment and closing cost assistance in the form of a 0% interest, 5-year deferred loan.*

  • First-time homeowners between 80% AMI and 115% AMI can receive up to $5,000 for down payment and closing cost assistance in the form of a 0% interest, 10-year deferred loan.*

  • No payments are made during the term of the loan if residency requirements are met.

*Please refer to this chart to check your eligibility.

Household Size





















Eligibility Requirements

  • The borrower’s annual gross household income may not exceed 115% of the AMI.

  • The borrower must be purchasing the home as their primary residence and have their name on the deed.

  • The borrower must not have any outstanding City, School, and County real estate taxes, or the borrower must be on a payment plan for at least six months.

  • The borrower's lender must complete the application. The lender will submit the application into the URA on the borrower's behalf.

  • The borrower must complete a U.S. Department of Housing and Urban Development (HUD) Certified First-Time Homebuyer Course administered by a HUD certified counselor.

  • The URA must receive the application at least 21 days prior to the desired closing date.

Eligible Properties

  • A permanent structure used primarily for year-round residential use. If the property to be improved is vacant, the borrower must certify in writing prior to closing his/her intent to occupy the property within 30 days upon work completion.

  • Each property may contain up to two connected dwelling units (i.e., duplex, townhouse), one of which must be owner-occupied.

Download Program Summary - English

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Download Program Summary - Russian

Download Program Summary - Spanish

Download Program Summary - Swahili 

Language translation is available free of charge. Please send an email to


2020 HUD Approved Housing Counseling Agencies

Download Application: Down Payment/Closing Cost Assistance Application



If you would like to submit an application, have questions or need assistance, please contact:

Phone: 412-255-6694, ext 6721


For more information, please contact Natalie Lopez, Program Assistant, at 412.255.6574 or via email at

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