Kettisha Walker Realty

Down Payment Assistance Programs

New York • New Jersey • Pennsylvania

Buying a home may be more achievable than you think. Many buyers qualify for programs designed to help with down payments and closing costs depending on eligibility and location.

Our Down Payment Assistance Guide provides an overview of programs available to homebuyers across NY, NJ, and PA, including state housing resources and affordability programs.

Get the Down Payment Assistance Guide Explore Programs

Homebuyer Assistance Overview

Programs may help qualified buyers reduce upfront barriers to homeownership and better understand financing options before starting the purchase process.

• Down Payment Assistance • Closing Cost Support • Reduced Interest Rate Programs • First-Time Homebuyer Resources

State Program Resources

New York Programs

Explore New York homebuyer assistance resources, affordability tools, and state-backed options for buyers planning to purchase a primary residence.

Down payment and closing cost assistance resources
State housing agency information
Search tools to explore available options

Explore Down Payment Resource

View SONYMA Programs

Search NY Programs

New Jersey Programs

Review New Jersey statewide housing resources for buyers seeking help with affordability, eligibility guidance, and first-time buyer support options.

State housing agency resources
Down payment assistance information
Homebuyer support options

View NJ Homebuyer Resources

Visit NJHMFA

Search NJ Programs

Pennsylvania Programs

Learn more about Pennsylvania homebuyer assistance resources, mortgage support information, and state-level guidance for qualified buyers.

Home purchase assistance information
State housing finance resources
Guidance for affordability planning

View PHFA Resources

Explore PHFA Programs

Search PA Programs

NACA Homeownership Program

Some buyers also research NACA when exploring affordable homeownership options. NACA promotes a purchase program with features that may include:

No down payment
No closing costs
No private mortgage insurance

Buyers should review program requirements, timelines, and eligibility directly through the official NACA website.

Learn More About NACA

Important Disclosure

Kettisha Walker Realty is not affiliated with, endorsed by, sponsored by, or acting on behalf of:

NACA
SONYMA
NJHMFA
PHFA
Down Payment Resource
OneKey MLS

Program availability, eligibility requirements, funding limits, rates, and guidelines may change. Buyers should verify all details directly with the official program administrator, housing agency, counselor, or participating lender.

Information on this page is for general educational purposes only and does not guarantee qualification or approval.

Get the NY • NJ • PA Down Payment Assistance Guide

Complete the form below to unlock your downloadable guide directly on this page. Your visitor stays on your site the entire time.

First Name

Last Name

Phone

State of Interest

Purchase Timeline

Questions or comments

I consent to be contacted by Kettisha Walker Realty regarding my inquiry. I understand that program terms may change and that submitting this form does not guarantee eligibility or approval.

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Ready to Explore Your Homebuying Options?

Schedule a buyer consultation to discuss your goals, financing readiness, and next steps for buying in New York, New Jersey, or Pennsylvania.

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Frequently Asked Questions

Do I need 20% down to buy a home?

Not always. Many buyers purchase with far less depending on the loan type, eligibility, and program options available.

Are these programs only for first-time buyers?

Some are geared toward first-time buyers, while others may be open to repeat buyers depending on the program guidelines.

Does requesting the guide guarantee approval?

No. The guide is informational only. Eligibility and approval are determined by the official program administrator or lender.

Can I learn about NACA here too?

Yes. This page includes a general educational section about NACA and directs users to official resources while clearly stating that Kettisha Walker Realty is not affiliated with the program.

Contact

Kettisha Walker Realty

Exceptional Homes. Extraordinary Representation
Licensed Real Estate Brokerage
Equal Housing Opportunity

Serving New York, New Jersey & Pennsylvania
Global Markets, including the Dominican Republic & Dubai
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All information deemed reliable but not guaranteed.
IDX information is provided exclusively for consumers' personal, non-commercial use.

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Standard Operating Agreement for Buyers

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info@kettishawalkerrealty.com

232 West 116th Street #586
New York, NY 10026

365 US 211 E., Middletown, N.Y. 10940