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The Home Vet Fund program offers grants for down payment and closing costs to first-time home buyers of modest means who are, or who have, valiantly worked to protect our country’s national security.

Eligibility requirements for applicants:
1 - Active Duty, Reserve, National Guard or veteran
2 - First-time home buyer, or you have not owned a home for the last three years, or you have lost your home through divorce or disaster
3 - Gross annual income of all applicants used to qualify for mortgage is no more than 80% of area median income, adjusted for household size.  Call us for income limits for your area..

How much can you get?
The amount of the grant is determined by a 2-to-1 match of the borrower's contribution to their mortgage in earnest deposit and cash brought at closing with a maximum grant of $5,000.  You must contribute a minimum of $500.  For example. If you contribute $2,500 then you will receive and additional $5,000. for a total of $7,500

Mortgage requirements:
1 - All types of Mortgages are accepted (e.g. VA, FHA, Conventional-Traditional 30 year).
2 - The property must be a single-family dwelling including townhomes and condominiums
3 - You must have 3% down payment. Your grant can cover much of that down payment. For example. if you were buying a $250,000 home, you would need a total of $7,500 down.  This can be covered by your $2,500 and then grant providing you with $5,000.

Why do you need this if the VA program offers zero down financing?
Some may not qualify for VA financing.  Our grant can be used with most types of mortgage financing, not just VA.
Or you can still use the VA financing program but this will provide you with additional funds to lower your balance and lower your monthly payment.


Do you need to repay this grant?
No. once you have been awarded the grant through your home purchase, you never have to repay it.