QualifySee What You Qualify For
Takes 90 seconds · Programs for every income bracket
The math is on your side.
Every number below represents a real outcome for a real family. The programs exist. The question is whether you know about them.
Average closing time
While the national average sits at 43 days, our lender network is pre-approved for FHA and USDA processing — meaning your file moves faster through underwriting.
Priya N., a night-shift ICU nurse in Columbus, closed in 19 days on her first home using an Ohio Housing Finance Agency bond.
Average down payment
Down payment assistance programs in 48 states cover the gap between your savings and the minimum required. The money comes as a grant or a forgivable second mortgage — it never has to be repaid if you stay in the home.
Marcus and Deondra T. put $0 out of pocket on a $187,000 home in rural Georgia through the USDA Guaranteed Loan program.
Assistance programs per state
The average state has 12 distinct mortgage assistance programs — most borrowers only know about one. We cross-reference your income, ZIP code, and credit profile against all of them simultaneously.
Single mother Tamara W. in Phoenix qualified for the Arizona Home Plus program after being declined twice by her bank.
The programs exist.
You just need someone to find them.
We cross-reference your profile against every federal and state program simultaneously.
FHA Loan
3.5% down. Credit scores from 580.
3.5%
Min. Down
580+
Min. Credit
No limit
Income Limit
The most accessible path to ownership for buyers with imperfect credit histories.
USDA Guaranteed
Zero down payment. Rural & suburban.
0%
Min. Down
640+
Min. Credit
≤115% AMI
Income Limit
Rates 0.5–0.75% lower than FHA. No down payment required in eligible zip codes.
State Bond Programs
Up to $15,000 in closing assistance.
0–3%
Min. Down
620+
Min. Credit
Varies by state
Income Limit
Forgivable second mortgages that cover your down payment — never repaid if you stay 5 years.
HomeReady / HomePossible
3% down. No PMI after 20% equity.
3%
Min. Down
620+
Min. Credit
≤80% AMI
Income Limit
Flexible income sources count — rental income, boarder income, and family contributions all qualify.
Not sure which applies to you?
The approval letter
is real. So are they.
Income brackets, programs, and outcomes — actual numbers from actual closings.
Priya N.
ICU Nurse, Night Shift · Columbus, OH
"I checked rates on my lunch break not expecting anything. I had a pre-approval by the time my shift ended."
Marcus & Deondra T.
Warehouse Supervisor & Teacher · Macon, GA
"Our mortgage payment is $140 less than our rent was. We own something now."
Tamara W.
Single Parent, Medical Coder · Phoenix, AZ
"The program existed the whole time. Nobody told me about it until Qualify did."
4,200+
families approved since 2021
Average income of approved borrowers: $49,800/year. Average down payment: $3,200. Average time from application to keys: 26 days.
Check programs
in your state.
Just your ZIP code.
Not ready to share your name? Start here. Enter your ZIP and see every program available in your area — no personal information required.
Programs in Your Area
Enter your ZIP code to see available assistance programs
Results typically show 3–6 programs per ZIP code