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Applications for the program must be submitted through a Participating Lender listed. You must have a sale contract on a vacant foreclosure before you can complete an application with a Participating Lender. You must also complete a minimum 8-hour housing counseling course provided by a HUD certified housing counseling agency. Do not contact the Department of Housing and Community Development for an application. Participating Lenders
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No. The Down Payment on Your Dream program can only be used to purchase a vacant foreclosed property in one of the 33 eligible zip codes.
Attend a Participating Lender briefing and complete Participating Lender Agreement and FDIC Certification on Subprime Lending located at the Lenders Only Resource.
Yes. The Section 8 Home-Ownership Voucher may be used with the Down Payment on Your Dream Program. Contact a Participating Lender.
Take a housing counseling course and contact a Participating Lender to get pre-approved. For a list of Participating Lenders and Housing Counseling Agencies contact See the First Time Home Buyers Resource.