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Are you a first-time homebuyer?

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Is a Grant the Answer?

Grant Program

Grant up to the lesser of $25,000 or 3 percent of your first mortgage. Help cover down payment and/or closing costs. No repayment required.

2nd Mortgage Option

Alternative assistance option. Up to the lesser of $25,000 or 4 percent of your first mortgage. Repayment of loan balance deferred until the sale or refinance of the home.

At Least $1,000 Contribution

Borrowers must make a minimum borrower financial contribution of at least $1,000 toward the purchase of the home.

Less Than Perfect Credit

As low as a 620 credit score is required for down payment assistance.

How to get a grant?

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first $25k Grant
first Hi, I’m Nate. How can I help?
first Share details
first $25k Grant
first Hi, I’m Nate, How can I help?
1

Find the right home

It all starts here by choosing a home and down payment assistance option that best fits your purchase plan.

2

Find the grant program

Help to understand and follow loan estimate, loan program, interest rate, monthly payment and cash to close.

3

Painless process

Once you know your Grant options you’ll be ready to shop for a home.

Find Grant

Takes two minutes. Won’t affect your credit score.

Frequently asked questions

Q: How does a home buyer qualify for grant programs?
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Buyers must have qualifying income, all borrowers have a mid-credit score of 620 or higher and occupy as primary residence. Ask your loan officer for additional qualifications.

Q: Which program is best for me?
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Your grant depends on which program you qualify for and which program you can get approved for. Some first time programs have income limits, but do not worry we can have lenders that can review all loan options with you.

Q: Can I find a loan with no down payment and FHA Loan?
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Yes, FHA loan is an excellent choice. We also offer Conventional, VA, and USDA mortgages with down payment assistance options. Each loan has different guidelines.

Q: Can grant really help me buy a home?
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Yes, we help home buyers every day to achieve their goals of purchasing a home.

Q: What kind of home loan are available.
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Typically first time buyers like 30 year fixed loans and we can offer down payment assistance with Conventional, FHA, VA and USDA loans.

Q: What is the first step to take advantage of grant programs?
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Start with “FIND GRANT” answer the questions, connect with our real estate professionals and have your options emailed to you.

Get started in minutes

Speed matters. Which is why you can start your estimate today. Without affecting your credit score.

Find Grant

Won’t affect your credit score.

Luminate Bank | FDIC Member | NMLS 1281698 | Mortgage Banking Products are not FDIC Insured | http://www.nmlsconsumeraccess.org | Corporate Headquarters 2523 S. Wayzata Blvd., Ste 100, , Minneapolis, MN 55405 | © 2026 | Not affiliated with any government agency. All Loans are subject to underwriting approval. Terms and Conditions apply. Some loan products may not be available in all states. Subject to change without notice. * By entering your information and clicking “Submit”, "Let's Get Started", or "Apply Now" you are authorizing Luminate Bank to contact you, using the information you provided above. We may call, email or text you and Message and Data Rates may apply. You can STOP messaging by sending STOP and get more help by sending HELP. We may use automated dialing systems and prerecorded voice messaging in connection with calls or texts. This permission applies even if you are on a company, state or national Do Not Call Registry. You may opt-out of receiving these communications at any time. This consent is not requirement to obtain a loan. You may choose not to submit and contact us directly by our phone number listed. Our commitment to privacy can be found in our Privacy Policy.