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Find home buying programs.

Is a down payment keeping you from purchasing a home?

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A Different Path to Homeownership

First-time Homebuyers

Our low down payment and down payment assistance programs are perfect to help first-time homebuyers with their next purchase.

Easy Mortgage Banking

We’ve helped thousands of homebuyers navigate the mortgage process and we’ve learned that clarity, communication, and digital tools make all the difference.

Community Programs

Special programs for Teachers, Healthcare Workers, Firefighters, and Law Enforcement featuring down payment assistance, 1.5% closing cost assistance, and programs with no income limits.

Less Than Perfect?

We offer flexible loan options, including FHA loans with as little as 3.5% down (580+ credit), down payment assistance programs for qualified buyers (640+ credit), and resources to help improve credit and get mortgage-ready.

How it works

first Share a few details
first Low Down
first Hi, I'm Vic, your loan officer, How can I help?
first Share a few details
first Low Down
first Hi, I'm Vic, your loan officer, How can I help?
1

Choose your best option

It all starts here by choosing a low down payment option, say FHA Loan, that best fits your home purchase.

2

Compare down dayment options

Get an easy to follow estimate with loan program, interest rate, monthly payments and cash to close. Know what to expect.

3

Painless pre-approval*

Once you know your options you will be invited to submit an application to start the pre-approval* process

Starts Here

*Pre-approval is not a commitment to lend.

Frequently asked questions

Q: How does a homebuyer qualify for first-time home buying programs?
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Buyers must have qualifying income, be a first-time homebuyer, and occupy as primary residence. Ask your loan officer for additional qualifications.

Q: How much do I need for my down payment?
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Your down payment 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 review all loan program options with you.

Q: Do you offer a FHA Loan with 3.5% down payment?
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Yes, FHA is an excellent choice. We also offer Conventional, VA, and USDA mortgages. Each loan is has differnt guidelines.

Q: Can low down payment programs 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 fixed loans and we can offer low down Conventional, FHA, VA and USDA loans.

Q: What is the first step to take advantage of home buying programs?
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Start with “GET STARTED” answer the questions, connect with our home buyer specialist and have your options emailed to you.

Get started in minutes

Speed matters. Which is why you can get information today. Without affecting your credit score.

GET STARTED

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.