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Your starting point
“We earn enough, but one score is dragging us down.”
Two incomes are a strong position. A lender or counselor can show whether applying solo, or spending a few months on one score, opens better terms.
An illustrative starting plan—not personal advice. A counselor can tailor the real one.
30 days
60 days
90 days
Programs that often fit this situation across MD, DC, VA, and CT — worth reading, never a promise of eligibility.
Up to $17,500 for down payment, closing costs, or principal reduction, but all 2026 grant funds have been used.
An eligible first-time-buyer member puts 3% down, pays no PMI and receives a $750 lender credit at settlement on a loan up to $515,000.
Eligible Middlesex County residents may purchase an affordable Habitat single-family home with a no-interest mortgage after selection, education and 400 sweat-equity hours.
A 3%-down first-time-buyer mortgage with no PMI, up to 3% companion down-payment assistance, a 0.25-point rate reduction and full appraisal-fee rebate.
Lender
HUD-certified counselor
A housing counselor can review your situation and help you choose the next step—at no cost to you.