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Hi, I'm Al and I'm a Bank of America lending specialist here to help with your home loan needs.

On this page, you'll find tools and resources to help you understand your home loan options. While you're browsing, my website will help guide and refer you to informative content, ensuring you're having the best experience possible.

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Bank of America Down Payment Center

Saving to buy a home?
Here's how to find help.

Bank of America is committed to helping you thrive through the power of homeownership. Bank of America Community Homeownership Commitment™ program provides solutions for modest-income and first-time homebuyers, including affordable mortgages, grant programs, resources and expertise.

Our Down Payment CenterFootnote 1 is a resource to help search for programs you may be eligible for, including our America's Home Grant®Footnote 2 and Down Payment Grant programFootnote 3. Many state and local organizations offer programs that could help you with the up-front costs of buying a home also. When combined with a 3% down payment mortgage—such as our Affordable Loan Solution® mortgageFootnote 4 and the Freddie Mac Home Possible® mortgageFootnote 4—these programs can help make buying a home more affordable.

Simply select your state to search for programs you may be eligible for and then connect with your lending specialist about other down payment and closing cost options. If your state is not listed, please ask your lending specialist about other down payment and closing cost options.

Up to $7,500 closing cost help

Qualified homebuyers may receive a lender credit for nonrecurring closing costs through our America's Home Grant® program in select markets.Footnote 2

Select your state above to see if this program is available in your area.

Up to $10,000 in down payment help

Qualified homebuyers may receive 3% of the purchase price with a maximum $10,000 (whichever is less) through our Down Payment Grant program in select markets. Limited to two mortgage products.Footnote 3

Select your state above to see if this program is available in your area.

Homebuyer grants

Visit the Bank of America Real Estate Center®Footnote 5 to search for specific homes that may qualify for America's Home Grant® and Down Payment Grant programs.

Homebuyer education

The Bank of America First-Time Homebuyer Online Edu-Series™ educates first-time homebuyers about affordable mortgages, down payment and closing cost grants and 5 steps to home buying. Available in English and Spanish.