What is Pathway DPA?
Pathway DPA is American Pacific Mortgage's exclusive down payment assistance program designed to make homeownership more affordable for first-time buyers. This program pairs a 30-year fixed FHA loan with assistance to cover upfront costs, helping you move into your new home faster and with less stress.
Key Benefits:
Assistance covering 3.5% or 5% of the purchase price- In-house program for streamlined processing
- Affordable second mortgage with lower costs than traditional programs
How Our Pathway DPA Program Works
Choose a 30-year fixed FHA loan with a competitive rate.
Select from 3.5% or 5% assistance, based on the purchase price or appraised value.
The assistance comes as a 10-year fixed-rate second mortgage, priced just 2% higher than your primary loan rate.
Use the assistance to cover your down payment, reducing upfront costs.
What Makes Our Pathway DPA Program Different
Affordable
Second Mortgage
Enjoy a 10-year fixed-rate loan at only 2% higher than your primary rate
Flexible
Assistance Options
Choose the assistance amount that works best for you: 3.5% or 5%
Lower
Costs
Pathway DPA offers lower costs than traditional down payment assistance programs
Simple and
Convenient
Our in-house program means less hassle and a faster path to homeownership
Are You Eligible?
To qualify for Pathway DPA, you’ll need: A minimum credit score of 580 Eligibility for a 30-year fixed FHA loan Your home purchase must meet program guidelines