New data from Down Payment Resource shows that at the end of 2025, there were 2,619 active down payment assistance (DPA) programs nationwide — holding near record levels and up 6% year over year. Even more encouraging: flexibility is expanding.
The average DPA benefit now equals $18,000, reducing a buyer’s loan-to-value ratio by roughly 8.8%. Every U.S. county has at least one program available, and more than 2,000 counties offer 10 or more programs. Additionally, 62% of programs allow income limits above $100,000, and 10% have no income cap at all.
For factory-built housing buyers, this is significant. Many DPA programs allow assistance for factory-built homes titled as real property. This means buyers of modern factory-built homes may qualify for the same upfront cost support as site-built purchasers. With lower purchase prices in many markets, DPA dollars can stretch even further when paired with factory-built options.
As affordability remains a national challenge, near-record DPA availability and broader eligibility, combined with the affordability of factory-built housing, may open more pathways to sustainable homeownership in 2026.
Homebuyers interested in factory-built homes can find programs that they may qualify for by using our Down Payment Seeker™. After providing some basic information, buyers will receive a list of programs for which they may qualify that include factory-built housing eligibility.