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Free Down Payments - Partners In Charity Program

PIC is a non-profit organization dedicated to helping you become a homeowner. Our mission is to gift down payments to qualified buyers and help the community as a result.  PIC provides a down payment with no repayment and no second mortgage or lien of any type.  It is a true gift to you!

Over 200,000 homebuyers nationwide have benefited from down payment assistance programs! We'll give you 2% to 10% down payment on your home purchase, depending on your needs.

Step One:  Let us know you want to be a homeowner by clicking here.  When you fill out your information, we’ll add you to our “Grant Reservation List”. 

Step Two:  Next, we’ll refer you to a “PIC Mortgage Specialist”.  This is a person who is trained and knowledgeable about the Partners In Charity program. Or, if you already have a lender, have them contact us and we’ll teach them about the program. The lender will help you find the right mortgage, determine the down payment that you need, and notify us of the amount of the gift on your behalf.             

Step Three:  Once you’ve been pre-qualified for a mortgage, your PIC Mortgage Specialist will refer you to a Realtor or Builder who will show you homes in your price range.  You may use any Realtor or Builder of your choice, but it is important that the professional you choose understands the Partners In Charity Program.  This will ensure an easy and simple home buying adventure.

Step Four:  Once you’ve found a home, your Realtor or Builder will assist you in making a fair offer on the property you chose.  Since the seller is required to participate in the program, it’s important to discuss what would be a fair offer with your Realtor or Builder.

Step Five:  Now that you’ve found a home, your lender will finish the mortgage process by sending an appraiser to the property just to make sure you didn’t overpay for the property and that the property is in good condition.

Step Six:  Once the lender receives the appraisal report back from the appraiser, they can approve your mortgage for that property and secure an interest rate for you.

Step Seven: Now that your loan is approved and your lender has set a closing date for you, your lender will request your gift from Partners In Charity.  If the lender approves your mortgage, you will receive a gift from Partners In Charity.

Step Eight: Prior to your closing, Partners In Charity will wire your gift to the closing or escrow company.  This is the company who will ensure proper signing and recording of your mortgage documents.  Your lender will refer to them as a title or escrow company.

Step Nine:  After closing, it’s time to move into your new home!  All that we ask from you is that you refer someone else that you know needs a down payment and would like to own a home.  We’ll take care of the rest.

All images and text © Copyright JB Slemmer 2000, 2001, 2002, 2003, 2004, 2005, 2006 - email me at 

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