India's First
Home Down Payment
Assistance Program

We help you buy your first home today by contributing up to 50% of the home down payment amount interest free.

Accelerating home ownership

Impacting a billion lives

Educating first time home buyers

Home Ownership Redefined

Discover a completely new way of home ownership through our program. Make your dream home your own home without having to think of the down payment as a hurdle.

How it works

Get your Down
Payment Assistance

Together we can

We assist you by reducing the waiting time to own your first
home by offering you interest free credit, helping you to
bring down the cost of capital.

You can afford a home worth:


Your initial payment


Our assistance

EMI: 23,063
Rate: 0%
Tenure: 12 months

Home loan

EMI: 35,311
Rate: 9%
Tenure: 25 Years

Balance Payments


Program Impact

Our Program addresses India’s most pressing challenge of housing for millions of aspiring families in India. We direct Capital to accelerate housing to generate long term social impact. HomeCapital is a pioneer and has effectively demonstrated sustainable capital deployment, creating a positive impact in the Indian housing sector.

Each home assisted through the Program is capital invested in the future of our young nation

 10000 Mn

Value of housing through the Program

8 cities

Program presence

Have questions?
We're here to help.

We have always been there for our customers.
We will be there for you too.

No, we cannot guarantee project timelines. For any issues with project delivery, homebuyers can approach their state RERAs for timely redressal of their grievances.

There are no hidden charges to avail HomeCapital down payment assistance. Processing fees charged under the program will be disclosed upfront to the homebuyer.

In case the project of your choice is not listed in HomeCapital’s offerings, please write to us at or  with the project details. We will try to include the project of your choice with the best of our efforts. However, we cannot guarantee the same as onboarding projects and developers depend on a number of factors that may be beyond the control of HomeCapital.

We review the track record of developers to include them in the program and only partner with leading developers across major cities. Every property goes through systematic due diligence with key focus on the developer background, delivery track record, credit profile, corporate governance, real estate portfolio analysis, micro market review, supply and demand analysis and other related factors.

The down payment assistance is to be repaid in 12 interest free equated monthly instalments by the homebuyer. There are no prepayment charges. The user can opt for foreclosure at any point of time during the repayment period.

Join our community

Join our community of first time home buyers to get insights and guidance to accelerate your home ownership.

Data Security

We use bank-level security for your protection.

Your information is encrypted with an AES 256 bit symmetric key.
Your connection to HomeCapital is always encrypted over HTTPS with Transport Layer Security (TLS). HomeCapital applications and data are physically located in multiple secure data centers. We utilize Amazon Web Services for our hosting which is compliant with numerous security certifications.


The HomeCapital "Portal" and all its contents are only for the purpose of providing information regarding the HomeCapital Down Payment Assistance Program and should not be construed as binding. By using this website, you accept our Terms of Use and Privacy Policy. We are not a lending institution. All loans are made by our financial institution partners. The real estate properties listed on the Portal are not an advertisement or a solicitation and the customer shall independently review and verify the credentials of the project and/or the developer.

HCPL and it's partners reserve the right to reject any application at any time without notice. To qualify, a borrower must be a Indian citizen and meet our financial partners underwriting requirements. To check for an applicant’s eligibility, our lending partner will request your full credit report from one or more credit bureaus. Not all applicants receive the down payment assistance. To qualify for the program, you must have a responsible financial history and meet other conditions. Assistance limits displayed are indicative, actual limits will depend on number of factors. If approved, your program assistance tenure will depend on a variety of factors, including down payment assistance amount, repayment capacity, a responsible financial history, years of experience, income, home-loan to value ratio and other factors.

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