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How to apply for a down payment assistance to purchase your first home

General

  • How can I check my HomeCapital home down payment assistance eligibility?
  • Does HomeCapital advise on project selection?
  • Who can avail HomeCapital’s home down payment assistance?
  • Is having a home loan approved necessary for availing home down payment assistance?
  • Can I get pre-approved down payment assistance?
  • How can I avail down payment assistance on your website?
  • Why do I need to create an account with HomeCapital?

How can I check my HomeCapital home down payment assistance eligibility?

<div class="ewd-ufaq-faq-list ewd-ufaq-page-type-load_more" id='ewd-ufaq-faq-list'> <input type='hidden' name='show_on_load' value='' id='ewd-ufaq-show-on-load' /> <input type='hidden' name='include_category' value='' id='ewd-ufaq-include-category' /> <input type='hidden' name='exclude_category' value='' id='ewd-ufaq-exclude-category' /> <input type='hidden' name='orderby' value='date' id='ewd-ufaq-orderby' /> <input type='hidden' name='order' value='desc' id='ewd-ufaq-order' /> <input type='hidden' name='post_count' value='-1' id='ewd-ufaq-post-count' /> <input type='hidden' name='current_url' value='/wp-json/wp/v2/ufaq/?post_type=ufaq&amp;ufaq-category=3' id='ewd-ufaq-current-url' /> <div class='ewd-ufaq-faqs'> <div class="ewd-ufaq-faq-div ewd-ufaq-faq-column-count-one ewd-ufaq-faq-responsive-columns- ewd-ufaq-faq-display-style-default" id='ewd-ufaq-post-33-a2E6Rtzk8V' data-post_id='33'> <div class='ewd-ufaq-faq-title '> <a class='ewd-ufaq-post-margin' href='https://cms.homecapital.in/ufaqs/how-can-i-check-my-homecapital-home-down-payment-assistance-eligibility/'> <div class='ewd-ufaq-post-margin-symbol ewd-ufaq-square'> <span >A</span> </div> <div class='ewd-ufaq-faq-title-text'> <h4> How can I check my HomeCapital home down payment assistance eligibility? </h4> </div> <div class='ewd-ufaq-clear'></div> </a> </div> <div class='ewd-ufaq-faq-body ' > <div class='ewd-ufaq-post-margin ewd-ufaq-faq-post'> <p>You can check your home down payment assistance eligibility amount and your home loan eligibility amount using the calculators in the Home Finance section of our website.</p> </div> <div class='ewd-ufaq-faq-custom-fields'> </div> </div> </div> </div> </div>

Does HomeCapital advise on project selection?

<div class="ewd-ufaq-faq-list ewd-ufaq-page-type-load_more" id='ewd-ufaq-faq-list'> <input type='hidden' name='show_on_load' value='' id='ewd-ufaq-show-on-load' /> <input type='hidden' name='include_category' value='' id='ewd-ufaq-include-category' /> <input type='hidden' name='exclude_category' value='' id='ewd-ufaq-exclude-category' /> <input type='hidden' name='orderby' value='date' id='ewd-ufaq-orderby' /> <input type='hidden' name='order' value='desc' id='ewd-ufaq-order' /> <input type='hidden' name='post_count' value='-1' id='ewd-ufaq-post-count' /> <input type='hidden' name='current_url' value='/wp-json/wp/v2/ufaq/?post_type=ufaq&amp;ufaq-category=3' id='ewd-ufaq-current-url' /> <div class='ewd-ufaq-faqs'> <div class="ewd-ufaq-faq-div ewd-ufaq-faq-column-count-one ewd-ufaq-faq-responsive-columns- ewd-ufaq-faq-display-style-default" id='ewd-ufaq-post-30-DIKjY2SvWB' data-post_id='30'> <div class='ewd-ufaq-faq-title '> <a class='ewd-ufaq-post-margin' href='https://cms.homecapital.in/ufaqs/does-homecapital-advise-on-project-selection/'> <div class='ewd-ufaq-post-margin-symbol ewd-ufaq-square'> <span >A</span> </div> <div class='ewd-ufaq-faq-title-text'> <h4> Does HomeCapital advise on project selection? </h4> </div> <div class='ewd-ufaq-clear'></div> </a> </div> <div class='ewd-ufaq-faq-body ' > <div class='ewd-ufaq-post-margin ewd-ufaq-faq-post'> <p>No, we don’t advise users to go for any specific project. We perform an independent analysis on all the listed projects. The homebuyer selects a project depending on its unique parameters like preferred city, locality, budget etc.<br></p> </div> <div class='ewd-ufaq-faq-custom-fields'> </div> </div> </div> </div> </div>

Who can avail HomeCapital’s home down payment assistance?

<div class="ewd-ufaq-faq-list ewd-ufaq-page-type-load_more" id='ewd-ufaq-faq-list'> <input type='hidden' name='show_on_load' value='' id='ewd-ufaq-show-on-load' /> <input type='hidden' name='include_category' value='' id='ewd-ufaq-include-category' /> <input type='hidden' name='exclude_category' value='' id='ewd-ufaq-exclude-category' /> <input type='hidden' name='orderby' value='date' id='ewd-ufaq-orderby' /> <input type='hidden' name='order' value='desc' id='ewd-ufaq-order' /> <input type='hidden' name='post_count' value='-1' id='ewd-ufaq-post-count' /> <input type='hidden' name='current_url' value='/wp-json/wp/v2/ufaq/?post_type=ufaq&amp;ufaq-category=3' id='ewd-ufaq-current-url' /> <div class='ewd-ufaq-faqs'> <div class="ewd-ufaq-faq-div ewd-ufaq-faq-column-count-one ewd-ufaq-faq-responsive-columns- ewd-ufaq-faq-display-style-default" id='ewd-ufaq-post-27-jSp0T57Sy5' data-post_id='27'> <div class='ewd-ufaq-faq-title '> <a class='ewd-ufaq-post-margin' href='https://cms.homecapital.in/ufaqs/who-can-avail-homecapitals-home-down-payment-assistance/'> <div class='ewd-ufaq-post-margin-symbol ewd-ufaq-square'> <span >A</span> </div> <div class='ewd-ufaq-faq-title-text'> <h4> Who can avail HomeCapital’s home down payment assistance? </h4> </div> <div class='ewd-ufaq-clear'></div> </a> </div> <div class='ewd-ufaq-faq-body ' > <div class='ewd-ufaq-post-margin ewd-ufaq-faq-post'> <p>Any resident Indian within the age group of 25 &#8211; 58 years with a stable income and sound credit track record looking to buy a home for their family can apply for the HomeCapital Program. Please note that you can avail HomeCapital’s down payment assistance only if you buy your home in the residential projects listed on our Offerings page.</p> </div> <div class='ewd-ufaq-faq-custom-fields'> </div> </div> </div> </div> </div>

Is having a home loan approved necessary for availing home down payment assistance?

<div class="ewd-ufaq-faq-list ewd-ufaq-page-type-load_more" id='ewd-ufaq-faq-list'> <input type='hidden' name='show_on_load' value='' id='ewd-ufaq-show-on-load' /> <input type='hidden' name='include_category' value='' id='ewd-ufaq-include-category' /> <input type='hidden' name='exclude_category' value='' id='ewd-ufaq-exclude-category' /> <input type='hidden' name='orderby' value='date' id='ewd-ufaq-orderby' /> <input type='hidden' name='order' value='desc' id='ewd-ufaq-order' /> <input type='hidden' name='post_count' value='-1' id='ewd-ufaq-post-count' /> <input type='hidden' name='current_url' value='/wp-json/wp/v2/ufaq/?post_type=ufaq&amp;ufaq-category=3' id='ewd-ufaq-current-url' /> <div class='ewd-ufaq-faqs'> <div class="ewd-ufaq-faq-div ewd-ufaq-faq-column-count-one ewd-ufaq-faq-responsive-columns- ewd-ufaq-faq-display-style-default" id='ewd-ufaq-post-23-5xDtyPWiMI' data-post_id='23'> <div class='ewd-ufaq-faq-title '> <a class='ewd-ufaq-post-margin' href='https://cms.homecapital.in/ufaqs/is-having-a-home-loan-approved-necessary-for-availing-home-down-payment-assistance/'> <div class='ewd-ufaq-post-margin-symbol ewd-ufaq-square'> <span >A</span> </div> <div class='ewd-ufaq-faq-title-text'> <h4> Is having a home loan approved necessary for availing home down payment assistance? </h4> </div> <div class='ewd-ufaq-clear'></div> </a> </div> <div class='ewd-ufaq-faq-body ' > <div class='ewd-ufaq-post-margin ewd-ufaq-faq-post'> <p>No. You can avail HomeCapital down payment assistance even without a home loan sanction, provided you undertake to make your balance payments from your own sources or arrange a home loan at a later date.</p> </div> <div class='ewd-ufaq-faq-custom-fields'> </div> </div> </div> </div> </div>

Can I get pre-approved down payment assistance?

<div class="ewd-ufaq-faq-list ewd-ufaq-page-type-load_more" id='ewd-ufaq-faq-list'> <input type='hidden' name='show_on_load' value='' id='ewd-ufaq-show-on-load' /> <input type='hidden' name='include_category' value='' id='ewd-ufaq-include-category' /> <input type='hidden' name='exclude_category' value='' id='ewd-ufaq-exclude-category' /> <input type='hidden' name='orderby' value='date' id='ewd-ufaq-orderby' /> <input type='hidden' name='order' value='desc' id='ewd-ufaq-order' /> <input type='hidden' name='post_count' value='-1' id='ewd-ufaq-post-count' /> <input type='hidden' name='current_url' value='/wp-json/wp/v2/ufaq/?post_type=ufaq&amp;ufaq-category=3' id='ewd-ufaq-current-url' /> <div class='ewd-ufaq-faqs'> <div class="ewd-ufaq-faq-div ewd-ufaq-faq-column-count-one ewd-ufaq-faq-responsive-columns- ewd-ufaq-faq-display-style-default" id='ewd-ufaq-post-22-Uf6XGqMwpX' data-post_id='22'> <div class='ewd-ufaq-faq-title '> <a class='ewd-ufaq-post-margin' href='https://cms.homecapital.in/ufaqs/can-i-get-pre-approved-down-payment-assistance/'> <div class='ewd-ufaq-post-margin-symbol ewd-ufaq-square'> <span >A</span> </div> <div class='ewd-ufaq-faq-title-text'> <h4> Can I get pre-approved down payment assistance? </h4> </div> <div class='ewd-ufaq-clear'></div> </a> </div> <div class='ewd-ufaq-faq-body ' > <div class='ewd-ufaq-post-margin ewd-ufaq-faq-post'> <p>Yes, you can apply on our website:<a href="https://homecapital.in/"> https://homecapital.in/</a> to get a pre-approved down payment assistance.<br></p> </div> <div class='ewd-ufaq-faq-custom-fields'> </div> </div> </div> </div> </div>

How can I avail down payment assistance on your website?

<div class="ewd-ufaq-faq-list ewd-ufaq-page-type-load_more" id='ewd-ufaq-faq-list'> <input type='hidden' name='show_on_load' value='' id='ewd-ufaq-show-on-load' /> <input type='hidden' name='include_category' value='' id='ewd-ufaq-include-category' /> <input type='hidden' name='exclude_category' value='' id='ewd-ufaq-exclude-category' /> <input type='hidden' name='orderby' value='date' id='ewd-ufaq-orderby' /> <input type='hidden' name='order' value='desc' id='ewd-ufaq-order' /> <input type='hidden' name='post_count' value='-1' id='ewd-ufaq-post-count' /> <input type='hidden' name='current_url' value='/wp-json/wp/v2/ufaq/?post_type=ufaq&amp;ufaq-category=3' id='ewd-ufaq-current-url' /> <div class='ewd-ufaq-faqs'> <div class="ewd-ufaq-faq-div ewd-ufaq-faq-column-count-one ewd-ufaq-faq-responsive-columns- ewd-ufaq-faq-display-style-default" id='ewd-ufaq-post-15-YDdbkT1COA' data-post_id='15'> <div class='ewd-ufaq-faq-title '> <a class='ewd-ufaq-post-margin' href='https://cms.homecapital.in/ufaqs/how-can-i-avail-homecapitals-home-down-payment-assistance-program-on-your-website/'> <div class='ewd-ufaq-post-margin-symbol ewd-ufaq-square'> <span >A</span> </div> <div class='ewd-ufaq-faq-title-text'> <h4> How can I avail down payment assistance on your website? </h4> </div> <div class='ewd-ufaq-clear'></div> </a> </div> <div class='ewd-ufaq-faq-body ' > <div class='ewd-ufaq-post-margin ewd-ufaq-faq-post'> <p>In the ‘Offerings’ section of our website, you will be able to view all the projects listed under the HomeCapital Program. To know the maximum down payment assistance that you can get towards the property of your choice, click on ‘Compute’ beside ‘View Details’. You can also use the calculators in the Home Finance section for the same. </p> <p>If you need any help in the application process click ‘Express Interest’. To apply for down payment assistance towards a specific property, click ‘Apply’ and fill in the basic details required to process your down payment assistance. If you are facing any difficulties in your application process, write to us on wecare@homecapital.in or program@homecapital.in and our representative will get in touch with you.</p> </div> <div class='ewd-ufaq-faq-custom-fields'> </div> </div> </div> </div> </div>

Why do I need to create an account with HomeCapital?

<div class="ewd-ufaq-faq-list ewd-ufaq-page-type-load_more" id='ewd-ufaq-faq-list'> <input type='hidden' name='show_on_load' value='' id='ewd-ufaq-show-on-load' /> <input type='hidden' name='include_category' value='' id='ewd-ufaq-include-category' /> <input type='hidden' name='exclude_category' value='' id='ewd-ufaq-exclude-category' /> <input type='hidden' name='orderby' value='date' id='ewd-ufaq-orderby' /> <input type='hidden' name='order' value='desc' id='ewd-ufaq-order' /> <input type='hidden' name='post_count' value='-1' id='ewd-ufaq-post-count' /> <input type='hidden' name='current_url' value='/wp-json/wp/v2/ufaq/?post_type=ufaq&amp;ufaq-category=3' id='ewd-ufaq-current-url' /> <div class='ewd-ufaq-faqs'> <div class="ewd-ufaq-faq-div ewd-ufaq-faq-column-count-one ewd-ufaq-faq-responsive-columns- ewd-ufaq-faq-display-style-default" id='ewd-ufaq-post-10-xon5MF0PY0' data-post_id='10'> <div class='ewd-ufaq-faq-title '> <a class='ewd-ufaq-post-margin' href='https://cms.homecapital.in/ufaqs/why-do-i-need-to-create-an-account-with-homecapital/'> <div class='ewd-ufaq-post-margin-symbol ewd-ufaq-square'> <span >A</span> </div> <div class='ewd-ufaq-faq-title-text'> <h4> Why do I need to create an account with HomeCapital? </h4> </div> <div class='ewd-ufaq-clear'></div> </a> </div> <div class='ewd-ufaq-faq-body ' > <div class='ewd-ufaq-post-margin ewd-ufaq-faq-post'> <p>You need to create an account with HomeCaptial in order to apply for the HomeCapital Program. You can check your eligibility and get an instant approval in real-time. Even if you don’t want to buy a home now, you can register with us to get access to our knowledge resources and receive updates.<br></p> </div> <div class='ewd-ufaq-faq-custom-fields'> </div> </div> </div> </div> </div>
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Disclaimer

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 in accordance to its policies. 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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