About the program

We are the architect of India’s first Home Down Payment Assistance (DPA) Program.

HomeCapital is founded on a simple yet powerful idea of solving the critical problem of down payment savings for home buyers. We are a technology company with a mission to accelerate home ownership for a billion home buyers. Buying your first home early has a compounding wealth effect, resulting in a happier life and an increased social security for your family.

We provide up to half of the down payment required towards purchasing your home, absolutely interest free.

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Program Highlights

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Interest free unsecured loan payable in 12 equated monthly installments.
No lien on your house. No effect on your home loan eligibility
Accepted by the leading developers across major cities.
Fast and completely Digital application process

Illustrations

Example 1

Consider the home price is ₹50 lakhs, which has a down payment requirement of 10% (₹5 lakhs).


With the HomeCapital Program, you only need to pay ₹2.5 lakhs (50%) of the down payment amount. The balance amount ₹2.5 lakhs (50%) is funded by the HomeCapital Program and would need to be repaid in 12 equal monthly instalments, interest free.

Example 2

Consider the home price is ₹65 lakhs, which has a down payment requirement of 20% (₹13 lakhs).


With the HomeCapital Program, you only need to pay ₹6.5 lakhs (50%) of the down payment amount. The balance amount ₹6.5 lakhs (50%) is funded by the HomeCapital Program and would need to be repaid in 12 equal monthly instalments, interest free.

Note: Stamp duty to be included in initial down payment requirement in applicable states.

Any resident Indian with a stable income and sound credit track record.

You can also calculate your down payment assistance based on your city of preference.

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Program Benefits

Accelerated home ownership with reduced waiting time
Inadequate down payment either leads to a longer waiting period or making provisions through expensive sources such as personal loans. Our program addresses and overcomes these challenges.
Repay only the principal amount
You only need to repay the down payment assistance amount in 12 equal monthly instalments without any added interest. The interest is borne by the HomeCapital Program.
Buy the home you have always desired
With our Home Down Payment Assistance Program, you can double the amount available for your down payment.
Reduce your risk
Our assistance enables you to hold onto your contingency fund and enjoy peace of mind.

A completely digital journey with HomeCapital

For customers

A simple application process through web or mobile will calculate your eligibility amount and give you an in-principle approval in real-time.

Start application

For developer partners

Accelerate home ownership for your customer by partnering with the pioneers of down payment assistance in India.

Partner with us

Download our user guide to begin

Read through our detailed process to navigate your way through your application. For further questions, get in touch.