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. Now with flexible repayment tenure of 3, 6 or 12 months EMI.

Check Eligibility

Program Highlights

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Available for Down Payment, Stamp Duty and Registration as well as intermediate and final payments towards your home.
Interest free assistance payable in flexible tenure of 3, 6 or 12 equated monthly instalments.
Check eligibility & get In-Principle sanction in one minute.
Fast and completely digital application process, get money in your account on the same day.
Accepted by the all leading developers across major cities.
No lien on your house. No effect on your home loan eligibility.

Program Benefits

Accelerated home ownership with reduced waiting time
Our program enables to you buy your dream home today by reducing your down payment requirement by 50%. No need to take out an expensive personal loan.
Interest free assistance
You only need to repay the down payment assistance amount in flexible
3, 6 or 12 equal monthly instalments without any interest charges.
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.

Illustrations

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.

Note:

  1. HomeCapital DPA will vary as per your monthly net income.
  2. With this 3 EMIs Plan, there is a 1.99% (GST as applicable) Processing Fees of the total amount.

Note:

  1. Stamp duty can be included in initial down payment requirement in applicable states.
  2. Depicted figures are computed as per a monthly net income of ₹ 1,00,000 (DPA amount will vary based on your monthly net income)

Note:

  1. Stamp duty can be included in initial down payment requirement in applicable states.
  2. Depicted figures are computed as per a monthly net income of INR 1,00,000 (DPA amount will vary based on your monthly net income)

Note:

  1. Stamp duty can be included in initial down payment requirement in applicable states.
  2. Depicted figures are computed as per a monthly net income of INR 1,00,000 (DPA amount will vary based on your monthly net income)

Eligibility Criteria : For any Indian resident 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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How it works

Fastrack your Home Ownership - in just 5 easy steps.


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 guide to navigate your way through your application. For further questions, get in touch.