Do you meet Initial DPA program qualifiers? Are you a First Time Home Buyer or, not owned a home in 3 years? Do you have a Credit Score of at least 640? You'll also need a Debt to Income ratio of no more than 43% - Ask your Lender for this! Have you been Pre-Approved for the mortgage? If not, Talk to a Lender! Need a Recommendation? Does your HOUSEHOLD Income exceed this amount? Household Income will be ALL Income earned in the Household. If you've just answered all the questions and ended up here ... And there's a Welcome Home property available ... Get your Offer in Quickly!! Next Step - Submitting an Offer.