Down Payment Assistance

What this module does

End-to-end administration of down payment assistance loan programs. Online intake, household income verification, AMI calculation, underwriting business process flow, award letters, closing tab, lien tracking, payoff/satisfaction, and reporting. Built on Dataverse with a React/TypeScript DPA Console SPA for staff and a constituent portal for applicants.

Who it’s for

HUD-approved nonprofit housing agencies and CDFIs administering federal/state-funded purchase assistance — for example, the City of Clearwater Home Purchase Assistance Program (SHIP/HOME) is delivered through approved nonprofit housing agencies.

Real-world example: City of Clearwater SHIP DPA

Clearwater’s SHIP-funded program (loans up to $75,000 for purchases approved after July 1, 2025) is a representative DPA workflow this module supports:

• 50% amortized over 20 years (payments deferred 5 years), 50% deferred & forgiven at maturity
• Household income test against AMI; all members 18+ counted
• Borrower must complete a HUD-certified homebuyer education workshop (handled by the Homebuyer Education module)
• Borrower contributes 1% from own funds; primary residence; lead-paint/code requirements
• Application submitted through an approved nonprofit housing agency
• Lien recorded; full balance due on sale before maturity unless hardship rules apply

The DPA module captures every one of those rules as configurable program parameters, business process stages, and validation rules — so a single deployment can serve multiple funding sources (SHIP, HOME, ARPA, county-specific) without code changes.

Built on

Microsoft Power Platform — Dataverse for the data and security model, model-driven apps for staff, Power Automate for workflows, Power Pages for constituent self-service, and Copilot Studio agents wired through the native Dataverse MCP server so frontier AI models can read and act on the same records the staff are looking at.

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