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You may need far less cash to buy a Las Cruces home than you think. New Mexico offers real down payment assistance through the state Mortgage Finance Authority, and our team helps buyers pair it with the right loan every month.
New Mexico MFA programs such as FirstHome and HomeNow help qualifying first-time and moderate-income buyers cover down payment and closing costs, often as a low-cost or forgivable second loan. Program terms and income limits update regularly, and an MFA-approved lender confirms what you qualify for.
Assistance pairs with FHA loans for flexible credit, VA loans for veterans, and USDA loans in qualifying areas. The right stack can put a first home within reach on a Las Cruces income.
We connect you with MFA-approved local lenders, find homes that fit program limits, including homes under 300k, and represent you free of charge. Read our first-time buyer grants guide for more.
How much assistance can I get in New Mexico?
It varies by program and year, often several thousand dollars toward down payment and closing costs as a low-cost or forgivable second loan. An MFA-approved lender quotes your exact numbers.
Do I have to be a first-time buyer?
FirstHome targets first-time buyers, while other programs like HomeNow can help repeat buyers who meet income limits.
Can assistance cover my whole down payment?
Combined with FHA, VA, or USDA financing, assistance often covers most or all of the cash needed to close.
Does using assistance limit which homes I can buy?
Programs set purchase price limits, but most Las Cruces homes fall within them. We steer you to homes that qualify.
Talk to a Las Cruces broker today.
Call or text Manny Patino, Qualifying Broker, at (575) 520-7604. Buyers pay us nothing, the seller or builder covers our side.
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