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Downpayment Plus® Program

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Lower your borrowing costs with up to $6,000 in available financial assistance for the purchase of your home.
If you want to buy a home and have a steady income and good credit, First National Bank and Trust and the Home Loan Bank of Chicago can help. 

What is the Downpayment Plus® Program?

The Downpayment Plus® Program (DPP) is a program that provides financial assistance for eligible homebuyers by contributing to the down payment and closing costs of a home. Through the Downpayment Plus Program*, up to $6,000 may be available to eligible homebuyers to use toward down payment and closing costs. See what you could afford with our Home Affordability Calculator. Ask one of our loan officers about the Downpayment Plus Program to see if you are eligible. 

How do I qualify for the Downpayment Plus Program?

Homebuyers must meet income eligibility requirements and:
  • Contribute at least $1,000 to the purchase of the home
  • Complete pre-purchase homebuyer education and counseling
  • Live in the home as your primary residence

First National Bank and Trust is committed to helping our neighbors. We can help lower your borrowing costs if you qualify for the Downpayment Plus Program.

* Downpayment Plus is a program from the Federal Home Loan Bank of Chicago. Restrictions apply. Please see the Federal Home Loan Bank of Chicago's website at for complete requirements. "Downpayment Plus" is a registered trademark of the Federal Home Loan Bank of Chicago.