Luminate PATH is Luminate Bank's in-house DPA — PATH FHA or USDA first mortgages paired with forgivable or repayable second-lien options nationwide except NY.
What Is Luminate PATH Down Payment Assistance? | The 2 Mortgage Guys
Luminate PATH is Luminate Bank's in-house DPA — PATH FHA or USDA first mortgages paired with forgivable or repayable second-lien options nationwide except NY.
What Is the Luminate PATH Down Payment Assistance Program?
In-House DPA From Luminate Bank
At a Glance
How PATH Is Built — Two Steps
Who PATH Is Built For
Keep Exploring
See If Luminate PATH Fits Your Purchase
Luminate PATH is Luminate Bank's in-house down payment assistance — a PATH FHA or USDA 30-year fixed first mortgage paired with one of four second-lien options so Ryan and Steve can match forgiveness, repayment, or maximum assistance to your file.
Unlike many state or nonprofit DPA programs, PATH is originated and underwritten through Luminate Bank. That means Ryan and Steve can quote a first mortgage and assistance layer in one conversation — then lock both when your purchase is ready.
You choose a PATH FHA or PATH USDA 30-year fixed purchase loan as the first lien, then pair it with a forgivable second (3- or 5-year, 3.5% assistance) or a repayable second (10-year amortizing or 10-year balloon, 3.5% or 5%).
PATH is available in every state except New York and is limited to owner-occupied primary residences. There is no first-time homebuyer requirement and no stated PATH income limit.
Every PATH file starts with a first mortgage choice, then an assistance layer that matches your credit and cash-to-close goal.
Related Luminate Path guides and loan programs to compare before you apply.
Ryan & Steve will match a PATH FHA or USDA first with the forgivable or repayable second that fits your credit and cash-to-close target.
Luminate Path programs are subject to borrower qualification, property eligibility, and lender approval. Rates, terms, and program availability may change without notice and are not available in all states. This page is educational — your scenario is underwritten against current guidelines.
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