Down payment aid programs will give you an average $18K to buy a home. Here's how to qualify even if you make over $100K

Rising home prices have increased down payment amounts, challenging middle-class buyers earning around $89,000 to $100,000+. Down payment assistance programs have expanded, with over 2,000 options nationwide, many available to six-figure earners. Average assistance is about $18,000, helping with down payments and closing costs. Programs often require working with approved lenders and may have resale or repayment rules. Eligibility depends on income, location, credit, and buyer status. Additional options include family gifts and IRA withdrawals for first-time buyers.