Down Payment Resource (DPR) is integrated into Matrix as part of your OneKey MLS subscription. This program helps agents connect buyers with grants, loans, and other programs that reduce upfront costs and make homeownership more attainable. These programs are offered through DPR in partnership with organizations such as SONYMA (The State of New York Mortgage Agency), CDFIs (Community Development Financial Institutions), Federal Home Loan Banks, land trusts, and more, providing your clients with access to a wide range of financial resources. Using DPR, agents can identify eligible listings, match buyers to the right programs, and generate new leads.
See the chart below for a quick overview of the different payment program types.
Types of Payment Assistance Programs
| Type | What It Does | Buyer Benefits |
|---|---|---|
| Down Payment Programs | Grants, forgivable or deferred second mortgages; may cover down payment and closing costs | Reduces upfront cash needed to qualify for a home |
| Affordable First Mortgage Programs | Reduced interest rates, low down payment options (conventional, FHA, VA), often first-time buyer focused | Makes the primary mortgage more manageable |
| Closing Cost Assistance | Grants or loans for fees like appraisal, title, and recording | Reduces total cash needed at closing |
| Mortgage Credit Certificates (MCC) | Federal tax credit for a portion of mortgage interest paid | Lowers monthly housing costs and increases affordability |
| Specialty / Targeted Programs | Programs for first-time buyers, veterans, teachers, healthcare workers, or specific geographic areas | Enhanced assistance for eligible buyers |
| Combination Programs | Qualifying buyers can use multiple programs together | Maximizes financial support and reduces barriers to purchase |
Eligibility
Eligibility for DPR programs varies based on location, income limits, purchase price limits, and occupancy requirements. Some programs may also require buyers to complete homebuyer education courses, and certain programs are only available through participating lenders, SONYMA, CDFIs, or community organizations. In many cases, multiple programs can be combined to maximize assistance, and Matrix/DPR makes it easy for agents to identify these opportunities for clients.
Where to Find DPR in Matrix
Agents can access DPR tools from the OneKey dashboard in the MLS Products and Explore by Solution sections by clicking on the DPR icon.
Agents can access DPR tools directly within Matrix to streamline their workflow:
From the Matrix Dashboard in the External Links section.
From the Matrix main menu in the Links heading.
- DPR Icon on a Listing Search: Clicking the icon displays all eligible programs for that property.
- DPR Icon on Listing Details Page: Program information is integrated directly on the listing page for easy access.
- Buyer Matching & Down Payment Connect: Through DPR’s Member Home Page, you can access a personalized link or branded landing page that connects clients to programs based on their income, location, and eligibility. Buyers can explore options on their own while leads are sent directly to the agent. Consider using it as part of your marketing.
Agents may also choose to add DPR Y/N as a field to their searches or sort by that field on results.
Your customers may access DPR tools from the OneHome portal. When they open a listing overview the listings that qualify for DPR will have a section and link to view more information.