Get down payment assistance through the UpPayment® program

See if you're eligible to receive down payment assistance*

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What is the UpPayment program?

UpPayment is Progressive's down payment assistance program, administered by the National Urban League. It's designed to help first‑time homebuyers overcome financial barriers through down payment assistance. This year, UpPayment will provide up to $13,500 toward the purchase of a first home for at least 200 eligible homebuyers.

To apply, you will first work with a participating housing counselor certified by the Department of Housing and Urban Development (HUD), at no cost. You can easily find a participating counselor through the Urban League network.

See if you're eligible to receive funding through this program and learn how to apply. Then, use our locator tool to find a participating housing counselor near you.

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Who is eligible?

You are eligible to apply if you meet the following UpPayment requirements:

  • First-time homebuyer (haven't owned a primary residence within three years of the closing date) purchasing a non-commercial, non-mobile residential property with intention of permanent residence at the site
  • Mortgage pre-approval letter dated within the last six months
  • Household annual income below 500% of the federal poverty guidelines
  • Legal U.S. resident (excluding U.S. territories)
  • 18 or older (or the legal age of majority in your state)
  • Enrolled with a participating HUD-certified housing counseling program
  • Be able to identify a closing agent and provide the requisite contact and monetary disbursement information

See UpPayment Terms & Conditions

Note: Employees of the National Urban League or its affiliate organizations, and their immediate family members, aren't eligible for down payment assistance. Progressive employees and their immediate family members also aren't eligible. However, anyone can access free HUD-certified housing counseling through the Urban League.

What to expect when you apply

  1. 01

    Find a counselor from our list

    Choose a HUD-certified counselor from our list to help you start the process.

  2. 02

    Apply for assistance

    If you're eligible, your counselor will help you apply to UpPayment for down payment assistance. Applications are accepted May 1 – September 30, 2026 on a rolling basis each month.

  3. 03

    Close on your home

    If funding is available and you're approved, your counselor will work with your closing agent to apply the funds toward your down payment.

Find a Housing Counselor

Every applicant must work with a participating HUD-certified housing counselor, who will help you prepare for homeownership and guide you through the application process.

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If you're unsure which local housing counseling program to contact, you can request assistance via email. If you're already working with a HUD-certified counselor outside the Urban League network, you'll need to connect with a participating Urban League counselor to apply for UpPayment.

UpPayment frequently asked questions

  • The 2026 UpPayment program will provide homebuyers with down payment assistance of up to $13,500 each toward the purchase of a first home. At least 200 eligible applicants will receive support this year. In 2025, the program supported more than 100 families, totaling $1.35 million in assistance given.

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