How down-payment assistance stacks

Here's the KevaAI superpower in one lesson: assistance programs can be layered. You're rarely limited to one.

A single buyer might combine a first mortgage with a state down-payment program, a city or county grant, and a lender credit — each covering a different slice of cash-to-close. Stacked together, they can take a number like $12,000 down to a few hundred dollars.

The catch is that programs have rules about which ones combine and in what order. Some can't be used together; some must be layered in a specific sequence. Figuring that out by hand is genuinely hard — it's the whole reason KevaAI exists.

Next: Let KevaAI build your stack automatically — it only combines programs that legally play nicely together.