Searching For a Loan Program With Flexibility?

A DPCC+ loan may be right for you in West Seneca, NY or anywhere in Western New York

Flexibility greatly increases your chances when looking for a home. That's why NIckel City Funding is proud to offer down payment and closing cost plus (DPCC+) loans through NeighborhoodWorks. A DPCC+ loan covers some of the unforeseen costs of buying a property, and it has various additional advantages.

These include:

  • Saving money by reducing or eliminating FHA insurance premiums or PMI premiums
  • Increasing buying power with additional fund availability
  • Pairing this loan with home improvement loans for greater flexibility


You'll also have greater peace of mind because you won't have to dip into your savings to cover extra costs. Contact us now if you're interested in a DPCC+ loan. We serve West Seneca, NY and all of Western New York.

Learn more about DPCC+ loans

Want more details on down payment and closing cost plus loans? These loans:

  • Are used towards additional costs on primary mortgages
  • Range from $8,000 to $40,000, up to 105% CLVT
  • Require a 620 minimum credit score with no income limits
  • Prefer a 43% back-end DTI, up to 50% considered with budget counseling
  • Are available for properties in Erie, Niagara and Monroe Counties


First-time homebuyers must also complete an education course through NeighborWorks or an affiliate. Speak with an expert today to learn more about these loans.