How do you stack programs to get to zero out of pocket?

Stacking programs to reduce out-of-pocket cash usually means layering a low-down-payment loan with a down payment assistance grant or a seller or lender credit toward closing costs, applied in the right order so one program does not disqualify another. Which combination works depends on your loan type, income, and the specific program's rules. Brian coordinates with lenders who know how to layer these correctly rather than losing one benefit to another.