Downpayment Plus is a program that provides down payment and closing cost assistance for income-eligible homebuyers. So now what do I do?1.What is Predatory Lending? 2.What is a high risk home loan? Check out our LRP application checklist (PDF 1 MB). It lists all the documents you need to apply. IHDA has created loan programs that provide down payment and closing cost assistance for borrowers who would otherwise qualify for a mortgage. Select the best loan terms and monthly payment for you and provide some additional information to complete your application. It can take up to six weeks or more to have the lien removed from your car title and make it officially yours. When the broker asked the going rate, he says the listing agent replied, "minimum half a point.