We calculate your DPA check amount based on how much you actually need, or your “demonstrated financial gap.” First, we look at the actual costs: your home sales price plus your estimated closing costs. Next, we look at actual money being paid towards purchase the home: the loan amount your lender has approved for you, plus any money the seller is contributing, plus the earnest money you contributed when you signed your sales contract, plus certain lender required costs that you paid for in advance that, plus gift funds received. We help with the gap between the actual costs and the actual money being paid towards the purchase of the home. Not all closing costs are covered by DPA. A list of eligible costs are posted on the application. Program guidelines will allow AFHC to cover certain types of closing costs.