Down Payment Assistance

We have partnered with 3 companies to make it easy for you to compare loan terms from 15 different lenders!

Interest rates are as low as 6% and payment terms are up to 23 years,

depending on your credit score and down payment amount.

You can also use the lender of your choice!

Our Tiny Homes on Wheels are registered as travel trailers,
so RV Loans & personal loans from your favorite bank or credit union can work.


Hearth Financial

See your personalized monthly payment options from 13 different national lenders within minutes & without affecting your credit score.

Please note - this is a construction loan that will be unsecured personal debt so it's the most difficult to qualify for. ​

If you are denied with HEARTH you can apply again with a co-signer or check out the loan options below.

  • Down payment is flexible

  • Interest rates depend on your FICO score

  • Repayment terms up to 12 years

  • Minimum FICO score: 550

Hearth makes it easy for you to find monthly payment options for your project, with:​

  • Loan amounts up to $100,000

  • Funding within 1-3 days

  • No prepayment penalties

  • No home equity required​

  • Affordable monthly payment options

Click "Get My Rates" to be pre-qualified with Hearth

city national bank

City National Bank in Sulphur Springs, TX offers RV loans for Tiny Houses on Wheels. 

- 20% down payment

- interest rates from 6.25% to 7.15%

- repayment term up to 10 years
(pay it off faster with a higher monthly payment)

- Min credit score: 650

Contact Ron Watson for info on getting pre-qualified: or 903.885.7523 ext. 4139

21 mortgage Corporation

We are partnered with Little Homes of Texas to provide financing thru 21st Mortgage. This is classified as a "Mobile Home Loan."
21st Mortgage offers the longest repayment terms and the lowest monthly payments of our 3 lenders.


- 20% down payment

- interest rates from 5.9% to 10%

- repayment term up to 23 years
(giving you the lowest monthly payment option)

- Min credit score: 650

Contact Saleem Maleek for info on getting pre-qualified:

936.582.0047    or

Down-payment assistance

matching Grant Program


Operation Tiny Homes will match your down payment
up to $12,000!

To qualify for the grant someone in your household must be a community hero


be struggling with hardship.

Examples include:

  • Military or Veteran Status

  • Law Enforcement

  • Fire Fighter

  • Emergency Medical Personnel

  • Pre-K - 12th Grade Teachers

  • Lives in an area that was affected by a hurricane, wildfire, flooding or any other natural disaster

  • Illness

  • Aging out of Foster Care

  • Disability

  • Surviving Spouse of a Military Member or Public Protector

  • Directly Impacted by the Covid-19 Pandemic

  • Other community hero or harship


Additional qualifications:

  • Your tiny home must be your primary residence for at least 3 years

  • You must be a US citizen or permanent resident

Next steps:

  1. Submit a Tiny House Planning Tool to estimate the cost for your home 

    (write in the notes section that you are a candidate for the down payment matching grant)

  2. Get pre-approved for your estimated loan amount using the Hearth Financial link above or at the bottom of the Planning Tool 

  3. Meet with an Indigo River Tiny Home Specialist to finalize your home's design & price

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