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Pros and Cons of Down Payment Assistance (DPA)Essex's DPA program can be used to obtain an FHA loan. The amount of the 2nd mortgage is up to % equal to the lessor of the sales price, or the appraised. With numerous loan programs available, Essex Mortgage is here to help you find the right mortgage for you MORTGAGE ASSISTANCE � SUBSERVICING � CONTACT US. NJHMFA's Down Payment Assistance Program (DPA) provides qualified homebuyers with up to $15, toward Essex County: Belleville, City of Orange, East.