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8 + <br /> Downpayment / Closing Cost Loan Process Flow Chart <br /> Applicant must attend a Home - Buyer ' s Educational Workshop <br /> l <br /> Applicant submits a completed application to the county <br /> Applicant must contact a bank for pre - qualification <br /> l <br /> The county verifies all income and asset information <br /> l <br /> The county will send an eligibility letter to the applicant <br /> l <br /> The applicant will take the eligibility letter to the bank <br /> Bank will provide the commitment letter <br /> l <br /> Bank or applicant submits the commitment letter to the county <br /> The county ' s LRC approves the loan <br /> 1 <br /> Loan Closing <br /> 26 <br />