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100% Down Payment Assistance – FHA Buyers Welcome
Cover Your Entire Down Payment and More
Our 100% Down Payment Assistance program makes homeownership possible by covering your full down payment amount — and even your closing costs in some cases. With up to 3.5% assistance, no first-time buyer requirement, and credit scores starting at 600, it’s one of the most accessible programs available. You can qualify through AUS or manual underwriting with DTIs up to 45%, and the assistance can be structured to also fund closing costs with a second mortgage.
FAQs
Do I have to be a first-time buyer?
No — this program is open to both first-time and repeat buyers.
What’s the minimum credit score?
600 FICO.
What properties qualify?
Primary residences, including FHA-approved manufactured homes and condos.
Can the assistance cover closing costs?
Yes — a second mortgage option is available to help cover closing costs.
Why This Program Works for FHA Buyers
Saving for both a down payment and closing costs can be a major hurdle, especially for buyers entering the market for the first time or those returning after a break. This program removes that obstacle by covering the down payment entirely — and providing extra assistance for closing costs when needed.
Start With Zero Down
With no first-time buyer restriction, flexible credit requirements, and built-in support for closing costs, this program is designed to help you move into your home sooner. Whether you’re ready to buy your first home or your next, 100% Down Payment Assistance gives you a head start toward ownership.