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Get Closer to Homeownership — with FHA DPA Solutions
Low Down Payment, More Flexibility
Our FHA DPA Solutions program helps more buyers achieve their homeownership goals by providing down payment assistance with flexible structures. Whether it’s a silent second with no monthly payment or a repayable second, borrowers can combine it with an FHA first mortgage to maximize affordability. Designed for both first-time and repeat buyers, this program removes common barriers to entry while accommodating a variety of financial situations.
FAQs
What types of assistance are available?
3.5% (100% LTV) and 5% (101.5% LTV) options are available as either Silent Second (no payments) or Repayable Second liens.
What are the term options?
Choose between 25- or 30-year terms for the first lien; both seconds are 10-year liens.
Is there a minimum credit score?
Yes — AUS Approve/Eligible starting at 580+, Manual Underwrite from 600+.
Are there income or first-time buyer restrictions?
No, there are no income limits or first-time buyer requirements.
Can non-occupant co-borrowers be included?
Yes, non-occupant co-borrowers are allowed.
Why This Program Works for Buyers Who Need Flexible Financing
This program directly addresses two major obstacles to homeownership — the down payment and cash-to-close — by allowing borrowers to pair an FHA first mortgage with down payment assistance. The flexible structure means clients can conserve their cash for other needs while still accessing competitive FHA financing terms. It’s designed to give more approval paths for credit-challenged or high-DTI borrowers, helping them move forward without unnecessary delays or denials.
A Smarter Way to Make Homeownership Affordable
By removing income caps, accommodating a wider range of credit scores, and allowing flexible assistance options, FHA DPA Solutions opens the door for a broader pool of buyers. Whether it’s helping first-time buyers enter the market or giving repeat buyers the ability to move without draining reserves, this program offers a packaged solution of affordability and flexibility. It’s a strategic way to make homeownership realistic for clients who might otherwise be locked out.