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YES, We Can Do Multi-Use FHA with DPA!
3.5% or 5% Assistance Available – Even for Mixed-Use Properties
Finally, an FHA solution that works for properties combining residential and commercial use. Whether it’s a small business on the ground floor or apartments above, we make it possible with flexible down payment assistance and manual underwriting options.
FAQs
Q: Can mixed-use properties qualify for FHA?
Yes — as long as residential use makes up at least 51% of the property.
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Q: How much down payment assistance can borrowers get?
Borrowers can receive either 3.5% or 5% in assistance, with flexible options for repayment or silent second formats.
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Q: Is manual underwriting available?
Absolutely. We welcome manual underwriting to help more borrowers qualify.
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Q: What types of properties are eligible?
Any mixed-use property that meets FHA guidelines and the 51%+ residential requirement.
Why This Program Works
This program is ideal for buyers who need FHA flexibility with the added benefit of down payment assistance. By allowing mixed-use properties, borrowers can secure financing without sacrificing FHA’s low down payment advantages. Manual underwriting opens the door for those with unique financial situations, while multiple assistance formats give buyers more control over their budget. The flexibility extends to repayment terms, making it a fit for a wide range of buyers.
A Smarter Way to Buy Mixed-Use
With this program, FHA financing isn’t limited to purely residential properties. Buyers can pursue opportunities in vibrant live/work spaces and income-generating mixed-use buildings. The down payment assistance options help reduce upfront costs, while manual underwriting makes qualifying more achievable. It’s an adaptable solution for modern buyers who want both a home and an investment in one property.