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FHA Down Payment Assistance
No Income Limits, No First-Time Buyer Requirement, Nationwide Availability
Our FHA Down Payment Assistance program is designed to break barriers for homeownership by offering flexible qualification guidelines, nationwide access, and funding that never runs out. Whether you’re a first-time homebuyer or a seasoned homeowner, this program provides the extra boost needed to cover down payments and closing costs without income restrictions.
FAQs
1. What is the maximum DPA percentage available?
You can receive either 3.5% or 5.0% toward your down payment and/or closing costs.
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2. Are there income limits for this program?
No, there are no income limits for eligibility.
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3. Do I have to be a first-time homebuyer?
No, this program is open to all eligible borrowers.
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4. What is the minimum credit score required?
Manual Underwriting requires a 660 FICO; AUS approvals can accept lower scores.
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5. Does the fund ever run out?
No, the program has continuous funding available year-round.
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6. Can this be used for both conforming and high-balance loans?
Yes, both are allowed under the program guidelines.
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7. How does this program compare to state assistance or bond programs?
It offers fewer restrictions, consistent funding, and nationwide availability.
Why This Program Works for a Wide Range of Borrowers
Unlike many assistance programs that have income caps, limited availability, or strict first-time buyer requirements, our FHA Down Payment Assistance option ensures that funding is always available and qualifications remain accessible. This makes it an ideal solution for borrowers in all financial situations.
A Smarter Way to Make Homeownership Happen
With flexible credit requirements, no income restrictions, and support for closing costs, this program removes common roadblocks to buying a home. It’s designed to keep your path to ownership open, whether you’re purchasing your first property or your fifth.