Most buyers qualify under at least one category. And if they don’t, we’ll help you structure a path that works.
This is a true lender gift that covers up to 3.5% of the purchase price for FHA buyers.
There is no second lien, no monthly payment, and no repayment ever.
If you’re not sure, we’ll help you check.
To receive the down payment assistance, at least one borrower must complete a HUD-approved homebuyer education course or the Framework online course before closing.
No. That’s just one of five ways to qualify. Many buyers qualify based on income, profession, or the property location—even if they’ve owned a home before.
It means the assistance is a real gift from the lender. It’s not a loan, not repayable, and there’s no second lien recorded.
The gift is designed to cover the minimum down payment on FHA loans. If there’s a surplus, we can help structure the file to reduce closing costs, but it’s not guaranteed.
Yes. Seller concessions up to 6% are still allowed, and lender credits can also be used if the loan structure supports it.
1–2 unit primary residences, FHA-approved condos, and HUD-compliant manufactured homes with permanent foundations
It’s built into the loan process. There’s no separate approval delay. We run eligibility at the start and structure the loan accordingly.
No problem. Submit a scenario and we’ll help you check eligibility based on income, location, or profession.
We’ll help you confirm eligibility, structure the offer, and position your client for a smooth approval. Whether you have questions or a deal in motion, we’re here to support you.
Check Eligibility