Down Payment Help May Be Available for Your Buyer
- Federal Hill Mortgage offers access to 33 FHM Down Payment Assistance programs that may help qualified buyers reduce upfront cash needed to purchase a home.
Takes about 2 minutes. No approval or assistance is guaranteed. A loan partner will review your answers.
Many buyers are closer than they think
"I don’t have enough saved."
Some programs may help with down payment or closing cost needs.
"My credit isn’t perfect."
Some options may allow flexible credit profiles, depending on the full file.
"I don’t know where to start."
The quiz helps us quickly identify which programs may be worth reviewing.
DPA Options May Include
Forgivable Assistance
Some programs may offer assistance that can be forgiven if program requirements are met.
No Monthly Payments
Some assistance options may not require a monthly payment on the assistance.
FHA Assistance Structures
FHA buyers may have access to multiple options, including 3.5% and 5% assistance setups.
Flexible Credit Reviews
Options worth checking out for buyers with scores starting in the high-500s or low-600s.
Conventional Assistance
Conventional buyers may access assistance, often subject to income and location limits.
Higher-Assistance Options
Provides more upfront help, but may be structured as a repayable second mortgage loan.
How It Works
What We Review Behind the Scenes
- Property state and county
- Credit score range
- Estimated household income
- Purchase price target
- First-time buyer eligibility status
- Primary residence validation
A simple tool for agents with buyers who need help getting started
When a buyer says, “I don’t have enough saved,” this gives them an immediate, actionable strategy. Instead of guessing which program might fit, your buyer completes a rapid pre-screen so we can map out their options cleanly.
- Keeps more pipeline buyers motivated and engaged
- Gives cautious buyers an optimistic, realistic milestone
- Highlights viable down payment programs much earlier in the cycle
- Sets up a clean, structured financing conversation before showings begin
Frequently Asked Questions
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Is this a grant?
Some programs may be completely forgivable over time, while others function as repayable seconds. An advisor will fully detail the program mechanics before processing any formal files.
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Am I guaranteed to qualify?
No. This tool is for education and pre-screening only. Final eligibility requires a complete mortgage application and full review.
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Do I need perfect credit?
Not necessarily. Some FHM DPA options may be worth reviewing for buyers with flexible credit profiles, depending on the full loan file.
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Are there income limitations?
Certain structural options contain strict county-level median income limits, whereas others feature relaxed caps. Geography and household dynamics dictate limits.
Find out what may be possible
If upfront cash constraints are delaying homeownership goals, take a practical next step. Complete our brief questionnaire, and our team will run the parameters against active assistance options.
Start DPA ReviewDisclaimer: This page and its associated quiz interface serve exclusively educational and pre-screening functions. Content does not constitute an official loan approval, explicit guarantee of program funding, or binding commitment to specific rates or terms. Down payment assistance parameters, structural availabilities, interest rates, caps, and regulatory constraints remain fluid and subject to structural change without formal notice. Final loan confirmation relies completely on a comprehensive mortgage underwriting review, encompassing absolute credit assessment, documented income, validated liquid assets, and rigorous compliance matching.
