Down Payment Assistance Conventional & FHA

Lender will gift borrowers 5% to be used for down payment, closing costs.

5% DOWN PAYMENT ASSISTANCE..

Program Benefits:
• Down payment assistance – up to 5% of the
loan amount in the form of a soft second
0.00% interest, forgiven after 3 years
• Can be used for down payment
and/or closing costs.
• Not limited to first-time homebuyers.
• No sales price limits.
• 30 Year fixed rate loan term.
• Conventional home loan programs only.
• Types of properties allowed: single family,
condo, and manufactured.

Some of the key benefits of Within Reach™
• Down Payment assistance amounts 3.00% or
4.00% of the 1st mortgage total loan amount.
• DPA Grant – no repayment required!
• Seller Credit of 6% is allowed.
• Grant can be used for down payment and/or
closing costs.
• Gift funds are allowed!
• Borrower(s) not required to be First Time
Homebuyers.
• Income Limit is based on qualifying income used
for transaction, not household income.

Program Requirements:
• 620 Minimum FICO, DTI – up to 50%. • Conforming loan limits only.

4.5% DOWN PAYMENT ASSISTANCE -620 SCORE


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