: This program provides a 3.5% down payment assistance second mortgage that can be forgiven after 36 on-time monthly payments. Key Considerations FHA + DPA Grant Down Payment 0% (if grant covers it) Credit Req. Varies (often 580+) Typically 640+ Varies by DPA program Location Nationwide Eligible Rural/Suburban Nationwide PMI Low annual fee Monthly PMI required
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: Newer pilot programs, such as those in Michigan or California , offer up to $25,000–$150,000 for buyers whose parents have not owned a home recently. : This program provides a 3