Provides up to 3.5% grant options for down payment assistance and closing costs.

FHA grant options include 2% or 3.5%.

Conventional grant options include 1%, 2%, or 3%.

No second liens required.

No repayment of the grant required unless the loan is paid off within six months of payments.

Available for HomeReady and HomePossible programs.

Helps eligible buyers reduce upfront cash needed for down payment and closing costs.

A strong solution for low-to-moderate-income families seeking homeownership support.

Compatible with FHA and Conventional products for added flexibility.

First-time homebuyers are allowed but not required.

Gift funds are allowed for down payment and closing costs.

No payment shock requirements apply with AUS approval.

Eligible buyers who need help with down payment assistance and closing costs.

Low-to-moderate-income families looking for a more affordable path to homeownership.

Borrowers using FHA or Conventional financing.

Borrowers with a minimum credit score of 620.

First-time homebuyers, though first-time buyer status is not required.

Eligible DACA borrowers for FHA scenarios and borrowers with non-occupant co-borrowers.