HomeZero FHA Program
FHA financing with flexible down payment assistance designed to help eligible buyers achieve homeownership with little to no down payment.
Program Overview
The HomeZero FHA Program combines FHA financing with down payment assistance to help make homeownership more accessible. Qualified borrowers may receive assistance toward their required down payment and eligible closing costs, with both repayable and forgivable second mortgage options available.
Program Features
FHA first mortgage combined with down payment assistance.
Minimum 600 FICO with automated underwriting approval.
3.5% down payment assistance option can provide up to 100% combined financing.
Repayable and forgivable second mortgage options available.
No first-time homebuyer requirement.
No program income restrictions for eligible borrowers.
Why Choose This Program?
Helps eligible buyers reduce or eliminate the traditional down payment hurdle.
Offers FHA financing with added assistance for upfront homebuying costs.
Available to both first-time and repeat homebuyers who qualify.
Provides flexible repayable and forgivable assistance structures.
Can help borrowers preserve savings for reserves, moving expenses, or other needs.
A practical solution for buyers with sufficient income but limited funds available for upfront costs.
Who This Program Is Great For?
Buyers who qualify for FHA financing but need help with their down payment.
Borrowers with a 600 or higher qualifying credit score using automated underwriting.
Buyers who want to preserve savings rather than use them entirely for upfront costs.
First-time and repeat homebuyers seeking down payment assistance.
Buyers who may not qualify for assistance programs with restrictive income limits.
Clients looking for a flexible FHA-based path toward homeownership.
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