100% Financing with Down Payment Assistance Grants

No Down Payment. No Closing Costs. No Problem.

We specialize in helping homebuyers enter homes with minimal out-of-pocket expenses. Our proprietary 100% FHA Down Payment Assistance (DPA) programs are truly one-of-a-kind; no other lender or investor offers the same level of support.

Whether you’re a first-time homebuyer or purchasing your next home, our programs make homeownership more affordable by eliminating the most significant hurdle: the down payment and closing costs.

Exclusive Programs You Won’t Find Anywhere Else

We offer multiple 100% financing options designed to meet your needs based on credit score and loan structure:

100% FHA with Forgivable 2nd (620+ FICO)

  • No repayment is required on the second mortgage.
  • Slightly higher interest rate on the first mortgage.
  • With seller concessions, most clients bring $0 to closing.

100% FHA with Payable 2nd (660+ FICO)

  • 30-year fixed second mortgage due in 10 years at 9.99% interest.
  • Low monthly payment keeps your DTI low and budget in check.
  • With seller concessions, clients often have no down payment or closing costs.
  • Example: On a $300,000 loan, the second mortgage payment is less than $93/month.

100% FHA with 5% DPA Second

  • Covers both down payment and closing costs (if seller concessions aren’t available).
  • Payable second option for qualified buyers.

USDA + 660 DPA Option

  • Combine $0 down USDA financing with our 660 DPA to cover closing costs.
  • Perfect for eligible rural and suburban properties.

What Makes Our DPA Programs Different?

  • No income limits
  • No geographic restrictions
  • Funds never run out (unlike state bond programs)
  • Available for all buyers – not just first-time homebuyers
  • Only one score per borrower needed
  • Manual underwriting allowed on forgivable 620 DPA
  • High balance loans & 2-unit properties eligible
  • PUDs, condos, and double-wide manufactured homes allowed (650 min for MFH)
  • Blended credit scores allowed – no minimum on the lower score
  • Non-occupying co-signers accepted

Ideal For:

  • Buyers who need down payment or closing cost help
  • Realtors working with clients who are short on cash
  • Homebuyers who don’t qualify for restrictive local grants
  • Anyone looking for the best-priced 100% FHA loan options on the market

At a Glance – What You Get:

  • 100% LTV FHA loan options – even on 203(k) renovation loans
  • Forgivable or repayable second mortgage DPA
  • 3.5% or 5% assistance amounts available
  • Flexibility for high-cost areas and varied property types
  • Monthly payments that keep DTI in check
  • Setup for low cash-to-close—even $0 in many cases

Contact us to see if you qualify for our 100% FHA Down Payment Grant Programs.