4% in down payment assistance as a 30-year second lien with zero payments.

Must be a first-time homebuyer (could not have owned a primary residence in the last 3 years)

640 Minimum FICO

Max Household Income $95,200 with 2 people or $109,480 with 3 or more people

May be combined with up to 6% of seller concession for closing costs

Max DTI is 45 with 640 FICO, or 50 with 680+

3.5% in down payment assistance as a forgivable grant – refinance in as little as 12 months – no repayment required

Multiple ways to qualify – First Time Homebuyer, Under Maximum Income, Military, First Responder, Educator, Nurse – just need to meet one of these requirements

620 Minimum FICO

Max Household Income of $122,920

May be combined with up to 6% of seller concession for closing costs

Max DTI is 49.99