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         Where to get FHA down payment money           

Saving to buy a home can be a difficult task.  One of the major attractions to FHA loans is the minimal amount of down payment money a borrower may actually need. Many non-profit and public charity organizations have been created to assist first time home buyers, low to moderate income families, and general home buyers with the purchase of a home.

FHA down payment assistance can be provided in the form of gift funds which means that the money does not have to be repaid.  There are several organizations that provide these gifts and the differences among them are minor. Qualified home buyers can receive between 1% to 5% towards the purchase of the home. 

There are also many state and local programs that may provide assistance to 1st time buyers. You can find out about more of these by talking to your Lender or Realtor.  With the changes to the FHA down payment rules as of October 1st, 2008 you should check on the page on sources of funds for FHA down payments.

Effective October 1st, 2008 -- all seller funded FHA down payment programs are no longer allowed by Act of Congress.  Many groups are fighting to have this reinstated so contact your Senator or Congressperson to let them know your feelings.

To learn more about down payment assistance and loan grant programs select from the following: 

While these programs are currently approved they are currently under review and may change if the Charity looses it's 501c(3) status.  You may check the status of a non-profit at

HUD has released guidelines on how to handle a situation where a non-profit has lost it's non-profit status which can be read by clicking on the hyperlink under guidelines.

Partners in Charity
The Partners in Charity (PIC) is a non-profit corporation that promotes homeownership by offering down payment assistance programs to qualified low and moderate income homebuyers. This programs offers free gift funds to be used towards the down payment and closing costs for eligible FHA loan programs.
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The AmeriDream Charity, Inc. is designed to provide down payment assistance to low and moderate income homebuyers who demonstrate the need for financial assistance. To use their program, Buyers must purchase a home enrolled in The AmeriDream Charity down payment Gift Program and qualify for a mortgage.
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Nehemiah Program
The Nehemiah program is a Private California Non-Profit Organization that offers down payment assistance programs to qualified homebuyers. This programs offers free gift funds to be used towards the down payment and closing costs for eligible FHA loan programs.

Other State and Local Programs

This is a direct link to the Department or Hudís website. Select your state and you may find local or state programs.


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