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Find Homeownership Incentives

NHF Down Payment Assistance

First Time Homebuyers

Type Of Program

Deferred Second Mortgage

Program distribution

Program Originator

National Homebuyers Fund, Inc.






One of the biggest challenges for homebuyers is coming up with the funds to cover the down payment requirements and/or closing costs associated with a mortgage loan.

To bridge that gap, NHF provides down payment and/or closing cost assistance (DPA), up to 5% of the mortgage loan amount. NHF DPA is provided in the form of either a Gift or a zero interest rate Second Mortgage that is forgiven after three years. It is available in all 50 U.S. States and qualifying guidelines are flexible. NHF DPA highlights(1): NHF DPA is provided as a Gift or a forgivable Second Mortgage There is no requirement that a borrower be a first-time homebuyer to qualify FICO score requirements and allowable debt-to-income ratios are flexible NHF DPA programs features generous income limits; higher than might be expected FHA, VA, USDA and Conventional Mortgage Loan financing is available NHF DPA is available for both purchase and refinance of a primary residence Sponsored by NHF and available nationwide through Participating Lenders

AMI Limit


Employer Participation Required


Must Earn Counseling Certificate


Eligibility Limitations

Cash Sale Permitted


Cosigner Permitted


Owner Financing Permitted


Must be Primary Residence


Program Provider's Contact Name

Program Provider's Address

Program Provider's Phone

Program Provider's Email