If you need FHA loan down payment help, look into Futures Home Assistance and their free down payment gift up to 6% of the closing costs.
  FHA Refinance | FHA Lending Limits       >> FHA Loan (fixed rate) | FHA Facts | FHA Loan Types | Mortgage Calculators | Down Payment Grants | FHA Foreclosures



Nehemiah Program

FHA Loan Rates
May 17, 2008
30 Yr. Fixed
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No Points
Low Interest
Best APR
15 Yr. Fixed
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No Points
Low Interest
Best APR
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Remember, the FHA does not make home loans. They insure the FHA loans that we can assist you in getting.

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FHA Facts | FHA Loan Types | Down Payment Grants

FHA Down Payment Grants
-- Futures Home Assistance

Futures Home Assistance is a non-profit charity group offering a free down payment gift up to 6% of the closing costs of a home purchased with an FHA loan. The mission statement of Futures Home Assistance includes the belief that people who dream of owning a home should not be hindered because of a lack of down payment funds.

The application process for the Futures Home Assistance program is similar to many other charity groups offering down payment assistance:
  • Apply for an FHA home loan or pre-approval for an FHA loan.
  • Find a home and make an offer.
  • The seller must agree to participate in the Futures Home Assistance program.
  • Once the offer is approved, contact your loan officer.
  • Your loan officer applies on your behalf for the Futures Home Assistance down payment assistance.
For those with approved FHA home loans, Futures Home Assistance usually responds to your loan officer's request within 24 hours. Once you are notified of approval your loan officer will tell you how long until your down payment gift funds are available. In some cases, more than the standard 6% down payment assistance amount may be available. Ask your loan officer whether you are eligible to receive more than 6% through this program.

Down payment assistance programs generally require the seller to pay a fee to participate. This fee is considered a payment for services rendered and not a tax-deductible charitable contribution.

For more information on how the grant program can be beneficial to you, you must be a qualified home buyer under the fha home loan program. We recommend that you first get pre-approved for an FHA home loan and then your lender will assist with getting you educated on the down payment program that is right for you.



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