On July 30, 2008, President Bush signed the Housing and Economic Recovery Act of 2008 which prohibits seller-funded down payment assistance. Historical program information is only provided for reference on this website. These grants are no longer available.

FHA Rates Near 50 Year Low!

Now is the time to drop the interest rate on your 30-year mortgage or refinance into a 15-year home loan.

FHA Rates for April 8, 2020
Get started one
Get started two
Get started three
Get started four
FHA.com is a privately owned website, is not a government agency, and does not make loans.

Choose a Loan Type


Your Credit Score

Do you know what's on
your credit report?
Get Credit Score Button
Get Credit Score Button
FHA.com is a privately owned website, is not a government agency, and does not make loans.

Partners in Charity

Loan Assistance Programs Canceled in 2008

Elimination of Non Profit Down Payment Assistance: On July 30, 2008, President Bush signed the Housing and Economic Recovery Act of 2008 which prohibits seller-funded DPA (Down Payment Assistance) for loans backed by the Federal Housing Administration. Prior to this bill, the seller could contribute up to 6% to the buyer to cover either a down payment or closing costs on an FHA loan. The changes took effect on Oct. 1, 2008. We provide this information for reference only. These grants are no longer available.

NEW: Down Payment Assistance Programs for 2020

Partners In Charity is a non-profit group offering down payment assistance on properties such as single-family homes, condominiums, and multi-unit properties. Assistance is also available for rehabilitation programs. Partners In Charity funds are offered to those who qualify for FHA loans or are pre-approved for FHA loan amounts.

There is only one requirement to use the Partners In Charity program; you must intend to occupy the building you purchase. You can't get down payment assistance for purchasing a home you intend to rent. Partners in Charity offers:

  • Need-based assistance from 2% to %10 of final closing price.
  • Funds can be used for closing costs and down payment.
  • This assistance can be listed as the source of down payment in the pre-approval process.
Your lender applies for the Partners In Charity program on your behalf. This program requires the seller to participate and your loan officer and/or realtor can help you with these details.

The Partners In Charity program can be listed in your "good faith estimate" for sources of down payment funds. It's important to decide whether you want to use this program in the early stages of your planning, preferably before submitting a request for pre-approval of an FHA home loan. Your loan officer can determine your needs to enter the correct amount of the down payment on these forms.

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.

Since this program is no longer available, we recommend that you get pre-approved for a low down payment FHA home loan.

Discontinued Down Payment Grant Programs:


SEE YOUR CREDIT SCORES   From All 3 Bureaus  

Do you know what's on your credit report?

Learn what your score means.


FHA Loan Articles and Mortgage News

HUD Announces New CARES Act FHA Home Loan Relief

April 2, 2020 - If you have an FHA mortgage, refinance loan, or One-Time Close construction mortgage and are experiencing financial hardship as a result of the COVID-19 outbreak, you may qualify for certain relief measures including those announced in this latest HUD action. What kind of relief may be available to you?

FHA Loan Advice From HUD During the Coronavirus Outbreak

April 1, 2020 - FHA lenders have been asked by the Department of Housing and Urban Development to use reasonable judgment when trying to decide who is legitimately affected by COVID-19 for the purpose of evaluating the loan.

FHA Announces Coronavirus-Related Changes to Loan Approval Rules

March 30, 2020 - Recently the FHA and HUD issued a mortgagee letter announcing that appraisal rules had been temporarily modified to permit exterior-only appraisals for FHA home loans and reverse mortgages.

HUD Announces Measures to Help FHA Borrowers During the Coronavirus Pandemic

March 20, 2020 - The Department of Housing and Urban Development has announced immediate relief for home owners affected by the national coronavirus outbreak. Effective immediately there is a HUD-mandated moratorium on all foreclosures on FHA Single-Family home loans for sixty days.

What to Do if You Fall Behind on Your FHA Home Loan During the Coronavirus

March 19, 2020 - Making your mortgage payment in times like these can be challenging, and many fear getting behind. What should a home owner do if it appears that a late or missed home loan payment is on the horizon?