At Kind Lending, we’re dedicated to making homeownership more accessible. That’s why we’re excited to offer the National FHA 100% + Down Payment Assistance (DPA) program, designed to help homebuyers secure their dream home with little upfront cost. Available in 47states, this program allows you to boost your financing options and take the next step toward homeownership.

What is the FHA 100% Down Payment Assistance Program?

The National FHA 100% Down Payment Assistance (DPA)program provides qualified homebuyers with down payment assistance up to 5%of the sales price or appraised value. This means that you can purchase a home without the burden of a large down payment, making it easier to get into a home with less upfront financial stress.

Key Program Features:

• Minimum 600 FICO®: With a minimum FICO ® of 600, this program is accessible to many buyers.
• Down Payment Coverage: Qualified buyers can receive 3.5% - 5% in DPA. The proceeds can be used toward the down payment and/or closing costs.
• No First-Time Homebuyer Requirement: Unlike many other DPA programs, this program does not have a first-time buyer requirement.
• Standard & High Balance Loan Amounts: Borrowers can choose between standard and high balance loan amounts depending on the property and loan limits in their area.
• Eligible Properties: Covered properties include single-family residence, PUDs, townhomes, condos and even manufactured homes!
• 2-1 Buydown Options: Buyers can temporarily reduce their initial mortgage payments with this option.

Why Choose Kind Lending?

At Kind Lending, our team is here to help you understand your financing options and guide you through every step of the mortgage process. We’re focused on expanding consumer knowledge and providing resources that make homeownership achievable for everyone.

Whether you’re a first-time homebuyer or looking for a new property, Kind Lending’s National FHA 100% + Down Payment Assistance program can help you turn your homeownership dreams into reality.

Ready to get started? Connect with us today to learn more about how this program can benefit you!

Kind Lending, LLC is an FHA-approved lending institution and is not acting on behalf of, or at the direction of HUD/FHA or the federal government. FHA charges a one-time upfront mortgage insurance premium, which can be financed as part of the loan. Program not available in New York, Massachusetts, and Washington.