FHA home loans explained for first-time buyers
Down payment assistance with FHA
The friendly answer
FHA allows down payment help from approved sources such as family gifts, employers and government or nonprofit programs, as long as the source and paperwork meet HUD rules. Assistance programs have their own income and location limits. A HUD-approved housing counselor can point you to local programs.
Last reviewed against the primary sources listed below.
Start with
- A HUD-approved housing counselor.
- Your state housing finance agency.
First-time buyers often ask
Can I get down payment help with an FHA loan?
Yes, from approved sources with proper paperwork.
Who can tell me about local programs?
A HUD-approved housing counselor.