Flexible guidelines
FHA can be more flexible for certain credit, debt-to-income and down-payment situations.
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Get pre-qualified →FHA & assistance
FHA and down-payment assistance without the guesswork.
Explore flexible qualifying and lower-cash options with a clear explanation of mortgage insurance, eligibility and tradeoffs.
HOW TO THINK ABOUT IT
FHA and assistance programs can create a path to homeownership, but the lowest cash-to-close option is not automatically the lowest-cost option. We compare scenarios so you can see what fits now and later.
WHO IT MAY HELP
Is this the right direction?
✓Buyers with limited down-payment funds
✓Borrowers rebuilding or establishing credit
✓Qualified buyers seeking Colorado assistance programs
✓Buyers comparing FHA with 3% down conventional financing
WHAT WE COMPARE
Look past the headline rate.
Assistance options
Eligible programs may help with down payment or closing costs, subject to income and program limits.
See the tradeoffs
We compare mortgage insurance, rate, cash needed and future refinance considerations.
FROM QUESTIONS TO CLOSING
A simple, guided process.
- 01Confirm income, credit and occupancy eligibility
- 02Identify applicable assistance and FHA options
- 03Compare cash-to-close and monthly payment
- 04Prepare the offer and complete required education when applicable
COMMON QUESTIONS
Answers before you apply.
01What is the minimum FHA down payment?+
FHA commonly requires 3.5% down for qualified borrowers who meet applicable credit requirements.
02Does assistance have to be repaid?+
It depends. Some programs use grants, while others use repayable, deferred or forgivable second mortgages. Terms must be reviewed program by program.
03Can FHA be used for any property?+
The property must meet FHA eligibility and minimum property standards, and the borrower generally must occupy it as a primary residence.
PERSONALIZED NUMBERS, NOT GENERIC ANSWERS
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