Down Payment Assistance (DPA) - 100% Financing

Down payment assistance programs and/or grants were researched by the team at Please note that all programs listed on this website may involve a second mortgage with payments that are forgiven, deferred, or subsidized in some manner until resale of the mortgaged property.

FHA.coms compilation is not a complete list, but it can serve as a starting point in your search for the down payment assistance program or grant for your situation.It is up to the consumer to contact these entities and find out the specifics of each program.

Down Payment Grants in Maryland (MD):

Mortgage Assistance for Virginia (VA):

Mortgage Assistance for District of Columbia (DC):

Federal Housing Administration (FHA)

  1. Minimum Down Payment: 3.5%
  2. Available from 1 – 4 Unit Properties
  3. Minimum FICO Required: 580
  4. Insured by Federal Housing Administration (FHA)

Home Ready / Home Possible

  1. Minimum down payment: 3%
  2. Suitable for low income
  3. Must be first time home buyer

Individual Taxpayer Identification Number (ITIN)

  1. Purchase/Refinancing/Cash out refi
  2. NO CREDIT 70% LTV
  3. 700 FICO 80% LTV
  4. 1 month Bank Statement or VOD
  5. NO paystub NO W-2
  6. Loan Amount $75K to $1M
  7. Rate 4.625% to 6%

Foreign National

  1. LTVs: Up to 70%
  2. Interest-Only Option
  3. Loan amounts: Up to $2.5M
  4. Eligible for second home
  5. Qualify as DSCR > 100 or No Ratio

Bank Statement Program

  1. Self Employed
  2. Minimum Credit Score: 600
  3. Up to 90% LTV no MI
  4. 12 months bank statement
  5. Up to 3M
  6. Non-Warrantable condos allowed

Investor Solution

  1. LTVs: up to 80%
  2. Loan amounts: from $75k to $1.5mm
  3. FICOs: down to 600
  4. No DSCR needed with 700 FICO and 75% LTV
  5. Interest Only available
  6. Cash Out Options
  7. No Limit on total number of properties
  8. Can close as LLC
  9. 40 years fixed interest only available
  10. Non-Warrantable condos allowed