Highlights
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High Balance Available
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Double-Wide Manufactured Homes Allowed
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Fannie or Freddie Approve Eligible / Accept Required
Highlights
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Minimum FICO: 600
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FHA DPA Down to 580 FICO with AUS Approval
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LTV 96.5/3.5% = CLTV 100%
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3.5% Down Payment Assistance
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Forgivable or Repayable 2nd Options
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DU/LP Approval Required
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No Income Caps
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No Max DTI
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No FTHB Restrictions
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No Median Income Restrictions
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FHA and USDA DPA Options
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Minimal State Restrictions (see matrix)
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Manual Underwrites on DPA down to 600 FICO
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Funds Can Be Used for Down Payment or Closing Costs
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2-1 Buydown Available
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LPC Allowed - No Cap
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High Balance Allowed
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NOO Coborrower Allowed
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Repayment Options & Terms (Repayable 2nd or Forgivable 2nd)
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SFR, Duplex, Double Wide MFG Homes, PUD, Townhouses, HUD-Approved Condos Allowed
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Max Loan Amount Per County Limit (1st Lien)
Why It Works
First-time buyers needing a boost
Borrowers with limited funds for down payment or closing costs
Clients using gift funds, with non-occupant co-borrowers, or who need manual underwriting
Deals that need a DPA that works in real life—not just on paper
Additional Resources
Conventional Loan Forms |
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Conventional Loan Forms |
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Conventional Loan Forms |
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Non-QM Products |
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Let's Get Started
LegacyBuilder DPA
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This is a paragraph. It is connected to a CMS collection through a dataset. Click “Edit Text” to update content in the connected CMS collection. The CMS can be used to store website content, or to collect data from site visitors when they submit a form. The CMS collection is already set up with some fields and content. To customize it with your own content, import a CSV file or simply edit this placeholder text from the collection. You can also add more fields, which you can then connect to other page elements to display content on your published site.