Highlights
1
Minimum FICO: 600
2
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)
20
SFR, Duplex, Double Wide MFG Homes, PUD, Townhouses, HUD-Approved Condos Allowed
21
Max Loan Amount Per County Limit (1st Lien)
Why It Matters
The down payment is often the biggest roadblock between a renter and a homeowner. LegacyBuilder DPA breaks that barrier, providing access to funds that help borrowers step into ownership sooner, with stability and confidence.
Because when we make homeownership more accessible, we’re not just helping someone buy a house, we’re giving families a real shot at building equity, stability, and generational wealth.
Ideal For
Trailblazer Was Built for These Borrowers
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
Let's Close Deals Others Can't
Get approved today!
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.