100% FHA Down Payment Assistance: A Smarter Path to Homeownership in CT, FL & NC
Buying a home doesn’t have to mean emptying your savings. With the 100% FHA Down Payment Assistance (DPA) program, buyers in Connecticut, Florida, and North Carolina can step into homeownership with little to no upfront cost—and far more flexibility than traditional grant or bond programs.
Why This Program Changes the Game
✅ Covers Your Full 3.5% FHA Down Payment
No more stressing about how to save for the required FHA down payment. This program provides a second mortgage of 3.5% or 5%, covering not just your down payment but also helping with closing costs.
✅ Two Types of Assistance
Repayable Second Mortgage: Structured with affordable terms to fit your budget.
Forgivable Over Time: Designed to reward long-term homeownership by reducing or eliminating repayment obligations.
✅ No Income Limits
Unlike many state housing programs, this option is open to all borrowers regardless of income level.
✅ No First-Time Homebuyer Requirement
Whether it’s your first house or your next one, you’re eligible.
✅ Credit Scores Down to 660
Designed for real-life buyers—not just those with perfect credit.
✅ FHA Flexibility on Debt-to-Income (DTI)
Since this program follows FHA guidelines, you can qualify with higher DTI ratios than most state bond or grant programs allow—giving you a better chance of approval.
✅ Property Options
Eligible for single-family homes, condos, PUDs, and even manufactured homes—as long as it’s your primary residence.
Why Buyers in CT, FL & NC Should Act Now
Home prices and rents continue to rise, and saving tens of thousands for a down payment can take years. This program removes that barrier today. Whether you’re in Hartford, Orlando, or Raleigh, you can secure your dream home sooner without draining your bank account.
Side-by-Side Comparison
Start Your Homeownership Journey
At Northeast Financial, we’ve helped buyers across Connecticut, Florida, and North Carolina unlock programs like this one to achieve their homeownership goals. Our team makes the process simple, fast, and stress-free.
👉 Schedule your free mortgage consultation to learn how you can qualify for 100% FHA Down Payment Assistance.
Your home is closer than you think—this program can help you open the front door.
Your Northeast Financial Staff
(844) 788-7237
NMLS#117273
