FHA Mortgage Program
FHA down payment assistance program designed to help borrowers overcome affordability challenges with high CLTV options.
Underwriting at a glance
- Minimum FICO
- 620+
- Max LTV (purchase / rate-term)
- 101.5%
- Max LTV (cash-out)
- -
- Loan amount
- -
- Documentation
- full-doc
- States
- most states
Highlights
- •Up to 101.5% CLTV
- •620+ FICO requirement
Want to see if you qualify?
Tell us about your scenario - we'll come back with current pricing and exact guidelines.
Program guidelines and rates can change at any time without notice. Last confirmed 8/10/2026. Not a commitment to lend.
Today's mortgage rates
Conventional
6.250%
6.288% APR
FHA
5.750%
5.780% APR
VA
5.750%
5.780% APR
Conv: 80% LTV, 780 FICO. FHA: 96.5% LTV, 680 FICO. VA: 100% LTV, 680 FICO. 30-yr fixed. Your rate may vary.