Can down payment assistance be used with FHA?
Yes. FHA accepts most state, county, city, and approved-nonprofit DPA programs to cover all or part of the 3.5% down payment.
Plain-English explanation
DPA programs vary by jurisdiction in eligibility, income limits, and home-price caps. Florida programs include statewide HFA options and county or city programs. Some are grants; some are silent or repayable second liens.
What can change the answer?
Gift source and donor eligibility, seller credit limits, down payment assistance program rules, and source-of-funds documentation can change the answer.
Want the real answer for your file?
FHA guidelines are the rule. Your credit, income, payment, property, and county limit are what decide the actual answer.
More FHA questions on Down Payment
Educational only. FHA guidelines, lender overlays, rates, fees, and underwriting requirements can change. Final eligibility depends on full underwriting review.