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.
What this actually means.
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.
Where this can move.
Gift source and donor eligibility, seller credit limits, down payment assistance program rules, and source-of-funds documentation can change the answer.
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Educational only. FHA guidelines, lender overlays, rates, fees, and underwriting requirements can change. Final eligibility depends on full underwriting review. Mortgage Expert, Inc. is not affiliated with HUD, FHA, or any government agency.