FHA down payment assistance
with no income limits —
up to $13,000 free
FHA down payment assistance with no income limits is finally here. The HOPER program may provide up to $13,000 toward your FHA home purchase — as research participant compensation. No repayment. No second lien. No income test.
- FHA down payment assistance with no income limits — unlike traditional DPA programs
- Up to 3.5% of purchase price — covers down payment, closing costs, or rate buydown
- No repayment required — ever. Funds are research compensation, not a loan
- No second lien placed on your home
- Works for manufactured homes too
- Includes solar energy program — estimated $4,000–$6,000 federal tax credit post-closing
See If You Qualify for HOPER
Takes 60 seconds. No credit pull. We’ll call you within 5 minutes.
Assistance
No Income Limits
FHA Down Payment Assistance With No Income Limits — How It Works
The HOPER program provides FHA down payment assistance with no income limits to buyers in 9 states. Unlike traditional DPA programs that cut off buyers who earn “too much,” HOPER is open to every FHA-eligible buyer regardless of income. Funds are issued as research participant compensation — not a loan — so there is no repayment and no second lien on your home. Most participants also receive a federal solar tax credit of $4,000–$6,000 post-closing.
How FHA down payment assistance
with no income limits works — 4 steps
From eligibility check to closing day. The HOPER program was built for FHA buyers who are ready to own but short on upfront funds.
Check Your Eligibility Free
Fill out the 60-second form. No credit pull. No commitment. We confirm you qualify for HOPER FHA down payment assistance in your state.
We Call You in 5 Minutes
A CloseReady specialist calls your phone within 5 minutes to explain exactly how much you qualify for and how funds are applied at closing.
Get Enrolled in HOPER
We enroll you directly into the HOPER research program through Attainable Housing Advocates and connect you with a participating loan officer.
Close on Your Home
Your HOPER funds are applied at closing. You walk out a homeowner — with up to $13,000 in FHA down payment assistance applied toward your purchase.
FHA down payment assistance no income limits —
and everything traditional DPA forgot
Most DPA programs come loaded with restrictions. HOPER provides FHA down payment assistance with no income limits — for the buyers those programs leave behind.
No Income Limits — Ever
Traditional DPA programs cut off buyers at 80–120% of Area Median Income. According to HUD’s FHA program guidelines, income limits disqualify thousands of working buyers every year. HOPER has zero income restrictions.
No income limitNo Repayment. No Second Lien.
Most DPA programs are loans — a second lien on your home due when you sell or refinance. HOPER funds are research compensation. You never pay them back. Your home is fully yours from day one.
$0 repaymentWorks on Manufactured Homes
Banks and DPA programs routinely deny manufactured home buyers. HOPER supports FHA loans for manufactured homes — opening the door for buyers most programs shut out entirely.
Manufactured homes includedFederal Solar Tax Credit Included
HOPER participants are enrolled in a solar energy program as part of the research study. Solar installation is bundled into your FHA loan at competitive rates. Most participants receive an estimated federal solar tax credit of $4,000–$6,000 post-closing — significantly reducing your real cost of homeownership.
Est. $4,000–$6,000 tax credit*Use the Funds Your Way
Apply your FHA down payment assistance toward your down payment, closing costs, an interest rate buydown to lower your monthly payment, qualified debt payoff, or cash reserves. You decide where the money does the most good.
Flexible use of fundsEducation + Financial Mentorship
As a HOPER participant you receive pre-closing homebuyer education and post-closing financial mentorship — including tools designed to help you build savings and long-term wealth after you close.
Included*Solar tax credit of $4,000–$6,000 is estimated based on typical program participation and is subject to individual eligibility, solar system size, and federal tax rules. Consult a tax professional.
HOPER FHA down payment assistance
vs. traditional DPA programs
See exactly where HOPER’s no-income-limit FHA down payment assistance outperforms the programs you’ve probably already tried to qualify for.
| Feature | Typical DPA Program | ✦ HOPER via CloseReady |
|---|---|---|
| Income Limits | 80–120% AMI cap — many buyers disqualified | No income limits whatsoever |
| Repayment Required | Often yes — second lien on your home | Never. Zero repayment. |
| Second Lien on Home | Yes — DPA is frequently a lien | No second lien. Home is yours. |
| Max Funds | Varies — often $5,000–$10,000 with strings | Up to $13,000 / 3.5% of price |
| Manufactured Homes | Rarely supported | Supported |
| How Funds Are Used | Down payment only — restricted | Down payment, closing costs, rate buydown, debt payoff |
| Solar Tax Credit | Not included | Est. $4,000–$6,000 federal tax credit |
| Response Time | Days to weeks — bureaucratic process | Call within 5 minutes of applying |
FHA down payment assistance no income limits —
now available in 9 states
Select your state below for local program details, city-by-city breakdowns, and a free eligibility check tailored to your market.
FHA down payment assistance with no income limits across Dallas, Houston, Austin, San Antonio & all TX counties.
Check Texas eligibility →FHA down payment assistance with no income limits across Tampa, Orlando, Jacksonville, Miami & all FL counties.
Check Florida eligibility →FHA down payment assistance with no income limits across Phoenix, Tucson, Mesa, Scottsdale & all AZ counties.
Check Arizona eligibility →FHA down payment assistance with no income limits across Kansas City, St. Louis & all MO counties.
Check Missouri eligibility →FHA down payment assistance with no income limits across Los Angeles, San Diego, Sacramento & all CA counties.
Check California eligibility →FHA down payment assistance with no income limits across Atlanta, Savannah, Augusta & all GA counties.
Check Georgia eligibility →FHA down payment assistance with no income limits across Charlotte, Raleigh, Durham & all NC counties.
Check NC eligibility →FHA down payment assistance with no income limits across Columbus, Cleveland, Cincinnati & all OH counties.
Check Ohio eligibility →FHA down payment assistance with no income limits across Detroit, Grand Rapids, Lansing & all MI counties.
Check Michigan eligibility →FHA down payment assistance no income limits —
everything you need to know
Is there FHA down payment assistance with no income limits?
Yes. HOPER provides FHA down payment assistance with no income limits — up to $13,000 toward your home purchase. Unlike virtually every traditional DPA program, HOPER has zero income restrictions. Whether you earn $30,000 or $130,000 per year, you may still qualify.
Do I have to pay the money back?
Never. HOPER funds are issued as participant compensation through a housing research program administered by Attainable Housing Advocates. There is no repayment requirement — not when you sell, not when you refinance, not ever.
What is the solar tax credit and how much is it?
As part of the HOPER research program, participants receive a solar energy assessment and installation bundled into their FHA loan. Post-closing, most participants qualify for an estimated federal solar tax credit of $4,000–$6,000. Actual credit depends on system size and your individual tax situation. Consult a tax professional for specifics.
Will a second lien be placed on my home?
No. This is one of the most important differences between HOPER FHA down payment assistance and traditional DPA. Most DPA programs put a lien on your property. HOPER does not. Your home is fully yours from the day you close.
How much FHA down payment assistance can I receive?
HOPER provides up to 3.5% of your purchase price, with a maximum of $13,000. On a $200,000 home that is $7,000. On a $371,000 home that is the full $13,000 — enough to cover your entire FHA down payment requirement. Plus an estimated $4,000–$6,000 solar tax credit post-closing.
Do I need to already be FHA pre-approved?
Not necessarily. While many CloseReady applicants already have FHA pre-approval, we also work with buyers who are earlier in the process. According to HUD’s FHA program, buyers with 580+ credit scores may qualify for 3.5% down. Submit your eligibility check and our specialists will meet you where you are.
What states is HOPER available in?
HOPER FHA down payment assistance with no income limits is currently available in Texas, Florida, Arizona, Missouri, California, Georgia, North Carolina, Ohio, and Michigan. We are actively expanding. Submit your check even if you’re in another state — we’ll notify you when HOPER launches in your area.
What happens after I submit the form?
A CloseReady specialist will call you within 5 minutes. They’ll confirm your eligibility for FHA down payment assistance with no income limits, explain exactly how the funds work, and walk you through next steps. The call takes about 10–15 minutes and there is no pressure or obligation.
FHA down payment assistance
with no income limits — free to check.
See if you qualify for up to $13,000 toward your FHA home purchase in 60 seconds. No credit pull. No commitment. No income test.
Check My Eligibility — It’s Free →Available in Texas · Florida · Arizona · Missouri · California · Georgia · North Carolina · Ohio · Michigan