Q&A · Down Payment Assistance
How does the FHA 100% Combo work?
It's an FHA first mortgage paired with a second lien that covers the 3.5% down payment.
- First: FHA at 96.5% LTV
- Second: covers the remaining 3.5%
- Credit: 600 minimum
- Property: 1-2 units, FHA-approved condos, manufactured homes
- States: national except NY and WA
- Education: homebuyer course required
Want to see if you qualify? Send the 60-second eligibility form — your state, income range, and credit estimate. We'll match you to every program that actually fits. Check my eligibility →