Can you use down payment assistance with an FHA loan?
Yes: 1576 of the 2,700-plus programs in the catalog name FHA among the loan types they can be paired with.
FHA is among the most widely accepted loan types across the catalog, in part because its own down payment requirement is low enough that assistance can cover it. The assistance program and the FHA lender underwrite separately, and the lender must be willing to accept the assistance as a source of funds.
State by state
51 states and territories have at least one. Each links to that state's full directory.
| State | Programs naming FHA |
|---|---|
| California | 301 |
| Florida | 167 |
| Texas | 132 |
| Colorado | 77 |
| Maryland | 50 |
| Minnesota | 47 |
| Virginia | 47 |
| Georgia | 44 |
| Ohio | 38 |
| Pennsylvania | 34 |
| North Carolina | 33 |
| South Carolina | 32 |
| New Jersey | 31 |
| New York | 30 |
| Louisiana | 29 |
| Washington | 29 |
| Oklahoma | 27 |
| Massachusetts | 25 |
| Illinois | 24 |
| Tennessee | 23 |
| Utah | 23 |
| Arizona | 22 |
| Indiana | 21 |
| Iowa | 18 |
| Montana | 18 |
| Connecticut | 17 |
| Oregon | 17 |
| Delaware | 16 |
| Nevada | 16 |
| Hawaii | 11 |
| Kentucky | 11 |
| Mississippi | 11 |
| New Hampshire | 11 |
| South Dakota | 11 |
| West Virginia | 11 |
| Alaska | 10 |
| Alabama | 10 |
| Kansas | 10 |
| Idaho | 9 |
| Michigan | 9 |
| North Dakota | 9 |
| Nebraska | 9 |
| Wyoming | 9 |
| District of Columbia | 8 |
| Vermont | 7 |
| Maine | 6 |
| Missouri | 6 |
| New Mexico | 6 |
| Arkansas | 5 |
| Rhode Island | 5 |
| Wisconsin | 4 |
Questions, answered
Can you use down payment assistance with an FHA loan?
Yes: 1576 of the 2,700-plus programs in the catalog name FHA among the loan types they can be paired with. FHA is among the most widely accepted loan types across the catalog, in part because its own down payment requirement is low enough that assistance can cover it. The assistance program and the FHA lender underwrite separately, and the lender must be willing to accept the assistance as a source of funds.
Where do these numbers come from?
Hey Prescott maintains a catalog of active down payment assistance programs across all 50 states and DC, each verified against the administering agency's own published material and carrying the date it was last checked. The counts on this page are drawn from that catalog and refresh as it does.
Is Hey Prescott a lender?
No. Hey Prescott is an educational directory of down payment assistance programs. We list programs and link to official sources; we do not make loans or give individualized lending advice.
More questions
- Do you have to pay back down payment assistance?
- Do you have to be a first-time buyer to get down payment assistance?
- Can you combine down payment assistance programs?
- Do you need a homebuyer education class for down payment assistance?
- What credit score do you need for down payment assistance?
- Can you use down payment assistance on a manufactured home?
90-second match
Not sure which you qualify for?
Answer 9 questions and we'll match you to every program you can actually use — in about 90 seconds. No SSN, no credit pull.
Find my programs