Home-Entry Assist

Program Overview:

The Home-Entry Assist program provides qualified buyers with down payment assistance (DPA) designed to cover the standard FHA minimum down payment requirement for a home purchase. By utilizing this assistance, the program is designed to make buying a home with Little-to-No down payment upfront easier—potentially allowing you to move in sooner and retain more of your savings for other needs.

Eligibility & Terms:

Income: Must be at or below 160% of the Area Median Income (AMI)
Credit Score: Must be 600 or higher
Max Loan Amount: The loan amount must fall within the 2026 FHA loan limits
Occupancy: You must occupy the property as your primary residence
Property Type: Available for single-family and two-unit properties
Loan Type: Must be an FHA 30-year fixed mortgage
Down Payment Assistance: Up to 3.5% of the property's value
Loan Holding Requirement: You must hold the loan for at least 3 years

Find Out If You Qualify

See if you meet the requirements in minutes

Disclaimer: This is not a commitment to lend. Down payment assistance is provided through a secondary lien that may require repayment. All loans are subject to credit review, underwriting approval, and program guidelines. Loan terms, program availability, and underwriting requirements are subject to change without notice and may vary by lender. Lock It Mortgage acts strictly as an originating broker; we do not directly distribute state housing funds or issue independent non-profit grant allocations.

Home-Entry Assist

What's your FICO score?

Will you occupy the property as your primary residence?

Yes No

What is the property’s ZIP code?

Is your total pre-tax income lower than

Yes No

What is the home’s purchase price?

Great news!
You’re one step closer to owning your dream home with our Home-Entry Assist program.

To move forward, please provide your contact details. One of our loan officers will reach out to confirm your eligibility and guide you through the entire process.

Unfortunately, you’re not eligible for
the Home-Entry Assist program at this time

Reason(s):

Your credit score does not meet the program’s requirement at this point (below 600).
This program is intended for primary residence purchases only.
Your income exceeds the allowable limit for the property's area .
The estimated loan amount, based on 96.5% of the property's value, exceeds the FHA loan limit for that area.

But don’t worry - This isn’t your only option.
We have other loan programs that might be a great fit for you.

Please share your contact details below and one of our Loan Officers will be in touch to walk you through your options and help find the best program for your needs.

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Disclaimer: By submitting this form, you consent to Lock It Mortgage, our service providers, and affiliates contacting you via phone call, email, and text message (SMS/MMS) to assist with your request and improve your experience. Consent is not a condition for using Lock It Mortgage’s services. Message and data rates may apply. Messaging frequency may vary. Reply STOP to opt-out; Reply HELP for support. Visit Privacy Policy and Terms Of Use for details.