Essex NHF (National Homebuyers Fund) provides 3.5%–5% down payment and closing cost help paired with FHA — forgivable or amortizing second liens nationwide except NY and WA.
Essex NHF (National Homebuyers Fund) DPA | The 2 Mortgage Guys
Essex NHF (National Homebuyers Fund) provides 3.5%–5% down payment and closing cost help paired with FHA — forgivable or amortizing second liens nationwide except NY and WA.
Essex NHF Down Payment Assistance
How much Essex NHF can contribute
Choose your Essex NHF second lien
Borrower & property guidelines
Essex NHF FAQ
Ready to explore Essex NHF assistance?
Get 3.5% or 5% toward your down payment and closing costs — paired with FHA financing. Essex NHF (National Homebuyers Fund) helps primary buyers close with less cash out of pocket nationwide (except NY and WA).
Assistance amount
Essex NHF provides 3.5% or 5% of the lower of the sales price or appraised value toward your down payment and closing costs — layered as a second lien on top of your FHA first mortgage.
Standard assistance
Pairs naturally with FHA 3.5% down — potentially minimal cash at closing when combined with seller credits.
Example: $350,000 home → $12,250 in assistance
Enhanced assistance
Maximum cash-to-close relief — covers down payment, closing costs, or both up to 5% of the lower of price or appraised value.
Example: $400,000 home → $20,000 in assistance
Two structures
Essex NHF offers a forgivable deferred second with no monthly payment, or a 10-year amortizing second with predictable monthly payback. Ryan and Steve model both against your FHA scenario before you write an offer.
Essex NHF opens doors for repeat buyers and files without income caps — but every scenario still goes through full FHA underwriting. Here is what we screen before you write an offer.
Common questions
Straight answers on assistance amounts, forgiveness rules, rates, geography, credit, and education requirements.
Talk with Ryan and Steve about forgivable and amortizing Essex NHF structures paired with FHA — so you know your cash to close before you shop.
Essex NHF down payment assistance programs are subject to borrower qualification, property eligibility, and lender approval. Rates, terms, and program availability may change without notice and are not available in all states. This page is educational — your scenario is underwritten against current guidelines.
- Essex NHF (National Homebuyers Fund) down payment assistance — 3.5% or 5% toward down payment and closing costs paired with FHA financing