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Down payment assistance programs have expanded and today are offered by state, city, and municipal governments throughout the country.

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Genesis Program (Grant America)

Since President Bush signed the Housing and Economic Recovery Act of 2008 on July 30, 2008, many federally established down payment assistance programs have been cancelled. The Act prohibits seller-funded Down Payment Assistance for loans backed by the Federal Housing Administration. The details of this program are presented for reference only.

About the Program

The Genesis Program, also known as Grant America, offered down payment assistance to low and middle income home buyers. Buyers with an FHA loan or who were pre-approved for FHA mortgages qualified for this program.

  • Grant America offered up to $34,000 in down payment assistance.
  • This program was for those buying new or resale homes.
  • The seller must have participated in the Grant America program and paid a fee.

Down payment assistance and first-time homebuyer programs have expanded and are offered today by state, city, and municipal governments throughout the country. A curated list of down payment assistance programs is available courtesy of FHA.com.

Ask your loan officer for recommendations on down payment assistance programs, or how to make an offer contingent on the use these program.


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