Hart has a down payment program which offers grants to homebuyers as gift funds up to $15,000 toward the purchase of a home.
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Hart Program

FHA Loan Rates
September 05, 2008
30 Yr. Fixed
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No Points
Low Interest
Best APR
15 Yr. Fixed
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No Points
Low Interest
Best APR
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FHA Facts | FHA Loan Types | Down Payment Grants

FHA Down Payment Grants
-- HART

The Housing Action Resource Trust or HART program is a non-profit housing organization offering help to home buyers who qualify for FHA "first mortgage" loans. A first mortgage does not mean "first-time home buyers only," but rather those who are getting the initial mortgage and not applying for a second mortgage or home equity loan.

Those who have pre-approval for an FHA loan or have an approved FHA loan qualify for HART. This program is aimed at those who have the right credit and employment to qualify for an FHA loan but lack the money for a down payment and/or closing costs. To use the Housing Action Resource Trust: " Get an FHA-approved loan or pre-approval on an FHA loan. " Find a house and make an offer. " Tell your realtor you want to buy the home using the Housing Action Resource Trust program " Contact your loan officer, who applies to the HART program on your behalf. As with other down payment assistance programs, the seller must agree to participate in the HART program. Your loan officer will let you know when funds are scheduled to be transferred in your name for the down payment and/or closing costs. If your seller has not signed up for the HART program but is willing to participate, ask your loan officer and/or realtor for details on how the seller may register with the House Action Resource Trust.

Down payment assistance programs generally require the seller to pay a fee to participate. This fee is considered a payment for services rendered and not a tax-deductible charitable contribution.

For more information on how the grant program can be beneficial to you, you must be a qualified home buyer under the fha home loan program. We recommend that you first get pre-approved for an FHA home loan and then your lender will assist with getting you educated on the down payment program that is right for you.



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