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Nehemiah Down Payment Assistance Program


*** Updated 10/31/09: HART Program is suspended indefinitely ***

Nehemiah will gift up to 3% of the final sales price to a qualified Nehemiah buyer for the down payment. This allows a you to buy a home with no down payment when combined with a FHA loan. This program requires the assistance of the home seller.

Nehemiah is a private California non-profit housing corporation. Nehemiah is not a government program. The Nehemiah Program gifts money to qualified buyers to purchase Nehemiah properties throughout the United States.

Before a Nehemiah transaction is scheduled to record, Nehemiah delivers the participating buyer's 3% gift money taken from a pre-existing pool of funds and delivers it to the closing company. The seller makes a contribution only after the successful close. Nehemiah is using its own money from a pre-existing trust fund.

Using the Nehemiah program to buy a home is quite simple and can be broken into two simple steps.

  1. Get preapproved for a FHA Loan.
  2. Once approved, find a home and have your Realtor write up the offer using the Nehemiah program.

If your realtor or lender is not familiar with the Nehemiah program, please use our form to get pre-approved and our mortgage professional will help you and your realtor with the program.

If you wish to use the Nehemiah program to purchase a home, take a moment to learn about ra.gif (855 bytes)FHA Loan Qualifying


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