You’re FHA approved.
Let’s get you closed.
The down payment shouldn’t stop you from becoming a homeowner. CloseReady connects first-time buyers with the HOPER program — up to $13,000 in funds toward your home purchase. No income limits. No repayment. No second lien on your home.
- ✓ Up to 3.5% of purchase price — covers down payment, closing costs, or rate buydown
- ✓ No income limits — unlike traditional DPA programs
- ✓ No repayment required — ever
- ✓ No second lien placed on your home
- ✓ Works for manufactured homes too
- ✓ Paired with energy savings program to reduce monthly costs
See If You Qualify for HOPER
Takes 60 seconds. No credit pull. We’ll call you within 5 minutes.
No spam. No credit pull. By submitting you agree to be contacted by a CloseReady specialist. Consent not required to receive services. See Terms & Privacy Policy.
You’re in! We’re calling you now.
A CloseReady specialist will call your number within 5 minutes to walk you through your HOPER eligibility. Check your phone.
From stuck to closed
in four steps
The HOPER program was built for buyers exactly like you — FHA-ready, but short on upfront funds. Here’s how we get you across the finish line.
Check Your Eligibility
Fill out the 60-second form above. No credit pull. No commitment. We confirm you qualify for the HOPER program in your state.
We Call You in 5 Minutes
A CloseReady specialist calls your phone within 5 minutes to explain exactly how much you qualify for and how the funds are applied to your purchase.
Get Enrolled in HOPER
We enroll you directly into the HOPER research program through Attainable Housing Advocates and connect you with a participating loan officer in your state.
Close on Your Home
Your HOPER funds are applied at closing. You walk out a homeowner — with funds toward your down payment, closing costs, or a lower interest rate.
Everything traditional DPA
forgot to include
Most down payment assistance programs come loaded with restrictions. HOPER was built differently — for the buyers those programs leave behind.
No Income Limits — Ever
Traditional DPA programs cut you off at 80–120% of Area Median Income. Earn too much and you’re disqualified — even if you still can’t save the down payment. HOPER has zero income restrictions.
No Repayment. No Second Lien.
Most DPA programs are actually loans — a second lien on your home that must be repaid when you sell or refi. HOPER funds are research compensation. You never pay them back. Your home is yours free and clear.
Works on Manufactured Homes
Banks and DPA programs routinely deny manufactured home buyers. HOPER supports FHA loans for manufactured homes — opening the door for buyers most programs shut out.
Use the Funds Your Way
Apply your HOPER funds toward your down payment, closing costs, an interest rate buydown to lower your monthly payment, or even qualified debt payoff. You decide where the money does the most good.
Paired Energy Savings Program
HOPER participants are also enrolled in an energy savings program that reduces monthly utility costs — lowering your total cost of homeownership from day one.
Education + Financial Tools
As a HOPER participant, you receive meaningful homeowner education and financial tools designed to help you build savings after closing — not just get you in the door.
HOPER vs. Traditional DPA Programs
See exactly where HOPER outperforms the programs you’ve probably already tried to qualify for.
| Feature | Typical DPA Program | ✦ HOPER via CloseReady |
|---|---|---|
| Income Limits | 80–120% AMI cap — many buyers disqualified | ✓ No income limits whatsoever |
| Repayment Required | Often yes — second lien on your home | ✓ Never. Zero repayment. |
| Second Lien on Home | Yes — DPA is frequently a lien | ✓ No second lien. Home is yours. |
| Max Funds | Varies — often $5,000–$10,000 with strings | ✓ Up to $13,000 / 3.5% of price |
| Manufactured Homes | Rarely supported | ✓ Supported |
| How Funds Are Used | Down payment only — restricted | ✓ Down payment, closing costs, rate buydown, debt payoff |
| Response Time | Days to weeks — bureaucratic process | ✓ Call within 5 minutes of applying |
| Energy Savings Program | Not included | ✓ Included — reduces monthly costs |
Everything you want to
know before you apply
Is there an income limit to qualify?
No. Unlike virtually every traditional down payment assistance program, HOPER has no income limits. Whether you earn $30,000 or $120,000 per year, you may still qualify. If you’ve been turned away by DPA programs for “earning too much,” HOPER was built for you.
Do I have to pay the money back?
Never. HOPER funds are issued as participant compensation through a housing research program administered by Attainable Housing Advocates. There is no repayment requirement — not when you sell, not when you refinance, not ever.
Will a second lien be placed on my home?
No. This is one of the most important differences between HOPER and traditional DPA. Most DPA programs put a lien on your property. HOPER does not. Your home is fully yours from the day you close.
How much can I receive?
HOPER provides up to 3.5% of your purchase price, with a maximum of $13,000. On a $200,000 home, that’s $7,000. On a $370,000 home, that’s the full $13,000 — enough to cover your entire FHA down payment requirement.
Do I need to already be FHA pre-approved?
Not necessarily. While many CloseReady applicants already have FHA pre-approval, we also work with buyers who are earlier in the process. Submit your eligibility check and our specialists will meet you where you are.
Does HOPER work for manufactured homes?
Yes. Manufactured home buyers are one of the most underserved groups in housing — most DPA programs and many lenders won’t touch them. HOPER is designed to work alongside FHA loans for manufactured housing as well as traditional properties.
What states is HOPER available in?
CloseReady currently serves homebuyers in Texas, Florida, Arizona, and Missouri. We are actively expanding. Submit your eligibility check even if you’re in another state — we’ll notify you the moment HOPER launches in your area.
What happens after I submit the form?
A CloseReady specialist will call you within 5 minutes. They’ll confirm your eligibility, explain exactly how the funds work, and walk you through the next steps. The call takes about 10–15 minutes and there is no pressure or obligation.
Your down payment
is not the finish line.
Check your HOPER eligibility in 60 seconds — no credit pull, no commitment, no income test.
Check My Eligibility — It’s Free →Available in Texas · Florida · Arizona · Missouri · More states coming soon