The nation’s biggest privately funded first time home buyer down payment assistance program, since 1997, The Nehemiah Program® has help out over 164,000 families working with more than 9,000 lenders nationwide to make available more than $612 million in down payment gift funds: Baltimore HUD US Department of Housing and Urban Development homes : can help You with The Nehemiah Program.

The Nehemiah Program provides gift funds for downpayment and closing costs to qualified homebuyers using an eligible loan program, such as FHA or a conventional loan that allows gifts from charitable organizations. Gift Funds of 1% to 6% of the final contract sales price can be received, depending on the particular needs of the homebuyer.

There are 4 basic program requirements:

• Both the homebuyer and seller must agree to participate in the Nehemiah Program,
• Homebuyer must use an eligible single-family 1-4 unit loan program such as an FHA loan or a conventional loan that allows gifts from charitable organizations,
• Homebuyer must purchase a Nehemiah participating home,
• Homebuyer must be the primary occupant of the property (non-occupant co-borrower(s) may assist primary occupant to qualify for the mortgage).

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