The Empowered 3.5% Down Payment Assistance Program provides a forgivable assistance amount (2% or 3.5%) toward down payment or closing costs if you secure an FHA loan; there’s no income limit in many cases, but credit score of at least 620 is required; property must be purchase of a single-family or two-unit home or eligible manufactured home; program not available in Washington. Note: the interest rate may be higher (about ~1% above standard FHA rate) and cannot be combined with other DPA programs.