-You can get up to 6% in seller's contribution (some restrictions may apply)-You can get a gift from a relative
-If you buy in a "Targeted Area", you don't have to be a First-Time Homebuyer
-You may qualify for a MSHDA Loan without using down payment assistance at a lower mortgage rate.
-Non-Applicant Household Members' income needs to be included, but they do not need to qualify or be on the mortgage.
-Single Family Homes Only
-Maximum Debt Ratio is 45%