Monthly Mortgage
Standard FHA$2,000
Standard DPA$2,200+
Hoper FHA$2,200
FHA Home Purchase Program
The most flexible $13,000 getting more buyers into homes today
Hoper provides up to 3.5% assistance for FHA borrowers with no second lien, same low FHA rate, refinance flexibility, and multiple ways to use funds.
Two clear paths
Start where you are. Hoper gives homebuyers a clearer route to the front door and gives loan officers a stronger affordability solution to discuss with clients.
I'm a Homebuyer
Explore how up to 3.5% assistance can reduce upfront cash pressure, support debt payoff, and help you purchase with FHA financing.
I'm a Loan Officer
Use Hoper as a competitive FHA option that can preserve rate, avoid second-lien complexity, and give clients more flexible funds.
Why Homebuyers Are Struggling Today
The market is squeezing qualified buyers from every direction
Hoper is designed around the real barriers buyers and loan officers see every day: affordability, debt, and traditional DPA limitations.
Affordability challenges
Home prices remain elevated, interest rates have increased purchasing costs, and closing costs create cash barriers.
Debt limits buying power
Credit cards, auto loans, personal loans, and student loans can reduce DTI room and shrink approval options.
Traditional DPA limitations
Many programs are down-payment-only, add second liens, complicate refinancing, or increase the borrower rate.
Homebuyer Section: How Hoper Works
A simple visual three-step process for buyers who want to understand the path before they book a call.
Step 11. Get pre-qualified
Review lending options, credit score, DTI, state availability, and purchase timeline with Hyrum.
Step 22. Receive Hoper assistance
When the file qualifies, Hoper assistance can be sent to title and prepared for release at closing.
Step 33. Purchase your home
Use eligible funds as needed for down payment, debt payoff, closing costs, rate buydown, or reserves.
Qualification Guide
Check if you may qualify
Answer a few questions and a Hoper specialist can help you confirm next steps.
Benefits
What Hoper can change for a buyer
The program is built to reduce upfront pressure while keeping FHA financing straightforward.
Lower upfront cash requirements
Hoper can help buyers reduce the amount they need to bring into the transaction.
Faster path to homeownership
More flexible fund use can solve more than one cash barrier at the same time.
FHA financing
Designed for FHA borrowers while preserving the same low FHA rate structure.
Flexible qualification options
Hyrum reviews credit score, lending options, state availability, and DTI fit before next steps.
Affordability Tools
Run the numbers before the call
Use these planning paths to frame the questions Hyrum can answer in a file-specific review.
Results
Estimate monthly principal and interest using home price, down payment, rate, and term.
Enter data and choose calculate scenario to view the summary.
See what changes and what does not
Illustrative numbers comparing Standard FHA, Standard DPA, and Hoper FHA.
| Feature | Standard FHA | Standard DPA | Hoper FHA |
|---|---|---|---|
| Monthly Mortgage | $2,000 | $2,200+ | $2,200 |
| Monthly Electric Bill | $300 | $300 | ~$100 |
| Total Monthly Cost | $2,300 | $2,500+ | $2,300 |
| Upfront Earnings | $0 | Varies | Up to $13,000 |
| Interest Rate Impact | None | +0.5-1.0% | None |
| Second Lien Required | No | Usually yes | No |
Monthly Electric Bill
Standard FHA$300
Standard DPA$300
Hoper FHA~$100
Total Monthly Cost
Standard FHA$2,300
Standard DPA$2,500+
Hoper FHA$2,300
Upfront Earnings
Standard FHA$0
Standard DPAVaries
Hoper FHAUp to $13,000
Interest Rate Impact
Standard FHANone
Standard DPA+0.5-1.0%
Hoper FHANone
Second Lien Required
Standard FHANo
Standard DPAUsually yes
Hoper FHANo
FAQ Library
Common questions from buyers and loan officers
Built from the questions teams hear repeatedly in qualification and pre-close conversations.
Hoper can provide up to 3.5% assistance, with many scenarios reaching up to $13,000 depending on borrower and transaction details.
Get Started
Ready to move forward?
Schedule a call with Hyrum to discuss your situation and see if Hoper could be right for you.