Gifts, DPA & Seller Contributions
The source of the money matters. A gift, seller credit, grant, second mortgage and lender credit may all help with cash to close—but they follow different rules.
Explore transaction funds
Personal gift funds
Eligible donors, uses and minimum borrower contribution.
Gift of equity
Family-sale equity, down payment and closing costs.
Seller concessions
3%, 6%, 9% and investment-property limits.
Down payment assistance
Grants, forgivable seconds and repayable assistance.
Community Seconds / subordinate financing
Fannie affordable-housing subordinate financing.
Lender credits
Premium pricing, direct lender credits and excess-credit treatment.
Minimum borrower contribution
When the buyer can use 100% gifted funds and when own funds are required.
Sales vs. financing concessions
Why furniture, rebates and giveaways can affect value/LTV.
Official guide baseline
Fannie Mae Selling Guide · Freddie Mac Seller/Servicer Guide
Program terms, AUS findings and lender overlays control. DPA program eligibility must also be verified with the program administrator.