What Is HOPER?
The FHA HOPER Program stands for “Homeownership Purchase Assistance for Equity and Resilience.”
It offers eligible homebuyers up to $13,000 in down payment and closing cost assistance—no repayment required if you meet the program terms.
It's a game-changer for first-time and first-generation buyers.
How Does HOPER Work?
Check Your Eligibility
See below! Do you meet the criteria? If so, we'd love to speak with you.
Apply with a HOPER-Approved Lender
We’ll connect you with a trusted loan officer who specializes in HOPER and can guide you through the process.
Get Funded and Close on Your Home
Once approved, you’ll receive up to $13,000 in assistance. Use it toward your down payment, closing costs, or even to reduce your monthly mortgage payments.
How Do I Know If I Qualify?
- Be purchasing a single-family home as your primary residence (no condos).
- Have a credit score of 620 or higher.
- Complete a 6–8 hour online homebuyer education course.
- Participate in a financial mentorship program.
- Use an FHA Simply Solar loan to finance the cost of adding solar panels to your home—installed after you move in, with no delays to your closing.
- Agree to respond to occasional follow-up surveys to support program research.
WANT TO LEARN MORE ABOUT HOPER? CONTACT US!
CEO / Realtor | License ID: AZ SA699681000 MO 2021050172
+1(602) 805-7787 | tim@swhres.com