The Home Advantage zero down FHA mortgage helps make homeownership more affordable for more customers nationwide.


Home Advantage zero down FHA mortgage offers down payment assistance (DPA) up to 5% of the home purchase price to help with your down payment and closing costs.


  • Zero down payment required
  • No first-time home buyer requirement
  • No income restrictions
  • No geographic restrictions
  • DPA second mortgage is fully forgiven after five (5) years.
  • DPA has a zero percent interest rate and no monthly payments.
  • DPA is available with purchase of a primary residence through FHA






Prosperity Home Mortgage, LLC, Prosperity Home Mortgage, LLC dba DFW Texas Mortgage, LLC dba Edina Realty Mortgage, Prosperity Home Mortgage, LLC dba FM Lending Services, Prosperity Home Mortgage, LLC dba Long Mortgage Company, and HomeServices Lending are not affiliated with any government agencies.

Some and/or all qualifying criteria may be set by independent third party program sponsors. Contact your mortgage consultant for program eligibility and details.

Low down payment options may not be set by independent third party program sponsors. Contact your mortgage consultant to review potential loan scenarios and financing options to determine the home loan that is right for you. Not all borrowers will qualify.

Interest rate and annual percentage rate (APR) are based on current market conditions, are for informational purposes only, are subject to change without notice and may be subject to pricing add-ons related to property type, loan amount, loan-to-value, credit score and other variables. Estimated closing costs used in the APR calculation are assumed to be paid by the borrower at closing. If the closing costs are financed, the loan, APR and payment amounts will be higher. If the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. Contact us for details. Additional load programs may be available. Accuracy is not guaranteed and all products may not be available in all borrower’s geographical area and are based on their individual situation. This is not a credit decision or a commitment to lend.

  1. Home Advantage is not available in Alaska, Hawaii, and New York.
  2. Standard & customary closing costs still apply.
  3. The second mortgage is forgiven at 20% per year for 5 years as long as property remains a primary residence.
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