New Mexico · Second mortgage

MFA DPA (New Mexico)

$8,000

$1,000-$8,000 for down payment and closing costs. Second mortgage at MFA rate. Pairs with FirstHome or NextHome.

MFA's DPA provides up to $8,000 toward down payment and closing costs. In New Mexico's affordable housing market, where median prices are around $280,000, $8,000 covers the full 3.5% FHA down payment with funds remaining for closing costs.

The program is available through MFA's network of approved lenders statewide. New Mexico's growing tech sector in Albuquerque and government employment in Los Alamos and Sandia Labs are bringing new residents who can benefit from DPA as they establish roots in the state.

Amount$8,000
TypeSecond mortgage
Available inNew Mexico
First-time buyer requiredYes
Minimum credit score620
Multi-unit eligibleYes — 1-4 units

House-hack eligible

This program can be used on 1-4 unit properties. Live in one unit, rent the others.

Programs that pair with this

FHA Loan Saves ~$33,000 on a $200K home vs 20% down
Federal · Subsidized loan
VA Loan $0 down + no monthly mortgage insurance
Federal · Federal benefit
NACA Program $0 down + $0 closing + $0 PMI + below-market rate
National · Nonprofit program
MFA FirstHome (New Mexico) Below-market rate + DPA available
New Mexico · Subsidized loan
MFA NextHome (New Mexico) Below-market rate + DPA for repeat buyers
New Mexico · Subsidized loan
All New Mexico programs →

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