Mississippi · Grant

MHC Smart Solution (Mississippi)

4% grant — no repayment ever

4% of loan amount as a grant — no repayment, no deed restrictions. True free money.

MHC's Smart Solution provides 4% as a true grant — no repayment required. Unlike Mississippi's deferred-loan programs, this grant has no second mortgage and no repayment at sale or refinance.

Amount4% grant — no repayment ever

TypeGrant

Available inMississippi

First-time buyer requiredNo

Minimum credit score640

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

MHC Smart6 (Mississippi) $6,000

Mississippi · Deferred 0% loan

MHC Smart7 (Mississippi) $6,000

Mississippi · Deferred 0% loan

MHC Easy8 (Mississippi) $8,000

Mississippi · Deferred 0% loan

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