Are there any private programs providing downpayment/closing cost assistance without an income cap?Alternatively, are there any zero downpayment programs left exclusive of the VA loan?I'd like to give further details regarding my question: In this particular case, the borrower will be purchasing the home as a primary residence using an FHA loan but there is also a non-occupying co-borrower, who needed to be included for the pre-approval due to the borrower's debt to income ratio. Due to the co-borrower's income level, all federal grant/loan programs offering downpayment assistance are out, correct? (Even if the borrower's income would qualify for such programs?) Second question: Are there any "private" downpayment/closing cost assistance programs in existence?July 27 - San Jose00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.