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Supporting member mortgage lending to first-time homebuyers through down payment and closing cost assistance

The 2016 First Front Door Program is now closed. Please check back for information on the upcoming 2017 round.

Through First Front Door (FFD), FHLBank members can open the door for first-time homebuyers. With FFD grants, the Bank will match the qualified homebuyer’s contribution 3-to-1. For every $1 of contribution the homebuyer makes, the Bank will provide $3 in grant assistance, up to a maximum of $5,000.

FFD benefits to FHLBank members:

  • Enhances first-time homebuyer products
  • Improves market competitiveness
  • Strengthens member underwriting
  • Provides CRA credit
  • Empowers first-time homebuyers, deepening banking relationships

Program Resources:

Participating Institutions

FHLBank member institutions currently enrolled in FFD

FFD Program Manual

2016 Program manual

FFD Online System Member Guide

2016 Instruction manual for the FFD Online system

FFD Member Guide to Bank4Banks®

Instruction manual for members to gain access to FFD Online System through Bank4Banks®

FFD Fact Sheet

One-page overview of FFD

FFD Brochure

Detailed overview of FFD and how it works

Webinar Library:

2016 FFD Program Overview

Recording of the FFD Program Overview webinar. Slides from this webinar can be accessed by clicking here.

2016 FFD Online and Income Workbook

Recording of how to use FFD Online and the Income Workbook.

FFD Online How To: Use the Dashboard

Recording of the FFD Program How To: Use the Dashboard

FFD Online How To: Complete a Homebuyer Registration

Recording of the FFD Program How To: Complete a Homebuyer Registration

FFD Online How To: Complete a Disbursement Request

Recording of the FFD Program How To: Complete a Disbursement Request

Application Resources:

Member Enrollment and Agreement Forms

Forms for FHLBank members to enroll in FFD

Income Workbook

2016 FFD form to calculate household income

Zero Income Form

Form to document household member without income

Counseling Certification

Form to document homebuyer completed housing counseling

Repayment of FFD – Sale

Form used when FFD homeowner is selling property

Repayment of FFD – Refinance

Form used when FFD homeowner is refinancing property

FFD Marketing Resources:

Homebuyer Flyer

PDF of FFD homebuyer flyer/ready to use

Homebuyer Flyer to Modify

PDF of FFD homebuyer flyer that has space at top for member customization

Homebuyer Poster

PDF of FFD poster/ready to use

Qualified first-time homebuyers can use FFD grants toward down payment and closing costs. Each prospective homebuyer must:

  • Be a first-time homebuyer (not owned a home within the past three years or owned a home only while married but not as a single person within the past three years – this includes a married couple if either has not owned a home within the past three years)
  • Contribute personal funds as part of the down payment and closing costs
  • Have household income at or below 80 percent of the area median income at the time of registration
  • Complete at least four hours of homeownership counseling, including the topic of predatory lending, prior to the purchase of the home
  • If a student, work at least 30 hours a week
  • Retain the home for five years to avoid having to repay any portion of the grant – an FFD mortgage and note are required as part of the original mortgage documentation

Prospective homebuyers should visit to learn how homebuyers can qualify and apply for FFD funding. FHLBank member institutions must first enroll in FFD before offering it to potential customers. When the FFD funding round opens each year, enrolled members can then follow these steps to register homebuyers for FFD funding:


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