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

The 2015 First Front Door Program is closed. Please check back for more information about our 2016 Program.

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:

2015 Member Guide to FFD Online

Instruction manual for the FFD Online system

FFD Program Manual

Program manual

Guide to accessing FFD Online

Manual to access FFD Online system

FFD Fact Sheet

One-page overview of FFD

FFD Brochure

Detailed overview of FFD and how it works

FFD Online Training

Recorded training video demonstrating how to use FFD Online

2015 FFD Online Introduction

Recorded webinar introducing FFD Online

Introduction to FFD 2015 Webinar

Overview of what's new for FFD in 2015

Participating Institutions

FHLBank member institutions currently enrolled in FFD

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:

Application Resources:

Member Enrollment Form

Form for FHLBank members to enroll

Member Agreement Form

One-page member agreement form to participate in FFD

Income Workbook

Form to calculate and document FFD homeowner income

Repayment of FFD – Sale

Form used whenever FFD homeowner is selling their home

Repayment of FFD – Refinance

Form used whenever FFD homeowner is refinancing their home

Zero Income Form

Form to document homebuyers 18 and older without income

Counseling Certification

Form to document homebuyer completed housing counseling

Once a member has enrolled in FFD, they can use the flyer and materials below to help market the program to potential homebuyers.

Marketing Resources:

Directions for the Marketing Items

Instructions on how to customize the FFD flyers below

Consumer Flyer

Generic PDF version of the homebuyer flyer (no member customization)

Consumer Flyer to Modify

PDF version of the homebuyer flyer that can be customized with member logo/information

Consumer Poster


Consumer Quick Tips Card


Consumer Flyer InDesign Files

InDesign version of the homebuyer flyer that can be customized with member logo/information using InDesign software



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