We're not aware of down payment assistance built specifically for the 203k program, and the 203k's own math is usually the real question here. Assistance programs and the 203k renovation loan generally run on separate tracks, so don't count on a 203k-specific DPA existing. Confirm current availability in your area, since programs change and funding comes and goes. The 203k math works like this. The loan uses an FHA appraisal that establishes both the current as-is value and the after-improved value, what the home will be worth once the planned work is done. The after-improved value governs how much rehab cost can be financed; on a Standard 203k, the maximum loan is capped at 100 percent of the after-improved value. The transaction closes once, paying off any existing loan on the property and funding the repair escrow and the financeable closing costs. On the down payment specifically: FHA's 3.5 percent minimum investment on a 203k is computed on the total cost of acquisition plus rehabilitation, meaning the purchase price plus repair costs, contingency reserve, and eligible fees (precisely, 3.5 percent of the lesser of that total cost basis or 110 percent of the after-improved value). So if the seller raises the price to cover their closing costs, the base your 3.5 percent is calculated on rises with it. For an inherited property you're buying at the payoff amount, the numbers can work well, especially when the after-improved value comes in strong, but they need to be run carefully. That structuring, including the two-value appraisal math, is exactly what we walk through in the free Roadmap conversation.