Where the reviewed rules apply

No buyer address is selected. These maps do not establish financial eligibility, funding availability, or property approval.

No current, human-approved coverage policy is available. Imported location labels and provider offices are not proof of coverage.

Not verified yetFunding open at last check

Chenoa Fund Down Payment Assistance

CBC Mortgage Agency

Generally 3.5% or 5% under current FHA options

Second-mortgage down-payment assistance for qualifying borrowers through approved lenders, with repayable and forgivable FHA options generally offering 3.5% or 5%.

Repayable loan

Coverage not confirmed

Purchase, residence and work requirements may differ. Review the coverage explanation and confirm your property address with the provider.

How and when you repayThe repayable option has monthly payments; the forgivable option is a 0% second with no monthly payment but must be repaid on transfer or refinance if it has not already been forgiven.

These terms describe the assistance. Any mortgage used to buy the home has its own repayment terms. Check the provider's documents before accepting an offer.

See possible fitCompare

Visit official program site ↗

Applications never run through HomeBase.

Who can apply

About you

Minimum accepted credit score is 600 under the current homebuyer guidance.
CBC Mortgage Agency does not impose an income limit or require first-time-buyer status.
The program is available nationally except New York.
Homeownership counseling may be required for qualifying borrowers below a specified credit score.

The home

The purchased property must be the borrower’s primary residence under the applicable program rules.

The program makes the final eligibility decision.

Full requirements, documents, and history

Income tables, education requirements, contacts, complete rules, stacking guidance, sources, and change history

Conditions

A buyer must work through a lender approved to offer Chenoa Fund. The assistance is a second mortgage paired with an eligible CBC Mortgage Agency first mortgage; exact pricing and repayment depend on the selected option.

Documents needed

Documents required by the approved lender and applicable FHA underwriting rules
Homeownership counseling completion when required

Reader request

Want us to check this program?

Ask HomeBase to re-check Chenoa Fund Down Payment Assistance’s current funding, operation, and key terms. Requests help us prioritize the queue; only evidence changes the listing.

What can I combine this with?

Some programs can be combined, while others are alternatives or apply to different locations. These are questions to investigate, not a combined award. Never add benefit ceilings together without checking both programs’ rules.

Review possible combinations with Chenoa Fund Down Payment Assistance(12 to check)

Worth asking about(12)

No resolved current rule for this pair. Ask both administrators about eligibility, location, limits and required application order.

Aetna — NINA Homeownership Incentive ProgramAetna, administered by Northside Institutions Neighborhood Alliance (NINA)
$10,000 employer-funded conditional grant toward an eligible owner-occupied Hartford purchase, with employer-specific occupancy, employment, geography, tax, and forgiveness rules.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask
```
Hello — I'm a homebuyer looking at Aetna — NINA Homeownership Incentive Program.

Can it be used on the same purchase as Chenoa Fund Down Payment Assistance (CBC Mortgage Agency)?

Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.

If it can:
  1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
  2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
  3. Does using both change the repayment or forgiveness terms of yours?
  4. Which current written rules and conditions support this answer?

Thank you.
```
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
AFC Mortgage Cash OfferAFC Mortgage Group
AFC finances up to the full new purchase secured by the current and new homes, allowing a non-contingent offer.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask
```
Hello — I'm a homebuyer looking at AFC Mortgage Cash Offer.

Can it be used on the same purchase as Chenoa Fund Down Payment Assistance (CBC Mortgage Agency)?

Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.

If it can:
  1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
  2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
  3. Does using both change the repayment or forgiveness terms of yours?
  4. Which current written rules and conditions support this answer?

Thank you.
```
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
Affinity First-Time Homebuyer $500 Savings BonusAffinity Federal Credit Union
A qualifying first-time buyer who closes an Affinity mortgage and completes the account and autopay requirements receives $500 in an Affinity savings account.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask
```
Hello — I'm a homebuyer looking at Affinity First-Time Homebuyer $500 Savings Bonus.

Can it be used on the same purchase as Chenoa Fund Down Payment Assistance (CBC Mortgage Agency)?

Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.

If it can:
  1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
  2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
  3. Does using both change the repayment or forgiveness terms of yours?
  4. Which current written rules and conditions support this answer?

Thank you.
```
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
Affinity HomeAdvantage Cash RewardsAffinity Federal Credit Union; provided by CU Realty Services/HomeAdvantage
Affinity members who buy or sell through an assigned HomeAdvantage network agent may receive a commission-funded cash reward.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask
```
Hello — I'm a homebuyer looking at Affinity HomeAdvantage Cash Rewards.

Can it be used on the same purchase as Chenoa Fund Down Payment Assistance (CBC Mortgage Agency)?

Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.

If it can:
  1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
  2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
  3. Does using both change the repayment or forgiveness terms of yours?
  4. Which current written rules and conditions support this answer?

Thank you.
```
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
AgFed ARM Closing Cost SpecialAgriculture Federal Credit Union (AgFed)
AgFed pays $1,500 to $3,500 toward closing costs on eligible adjustable-rate purchase mortgages while the temporary offer remains available.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask
```
Hello — I'm a homebuyer looking at AgFed ARM Closing Cost Special.

Can it be used on the same purchase as Chenoa Fund Down Payment Assistance (CBC Mortgage Agency)?

Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.

If it can:
  1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
  2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
  3. Does using both change the repayment or forgiveness terms of yours?
  4. Which current written rules and conditions support this answer?

Thank you.
```
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
Albemarle County Homebuyer Assistance Program (ACHAP)Albemarle County Office of Housing / Piedmont Housing Alliance
A zero-interest, deferred-payment down-payment loan for eligible first-time buyers purchasing in Albemarle County.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask
```
Hello — I'm a homebuyer looking at Albemarle County Homebuyer Assistance Program (ACHAP).

Can it be used on the same purchase as Chenoa Fund Down Payment Assistance (CBC Mortgage Agency)?

Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.

If it can:
  1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
  2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
  3. Does using both change the repayment or forgiveness terms of yours?
  4. Which current written rules and conditions support this answer?

Thank you.
```
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
Alexandria Employee Homeownership Incentive ProgramCity of Alexandria Office of Housing
$15,000 up to 80% AMI; $11,500 at 80%-120% AMI; $7,500 above 120% AMI, subject to current limits.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask
```
Hello — I'm a homebuyer looking at Alexandria Employee Homeownership Incentive Program.

Can it be used on the same purchase as Chenoa Fund Down Payment Assistance (CBC Mortgage Agency)?

Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.

If it can:
  1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
  2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
  3. Does using both change the repayment or forgiveness terms of yours?
  4. Which current written rules and conditions support this answer?

Thank you.
```
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
Allegany County Habitat for Humanity HomeownershipAllegany County Habitat for Humanity
Allegany County households with inadequate housing and the ability to make mortgage payments may apply to purchase a Habitat home and complete 200 sweat-equity hours. The affiliate currently provides a downloadable application and mail-in intake route.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask
```
Hello — I'm a homebuyer looking at Allegany County Habitat for Humanity Homeownership.

Can it be used on the same purchase as Chenoa Fund Down Payment Assistance (CBC Mortgage Agency)?

Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.

If it can:
  1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
  2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
  3. Does using both change the repayment or forgiveness terms of yours?
  4. Which current written rules and conditions support this answer?

Thank you.
```
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
Alliant Advantage MortgageAlliant Credit Union
Qualified first-time buyers may receive an Alliant Advantage adjustable-rate mortgage with no down payment and no PMI on loans up to $650,000.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask
```
Hello — I'm a homebuyer looking at Alliant Advantage Mortgage.

Can it be used on the same purchase as Chenoa Fund Down Payment Assistance (CBC Mortgage Agency)?

Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.

If it can:
  1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
  2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
  3. Does using both change the repayment or forgiveness terms of yours?
  4. Which current written rules and conditions support this answer?

Thank you.
```
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
American Eagle First-Time Buyer $1,000 Closing-Cost CreditAmerican Eagle Financial Credit Union
$1,000 toward closing costs with American Eagle's fixed-rate first-time-buyer mortgage, which advertises down payments as low as 3% and a rate lock up to 60 days.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask
```
Hello — I'm a homebuyer looking at American Eagle First-Time Buyer $1,000 Closing-Cost Credit.

Can it be used on the same purchase as Chenoa Fund Down Payment Assistance (CBC Mortgage Agency)?

Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.

If it can:
  1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
  2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
  3. Does using both change the repayment or forgiveness terms of yours?
  4. Which current written rules and conditions support this answer?

Thank you.
```
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
Andrews Federal FHLB First-Time Homebuyer GrantAndrews Federal Credit Union through the Federal Home Loan Bank
Limited grant assistance for down payment and closing costs for a qualifying first-time buyer.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask
```
Hello — I'm a homebuyer looking at Andrews Federal FHLB First-Time Homebuyer Grant.

Can it be used on the same purchase as Chenoa Fund Down Payment Assistance (CBC Mortgage Agency)?

Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.

If it can:
  1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
  2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
  3. Does using both change the repayment or forgiveness terms of yours?
  4. Which current written rules and conditions support this answer?

Thank you.
```
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
Annapolis MPDU Homeownership ProgramCity of Annapolis Office of Community Development
Qualified Annapolis residents and workers may obtain a certificate to compete for City-designated homes sold below the market price in participating developments.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask
```
Hello — I'm a homebuyer looking at Annapolis MPDU Homeownership Program.

Can it be used on the same purchase as Chenoa Fund Down Payment Assistance (CBC Mortgage Agency)?

Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.

If it can:
  1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
  2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
  3. Does using both change the repayment or forgiveness terms of yours?
  4. Which current written rules and conditions support this answer?

Thank you.
```
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.

A cited pair rule does not establish that either program serves your property or that you qualify. Confirm current conditions with both administrators and your lender before counting on a combination.

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