Revised HBA Notice to Borrower - Update #20-18

Current rates

Program Name	Conventional Loan Rate	Government Loan Rate
Military Home	N/A	5.625%*
First Home Targeted	6.125%*	5.625%*
First Home	6.375%*	5.875%*
Homebuyer Assistance (HBA)	6.625%* - 1st loan 1.000%* - 2nd loan	6.125%* - 1st loan 1.000%* - 2nd loan
Welcome Home+	7.000%*	6.500%*
Welcome Home Assistance (WHA)+	7.250%* - 1st loan 1.000%* - 2nd loan	6.750%* - 1st loan 1.000%* - 2nd loan
Build Home++	Varies^*	Varies^*
Refinance Home	7.750%*	7.250%*

Rates Page

Last changed 05/27/2026 at 9:00 a.m
*This is not an advertisement for credit as defined in Reg.Z; contact a participating NIFA lender for Annual Percentage Rate (APR) information. Rates are subject to change without prior notice.

+An origination fee up to 0.50% of the loan amount may be charged by Lender.

++ Interest rate based on program eligibility. See program details.

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May 07, 2020

Revised HBA Notice to Borrower - Update #20-18

Program Update #20-18 dated 5/8/20

On May 6, 2020, NIFA announced a change to the maximum second mortgage loan amount for Homebuyer Assistance ("HBA") Program loans. The maximum second mortgage loan amount calculation will include an upper ceiling of $10,000.

NIFA has revised the Notice to Borrower ("Form F") that is signed by all borrowers and non-purchasing spouses at the time of loan application. Participating Lenders are required to use the revised Form F dated 05/2020 on HBA loans that are reserved in Lender Online on and after Monday, May 11, 2020.

Attached to the Program Update is a revised HBA Program Summary for your reference. All other program information including marketing materials will be updated next week.

Please contact our office with any questions. Thank you!

Revised HBA Notice to Borrower - Update #20-18

Current rates

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Revised HBA Notice to Borrower - Update #20-18

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