Verified against Matrix v4.19
It is not renting. It is not a mortgage. It is a fourth thing.
A government agency buys the home you picked, using an FHA loan. You move in, you pay monthly, the price is locked, and the appreciation is yours. Here is exactly how it works, including the parts that could go badly.
Credit score standard. Below that is an exception, not a promise.
Matrix 3.5Minimum down payment you have to document.
Matrix 3.7Amortization on the homeownership agreement.
Arrive HomeProgram management fee, on the purchase price.
Matrix 3.15.3Start where you stand
I want to buy a home
What it is, what you pay, what you risk, and whether you qualify.
I am a loan officer
Hard requirements, exceptions, fee caps, and how to present it without overpromising.
I am a real estate agent
What kills the deal on the property, and how to write the offer.
I am a lender
Correspondent approval, the fee structure, and where the risk sits.
Why this site exists
Most of what is written about this program is either a sales pitch or a guess. We read the source: the Arrive Home EEP Product Guidelines v4.25 and the EEP Product Matrix v4.19. Every number on this site carries a citation back to a section of those documents, so you can check us.
We also publish the parts that cost you money and the parts where you can lose. If you can qualify for a normal FHA or conventional mortgage, get the mortgage. It is cheaper and simpler. We will tell you that to your face.
Two tools, no email required
Your monthly payment
$3,856
- Principal and interest, 40-year schedule
- $3,019.39
- Mortgage insurance
- $199.03
- Property taxes
- $412.50
Get connected
Every application goes through a licensed loan originator.