It is true that I am not the only bank that will allow Down Payment Assistance through a municipality or HUD approved agency. There are some banks that do not allow Down Payment Assistance on FHA loans. My niche is that I'll allow down payment assistance and I'll do it for a borrower with a 600 score or that is 12+ months out of a Chapter 7 Bankruptcy, or that has a 55dti (approve/eligible in an AUS), or on a file that has to be manually underwritten.