Data & Verification
Published Last updated
Where our down payment assistance program data comes from, how often it is reviewed, and how to report an error.
Quick answer: Where does the data on this site come from?
Program terms come from the administering agency's own published documents. Market and demographic figures come from HUD, the Census Bureau, the FHFA, the CFPB's HMDA data and the Federal Reserve's FRED series. Each figure carries its source organisation and the date it was last verified.
TL;DR
- Program terms: administering agencies only.
- Market data: HUD, Census, FHFA, CFPB HMDA, FRED.
- Every figure is dated and sourced.
Quick questions
- What if a source can't be reached?
- We say so. We never mark a source as verified when the check failed.
Which figures refresh automatically
Three feeds run on a schedule. National mortgage-rate and median-price indicators refresh weekly from the Federal Reserve Bank of St. Louis (FRED). HUD area median income figures for our licensed Florida and Colorado counties refresh monthly from the HUD USER Income Limits API. FHA county loan limits are checked monthly against HUD's own CHUMS forward-limits file: any difference is flagged for a person to review, and the published figure never changes on its own. If a feed fails, the last verified value stays in place rather than being blanked or zeroed.
Where the data comes from
Every program record is built from the administering agency's own published materials: state housing finance agency program guides, city and county housing department pages, Federal Home Loan Bank set-aside documentation and lender program bulletins. The source link appears on each program page.
How often it is reviewed
Programs are reviewed on a rolling schedule and after any agency announcement we become aware of. Each program page shows when it was last verified. Where we have not verified a record recently, the page says so rather than implying currency we cannot support.
What we never claim
We do not claim a program has funds available, we do not claim you are eligible, and we do not publish award amounts that an agency has not published. Eligibility is determined by the agency and by full mortgage underwriting.
Report an error
If a program's terms have changed or a listing looks wrong, use the report link on the program card. Flags go to staff for review.
See your own numbers
Free tools using current stored limits and your inputs. Estimates are educational, not loan offers.
- County loan limit finderLook up the current FHA and conforming limit for your county.Open tool
- Eligibility checkAnswer a few questions to see which program types may fit.Open tool
- Affordability calculatorEstimate a comfortable price range from your income and debts.Open tool
Want a personalized quote?
Buying in Florida or Colorado? Request a scenario review from a licensed mortgage broker.
October 2026 Data Source Review Review
We reviewed each registered source URL and publication date, verification status of every tracked value and refresh cadence and overdue re-check flags relevant to this page. No material changes requiring substantive revisions were identified this month. The information and sources shown here remain current as of our latest review.
- Checked: each registered source URL and publication date
- Checked: verification status of every tracked value
- Checked: refresh cadence and overdue re-check flags
- Sources:
- Federal Reserve Bank of St. Louis (FRED), Federal Housing Finance Agency (via FRED), Florida Housing Finance Corporation; Colorado Housing and Finance Authority
- Data last verified:
- 2026-08-28
This page's scheduled monthly review is overdue. The section above reflects our latest completed review, not a new one for the current month.
Current data & page updates
- Page last reviewed
- September 27, 2026
- Page last substantively updated
- September 27, 2026
- Data last verified
- August 28, 2026
- Primary sources
- Federal Reserve Bank of St. Louis, Federal Housing Finance Agency, Florida Housing Finance Corporation; Colorado Housing and Finance Authority
- Next scheduled review
- October 27, 2026
- Current monthly review
- October 2026
- Live data feed
- Yes
This page is past its scheduled review date and is queued for the next review cycle.
Licensing & Disclosures
Simply Approved Mortgages LLC | NMLS #2620881
Florida Branch Office (Miami, FL) | Branch NMLS #2688012
Florida Mortgage Broker License #MBR7685 | Colorado Mortgage Company Registration
Business Phone: (877) 813-7219
Equal Housing Opportunity
Broker identification. Simply Approved Mortgages LLC is a mortgage broker and is not a direct lender. We arrange residential mortgage loans with third-party lenders and do not make the lender's final credit decision or fund the loan. We arrange residential mortgage loans in Florida and Colorado.
Down payment assistance programs. Down payment and closing-cost assistance programs listed or referenced on this site may be administered by third parties, including state housing finance agencies, cities, counties, Federal Home Loan Banks, nonprofit organizations, lenders, and other program sponsors. Simply Approved Mortgages LLC does not administer, control, fund, or guarantee third-party assistance unless expressly stated otherwise.
Listing or displaying a program does not constitute an offer of that program, a representation that funding is currently available, or a determination that a borrower or property qualifies. Program availability, funding, assistance amounts, income limits, purchase-price limits, credit requirements, occupancy requirements, geographic restrictions, homebuyer education requirements, participating-lender requirements, repayment terms, and other eligibility criteria vary by program and may change or become unavailable without notice. Eligibility and current program terms must be confirmed for the particular transaction.
Types of assistance. Down payment or closing-cost assistance may be structured as a grant, forgivable loan, deferred-payment loan, repayable second mortgage or other form of assistance. Assistance structured as a lien or secondary financing may be subject to repayment, forgiveness, occupancy, resale, refinance, or other conditions. Assistance should not be considered "free money" unless the applicable program documents expressly provide that the assistance is a grant with no repayment obligation.
Receiving or potentially qualifying for down payment assistance does not guarantee mortgage approval, guarantee receipt of assistance, or necessarily eliminate all funds that a borrower may be required to contribute to a transaction.
Credit and program terms. All loans are subject to lender credit approval, underwriting, acceptable appraisal, title review, insurance, and supporting documentation. Eligibility, programs, rates, APRs, points, fees, payments, terms, loan amounts, down-payment requirements, and availability may vary based on borrower, property, occupancy, credit profile, loan-to-value ratio, debt-to-income ratio, lender, assistance program, and location and may change without notice. Not all borrowers, properties, products, or programs will qualify or be available in every location. Nothing on this site constitutes a loan approval, rate lock, offer, commitment to lend, guarantee of assistance, or guarantee of closing.
Rates, payments and calculators. Rates, APRs, payments, down payments, estimated assistance amounts, affordability, home prices, closing costs, savings, and other calculator or scenario results displayed on this site are estimates or illustrations unless expressly stated otherwise. Actual eligibility, assistance, and loan terms may differ. Taxes, homeowners insurance, mortgage insurance, association dues, lender charges, broker compensation, discount points, third-party charges, and other costs may apply. Advertised rates, payments, APRs, down payments, and other credit terms are subject to the assumptions and disclosures presented with the applicable advertisement.
Government affiliation. Simply Approved Mortgages LLC is not a government agency and is not affiliated with, acting on behalf of, sponsored by, or endorsed by HUD, FHA, VA, USDA, any housing finance agency, or any other federal, state, or local government agency. References to government agencies, housing authorities, assistance programs, data, forms, or resources are provided for informational purposes and do not imply sponsorship or endorsement of Simply Approved Mortgages LLC.
Fair lending. Equal Housing Opportunity. Simply Approved Mortgages LLC conducts business in accordance with applicable federal and state fair-housing and equal-credit-opportunity laws and does not discriminate on any prohibited basis.
No professional advice. Content on this site is educational and general in nature and is not legal, tax, accounting, financial, or investment advice. Borrowers should review the applicable program documents and consult qualified professionals regarding their individual circumstances.