MS Smart6
MS Smart6 is a deferred 2nd 0% 25-yr from Mississippi Home Corp. Available statewide in Mississippi. Up to $20,000 toward a home purchase. First-time buyer status is not required. Income limit: 100% AMI.
Up to $20,000
Listed as open as of May 2026
Available statewide in Mississippi.
| First-time buyer | Not required |
|---|---|
| Income limit | 100% AMI |
| Minimum credit score | 640 |
| Maximum DTI | 51% |
| Homebuyer education | Required (HFA-approved (Framework, eHome, NeighborWorks, etc.)) |
| Occupations | Statewide MS |
| Property types | SFR, condo, townhome |
| Occupancy | Owner-occupied primary |
| Eligible loan products | Conv/FHA |
| Sales price cap | $300K |
| Repayment | 0% deferred 25-yr |
| Stacking | Pairs with MS first |
Cal has not re-checked this listing recently. Confirm the current terms with the program administrator before relying on them.
Provider: Mississippi Home Corp · program details at the provider’s site.
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