Any first-time homebuyers get down payment or closing cost assistance on a 3-4 unit

[Oliver Martinez]

Hey everyone,

I’m a 24-year-old first-time homebuyer and I’m under contract (or close to it) for a 3-unit multifamily in Philly. I'm planning to live in one of the units and rent the other two — classic house hack strategy. I'm going FHA, and my credit score is over 725 with a $90k salary. I have about $45k in liquid savings.

Here’s my issue: I’ve found that many first-time homebuyer programs and grants are for 1–2 unit properties only, even if you're an owner-occupant. A few allow 3–4 units but still have restrictions or aren't compatible with FHA.

Has anyone here gotten down payment or closing cost assistance on a 3 or 4 unit property using FHA while living in one unit? Specifically in Philadelphia (or PA in general), but even if you’re in another state and pulled it off — I’d love to hear how you did it.

Would also appreciate recommendations on lenders or programs that worked for you, or even strategies (like seller assist stacking, rate buydowns, etc). This deal has potential, but I want to make sure I’m not leaving money on the table.

Thanks in advance