The The Housing Fund is a mortgage from The Housing Fund. The ongoing APR is The Housing Fund is currently offering a promotional interest rate on its Down Payment Assistance loan product, currently a 5% Fixed Rate for all income tiers until further notice.. Approval typically requires a credit score of For loan requests under $10,000, the minimum credit score is 600. For loan requests between $10,000 and $35,000, the minimum credit score guideline is 620. or higher. Typical credit limit: Affordable loans of up to $35,000 for down payment, prepaids, and closing costs.