MPF Xtra® 3D

MPF Xtra 3D is a feature under the MPF Xtra product which provides down payment and closing cost assistance for creditworthy borrowers whose household income is at or below 80% of the HUD Area Median Income (AMI) household limits for purchase transactions. 


  • Provide 3% Down Payment Assistance (DPA) based on the unpaid principal balance at time of loan purchase
  • Reduce a borrower's mortgage payment through the elimination of mortgage insurance (MI)
  • Reduce closing costs by eliminating Loan Level Price Adjustments (LLPAs)
  • MPF Xtra can be combined with FHLB Des Moines, state and local down payment assistance programs. Contact the Mortgage Products Group for additional details
  • DCs may be Mandatory or Best Efforts
  • Servicing retained only

Getting Started with MPF Xtra 3D

  • All information related to the MPF Xtra 3D product is located under the Resources tab on the eMPF® Website
  • An MPF Xtra 3D Master Commitment (MC) is required to obtain a Delivery Commitment (DC).

    • Pricing for MPF Xtra 3D is available on the eMPF® Website
      • The rates and pricing are found under the MPF Xtra product with the Actual/Actual remittance type selected
      • Select Fixed 30 Yr 3d (15 and 20-year terms are also available)

Learn More About the MPF Xtra 3D Program

Interested in adding this feature to your MPF Xtra program? Complete this form below and we will follow-up with information and next steps to get started.