Complete newbie here, so please forgive me if I sound a little nieve. I recently started the process for an FHA loan with wells fargo. My question at this point is being that Im eligible for californias downpayment assistance program my morgatge consultant said I need to come up with 3.5% of my own funds before sending me to the morgagte class to complete requirements for the assistance program????? I thought the assistance program was suppose to be for the downpayment to begin with. What do I need the program for if I already have the 3.5% down payment?? So in the end the purpose to have a total of 7% downpayment???