“So far, the only example I have found for such financing is offered as an ITMO or Indian Tribe Mortgage”

FHLBs have been offering silent seconf mortgages for closing cost and down payment assiatnace since 1990. The FHLB subordinate lien is forgiven in equal amount monthly over a five year period. Most if not all 12 of the banks have funded hundreds of these each year either as part of their competitive AHP program since 1990 or AHP set aside authority since 1997. The FHFA will now even allow the FHLBs to use the set-asdie funds to be used in conjunction with refinancings done through Hope4Hopmeowners if any are actually done.

There are many similar down payment assitance programs funded by state andlocal governments, some with HUD HOME funds. I’m not sur eif these are with FHA loans but I would assume they are.