Who does FHA Consider "Allowable" as a Non-Occupant Co-Signor/Co-Borrower?

If you want to add a non-occupying co-borrower to your application and still pay only 3.5% down, the co-borrower must be considered a ‘family member’ by the FHA.

The FHA considers the following relations to be family members:

• Child, parent, or grandparent
• Step-parent or step-grandparent
• Foster parent or foster grandparent
• Spouse
• Domestic partner
• Adopted child
• Foster child
• Brother, step-brother
• Sister, step-sister
• Aunt or uncle
• Son-in-law, daughter-in-law, father-in-law, mother-in-law, brother-in-law, or sister-in-law