FHA homebuyers using downpayment assistance from charitable organizations who have already entered into a purchase contract with sellers will not be affected by an adverse Internal Revenue Service ruling, even if they have not gone to closing, according to the Department of Housing and Urban Development. In a May 25 mortgagee letter, HUD further clarified that future FHA homebuyers who plan to apply for downpayment assistance from nonprofit “gift” providers will still be able…