I am trying to get a mortgage through a program that loans us the money for closing costs and down payment. He informed us that we needed a "non responsible co signer".
What is that?

First if you don't have the money for closing or down payment you don't need to be buying a home, and you need to work to get good credit also before buying a home.

All co-signers are responsible for repayment of the debt if you don't that is what a co signer does, as for what they are not responsbile for is to ask the lender.

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Originally Posted by antiem59

I am trying to get a mortgage through a program that loans us the money for closing costs and down payment. He informed us that we needed a "non responsible co signer".
What is that?

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The cosigner is additional security, an additional payor, in case you default. He is saying that you (us) are not qualified at this point.