Explore First Time Homeowner Grants Nationwide

AHFC’s Down Payment Assistance resource page connects Alaska homebuyers with nonprofit partners that provide down payment and closing cost assistance for purchases financed with AHFC’s AHELP loan options. The page serves as a statewide hub, listing organizations like Cook Inlet Lending Center, Alaska Community Development Corporation, Interior Regional Housing Authority, and Tlingit-Haida Regional Housing Authority, each serving specific regions.

Eligible for: Homebuyers using AHFC’s AHELP loan option who qualify under the guidelines of participating nonprofit organizations providing down payment a…

Cook Inlet Lending Center’s NAHI and Home$tart grants are large, forgivable-style down payment assistance grants that can provide eligible Alaska homebuyers with $15,000–$25,000 to cover down payment, closing costs and prepaid expenses, significantly reducing the cash needed to become a homeowner.

Eligible for: For NAHI: Alaska Native, American Indian or Native Hawaiian homebuyers below ~80% of NAHASDA AMI who will owner-occupy a 1–4 unit property, …

Wilmington’s First Start Homebuyer Program provides up to $15,000 in down payment and closing-cost assistance to low- and moderate-income first-time buyers purchasing owner-occupied homes inside city limits.

Eligible for: First-time homebuyers, displaced homemakers and single parents purchasing a single-family home within the City of Wilmington who have not ow…

This WCDA First Time Homebuyer FAQ document answers common questions about Wyoming down payment assistance, explaining Home$tretch and Amortizing DPA loan terms, credit score requirements, and mandatory homebuyer education for borrowers using WCDA programs.

Eligible for: Potential and current first-time homebuyers in Wyoming who want to use WCDA funds and DPA, including borrowers with at least a 620 credit sc…

DC Open Doors combines competitively priced first mortgages with a 0% deferred Down Payment Assistance Loan that can cover a buyer’s entire minimum down payment, making District homeownership more accessible for both first-time and repeat buyers.

Eligible for: Open to qualified first-time and repeat homebuyers purchasing in Washington, DC; borrowers must use a participating lender, meet DCHFA credi…

Alaska Housing Finance Corporation’s First-Time Homebuyer Loans program offers two primary mortgage options—First Home and First Home Limited—designed to give first-time buyers reduced interest rates and more affordable homeownership across Alaska. Borrowers work with approved lenders and can pair these loans with other AHFC options like energy-efficiency interest rate reductions and veterans’ preferences.

Eligible for: First-time homebuyers who have not owned a primary residence in the last three years (with targeted-area and qualified-veteran exceptions), …

The Providence Down Payment Assistance Program offers income-eligible first-time buyers in Providence a forgivable, zero-interest loan of up to $20,000 to cover down payment and closing costs, making urban homeownership far more attainable.

Eligible for: First-time homebuyers purchasing a 1–3 unit home or condo in the City of Providence whose household income is at or below 80% of Area Median…

The DSHA Loan Products page details the specific Smart Start, First State Home Loan and Diamond in the Rough offerings, showing how Delaware first-time and repeat buyers can pair a DSHA mortgage with 3%–5% down payment and closing-cost assistance.

Eligible for: Low- and moderate-income Delaware homebuyers who qualify for DSHA Welcome Home or Home Again FHA, VA, USDA or conventional 30-year fixed-rat…

South Dakota’s Fixed Rate Plus down payment assistance provides 3% or 5% of the first mortgage amount as a 0% interest, due-on-sale second mortgage to cover down payment and closing costs, helping first-time and repeat buyers bridge the upfront cost gap.

Eligible for: Eligible borrowers who qualify for SD Housing’s Fixed Rate Plus first mortgage and meet standard underwriting, property, and income guidelin…

NDHFA’s FirstHome Program offers low-interest, fixed-rate mortgages specifically for first-time buyers and allows them to add DCA or Start assistance, which provides a 3% credit toward down payment, closing costs, and prepaid items.

Eligible for: First-time homebuyers who have not owned a home as their principal residence in the past three years (including manufactured homes on perman…

HPAP is DC’s flagship down payment and closing cost assistance program, offering up to $202,000 in gap financing plus $4,000 in closing cost help so first-time homebuyers can afford a primary residence in the District of Columbia with far less cash upfront.

Eligible for: Head-of-household first-time homebuyers (no ownership interest in any residence in past 3 years) who are very-low to moderate-income by DHCD…

AHFC’s Home Opportunity Program (HOP) channels HUD HOME funds through nonprofit intermediaries to provide down payment, closing cost and mortgage buydown assistance for low-income Alaskans buying their primary residence. The program targets households under 80% of area median income and is designed to bridge the affordability gap in Alaska’s higher-cost markets.

Eligible for: Low-income homebuyers (generally ≤80% of area median income) who do not already own a home, will occupy the property as their primary reside…