First Time Homeowner Grants
Explore First Time Homeowner Grants Nationwide
Discover active first time homeowner funding across federal, state, local, and private funders. Updated daily with new programs and opportunities.
296 active programs listed • Updated daily • All 50 states + DC
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Jump straight to state-specific first time homeowner programs.
Latest opportunities (296)
DevNWORFirst-Time HomeownerZero percent interest deferred second mortgage loan funded with CDBG and HUD allocations, generally repaid when the home is sold or the first mortgage is refinanced and limited to about half of the required minimum down payment up to 25000 dollars.
Updated: Dec 6, 2025
DevNW’s Springfield Downpayment Assistance Program offers up to $25,000 in no-interest down payment and closing-cost assistance to first-time homebuyers, making it one of the most visible Springfield-specific DPA options for lower-income households.
Eligible for: First-time homebuyers (no homeownership in past 3 years) purchasing an eligible single-family or manufactured home on owned land within Spri…
NeighborImpactORFirst-Time HomeownerFully amortizing low interest second mortgage loan covering up to 20 percent of the purchase price with a term of up to 30 years and an interest rate capped at no more than 2 percentage points above the first mortgage rate.
Updated: Dec 6, 2025
NeighborImpact’s First Time Homebuyer DPA is a Central Oregon program that adds a low-interest second mortgage up to 20% of the purchase price on top of a primary loan, helping first-time buyers bridge their down payment and closing-cost gap without resorting to high-cost financing.
Eligible for: Low- to moderate-income first-time homebuyers (no ownership in past 3 years) whose income is at or below area median income (AMI), who will …
Portland Housing CenterORFirst-Time HomeownerCombination of low interest second mortgages such as MAP 80 loans plus grants and matched savings accounts that provide down payment and closing cost assistance for registered first time homebuyers.
Updated: Dec 6, 2025
Nonprofit Portland Housing Center (PHC) packages low-rate second mortgages, grants, and matched savings into customized down payment assistance solutions for registered first-time homebuyers across the Portland metro area.
Eligible for: First-time homebuyers who become registered Portland Housing Center clients, typically with household incomes up to about 80% AMI for MAP 80…
Portland Housing BureauORFirst-Time HomeownerZero percent interest deferred payment second mortgage funded by the Portland Housing Bureau that can provide up to roughly 80000 to 100000 dollars in down payment and closing cost assistance with forgiveness potential after about 15 years of compliant owner occupancy.
Updated: Dec 6, 2025
The Portland Down Payment Assistance Loan (DPAL) is a heavily subsidized second-mortgage program administered by the Portland Housing Bureau that gives first-time buyers up to six figures in 0% interest down payment and closing-cost assistance when they purchase a home in the city.
Eligible for: First-time homebuyers purchasing a primary residence within Portland city limits who work with a Homebuying Counselor at a listed community …
Oregon Housing and Community Services – ReOregonORFirst-Time HomeownerForgivable 30 year deferred payment second mortgage funded with disaster recovery resources where one thirtieth of the loan is forgiven each year of compliant owner occupancy until fully forgiven after 30 years.
Updated: Dec 6, 2025
Disaster-recovery Down Payment Assistance (DPA) program that helps wildfire survivors become first-time homebuyers again by providing large forgivable loans for down payment and closing costs in Oregon’s 2020 disaster-impacted counties.
Eligible for: Households in Clackamas, Douglas, Jackson, Klamath, Lane, Lincoln, Linn, or Marion counties whose homes were damaged or destroyed by the 202…
South Carolina State Housing Finance and Development AuthoritySCFirst-Time HomeownerCombination of 30 year fixed rate first mortgages paired with forgivable zero percent interest second mortgage down payment assistance loans, typically around 10000 dollars or a percentage of the loan amount depending on the specific program.
Updated: Dec 6, 2025
Statewide umbrella page that organizes SC Housing’s primary homebuyer offerings, including the Homebuyer Program, Palmetto Home Advantage, County First Initiative, Housing Choice Voucher Homeownership, and Mortgage Credit Certificates—all designed to pair affordable 30-year fixed mortgages with down payment assistance and tax benefits for South Carolina buyers.
Eligible for: Low- to moderate-income homebuyers in South Carolina, including many first-time buyers and some repeat buyers, who meet SC Housing income, p…
South Carolina State Housing Finance and Development AuthoritySCFirst-Time HomeownerBond funded 30 year fixed rate first mortgage paired with a zero percent interest no payment second mortgage down payment assistance loan of about 10000 dollars that is forgiven over a 15 year term when occupancy requirements are met.
Updated: Dec 6, 2025
Flagship SC Housing bond program offering affordable fixed-rate mortgages plus forgivable down payment assistance to first-time buyers statewide.
Eligible for: First-time homebuyers (and certain eligible buyers in targeted counties or veteran exceptions) who meet SC Housing’s income and purchase pri…
City of Greenville – Community DevelopmentSCFirst-Time HomeownerReferral hub connecting buyers to SC Housing mortgages and local down payment assistance grants and low interest loans offered by partners such as CommunityWorks and Greenville County Human Relations, which may provide up to 20000 dollars in forgivable assistance or 10000 dollar low interest loans for down payment and closing costs.
Updated: Dec 6, 2025
City of Greenville’s central resource page that routes residents to multiple down payment assistance options, homebuyer education, and counseling services designed to make purchasing a home in Greenville more affordable.
Eligible for: Prospective homebuyers in Greenville, SC—primarily low- to moderate-income first-time buyers—who are seeking down payment help, homebuyer ed…
City of Florence – Community Services DepartmentSCFirst-Time HomeownerCombination of CDBG supported down payment and closing cost assistance up to 30000 dollars paired with affordable first mortgage financing for eligible buyers who complete the city homebuyer education requirements.
Updated: Dec 6, 2025
City of Florence’s First-Time Homebuyers Program offers structured education plus generous down payment and closing cost assistance—up to $30,000—to help income-eligible residents become successful long-term homeowners in Florence’s targeted neighborhoods.
Eligible for: Low- to moderate-income first-time homebuyers purchasing an eligible home within Florence city limits who attend required homebuyer educatio…
City of Milwaukee – Department of City DevelopmentWIFirst-Time HomeownerCity funded forgivable grant recorded as a second mortgage lien, providing 5000 or 7000 dollars in down payment and closing cost assistance that is forgiven after a minimum owner occupancy period when program requirements are met.
Updated: Dec 6, 2025
Milwaukee’s Home Down Payment Assistance Program provides $5,000–$7,000 in forgivable grant funds to help income-eligible first-time homebuyers cover down payment and closing costs on homes within the city, with larger awards available in designated CDBG neighborhoods.
Eligible for: Current City of Milwaukee residents who have not owned a home in the past three years, meet program income limits, purchase an owner-occupie…
Wisconsin Housing and Economic Development AuthorityWIFirst-Time HomeownerThirty year fixed rate WHEDA Advantage Conventional and FHA first mortgages paired with WHEDA Easy Close Advantage down payment assistance second mortgages sized between 1000 dollars and 6 percent of the purchase price on a 10 year fixed term at the same interest rate as the first mortgage, with the Capital Access DPA program temporarily paused due to funding limits.
Updated: Dec 6, 2025
The “Available Programs” page details WHEDA’s Advantage Conventional and FHA first-mortgage options plus Easy Close Advantage down payment assistance, giving lenders and buyers a side-by-side view of how to structure affordable financing stacks.
Eligible for: Owner-occupant homebuyers using a WHEDA Advantage Conventional or FHA first mortgage on a property in Wisconsin; must meet WHEDA total house…
Wisconsin Housing and Economic Development AuthorityWIFirst-Time HomeownerAffordable WHEDA Advantage 30 year fixed rate first mortgages that can be combined with WHEDA down payment assistance loans such as Easy Close Advantage and, when funded, Capital Access to cover up to roughly 6 percent of the purchase price as a second mortgage and reduce upfront cash requirements.
Updated: Dec 6, 2025
WHEDA’s “Home Buyers” hub is the central entry point for Wisconsin first-time and repeat homebuyers to learn about WHEDA Advantage mortgages, down payment assistance, and how to connect with certified lenders.
Eligible for: Homebuyers purchasing an owner-occupied property in Wisconsin through a WHEDA-approved lender; must meet WHEDA total household compliance in…