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)
City of Madison – Community Development DivisionWIFirst-Time HomeownerZero percent interest deferred payment shared appreciation loan of up to 35000 dollars that covers down payment and closing costs for eligible buyers in the City of Madison, with repayment and a share of future appreciation due when the home is sold, refinanced or otherwise transferred.
Updated: Dec 6, 2025
Madison’s Home-Buy the American Dream (HBAD) program offers up to $35,000 in 0% shared-appreciation assistance to help first-time buyers cover down payment and closing costs on homes within city limits, paired with mandatory education and property quality inspections.
Eligible for: Low- to moderate-income first-time homebuyers purchasing a single-family home, condominium, or one-half duplex in the City of Madison; must …
1st Time Homebuyer Downpayment Assistance Program – City of La Crosse
Temporarily PausedCity of La Crosse – Community Development and HousingWIFirst-Time HomeownerForgivable down payment assistance grant recorded as a lien that covers 10 to 20 percent of the purchase price up to a maximum of 25000 dollars, with the grant forgiven after a required affordability and owner occupancy period under HUD guidelines.
Updated: Dec 6, 2025
La Crosse’s 1st Time Homebuyer Downpayment Assistance Program offers up to $25,000 in grant-style down payment help as a percentage of the purchase price, targeted to first-time buyers earning up to 120% of County Median Income, with stronger benefits for lower-income tiers.
Eligible for: First-time homebuyers (per HUD’s definition) purchasing a home within the City of La Crosse; must have household income at or below 120% of …
Colorado Housing and Finance AuthorityCOFirst-Time HomeownerState housing finance authority homeownership platform that offers 30 year fixed rate purchase mortgages which can be combined with CHFA down payment assistance grants or second mortgage loans, supported by education, counseling and equity focused initiatives delivered through a statewide lender network.
Updated: Dec 6, 2025
Central homeownership hub for CHFA, explaining how buyers can get a CHFA loan, add down payment assistance, find lenders, and access education and equity-focused resources.
Eligible for: Colorado homebuyers purchasing a primary residence in the state who meet CHFA income and purchase-price limits, credit and DTI guidelines, a…
City of Boulder – Housing & Human ServicesCOFirst-Time HomeownerCity administered homeownership portfolio that combines below market Permanently Affordable homes with Solution Grant down payment grants and zero percent deferred shared appreciation second mortgages such as the H2O: House to Homeownership program and a Middle Income Down Payment Assistance Pilot providing large second loans in exchange for long term deed restrictions.
Updated: Dec 6, 2025
Comprehensive city homeownership portal that includes permanently affordable purchase options plus multiple down payment assistance tools (Solution Grant, H2O, Middle-Income DPA).
Eligible for: Income-qualified homebuyers who live or work in Boulder, purchasing a primary residence in Boulder city limits; specific income caps and ass…
Down Payment Assistance – Loan Program for First-Time Homebuyers
Temporarily ClosedCity of Aurora – Community Development / Housing & Community ServicesCOFirst-Time HomeownerCity level Home Ownership Assistance Program that historically offered up to 10000 dollars in zero percent interest, no payment silent second loans funded with HOME and local dollars to cover down payment and closing costs for eligible first time buyers, with repayment due when the home is sold, refinanced or no longer owner occupied; the program is currently paused for restructuring.
Updated: Dec 6, 2025
Aurora’s HOAP down payment assistance loan program for first-time buyers, currently paused but historically offering up to $10,000 in zero-interest “silent second” assistance for down payment and closing costs.
Eligible for: First-time (and “first-time equivalent”) homebuyers purchasing a primary residence in Aurora city limits who meet low- to moderate-income gu…
Indiana Housing and Community Development AuthorityINFirst-Time HomeownerState housing finance agency program that pairs a 30 year fixed rate FHA or conventional first mortgage with a small second mortgage equal to roughly 2.5 to 3.5 percent of the purchase price to help cover down payment and closing costs, typically with no monthly payment and repayment or forgiveness tied to an affordability period or sale or refinance of the home.
Updated: Dec 6, 2025
Statewide IHCDA program that offers a fixed-rate mortgage plus a small second-mortgage down payment assistance option, designed especially for non-first-time or “next” homebuyers.
Eligible for: Primarily repeat buyers (not limited to first-time) and some first-time buyers who meet IHCDA income and acquisition price limits, use an el…
City of Indianapolis – Department of Metropolitan DevelopmentINFirst-Time HomeownerCity level referral hub that connects residents to nonprofit and community partners that provide homebuyer education, financial coaching, affordable mortgage products and locally funded down payment assistance using a mix of city, state and federal resources.
Updated: Dec 6, 2025
City information hub that directs Indianapolis residents to local nonprofit and partner-run homeownership programs, including education, counseling, and access to down payment assistance or affordable mortgage options.
Eligible for: Residents of Indianapolis/Marion County seeking to become homeowners, typically low- to moderate-income households needing counseling, finan…
Fort Wayne Housing AuthorityINFirst-Time HomeownerPublic housing authority homeownership initiative under HUD Section 32 that converts selected public housing or authority owned units into affordable for sale homes for eligible assisted families, using discounted purchase prices, rehabbed units that meet HUD standards and in some cases ongoing voucher or subsidy support to keep monthly ownership costs affordable.
Updated: Dec 6, 2025
FWHA’s Section 32 Homeownership Program converts certain public housing or authority-owned units into affordable, for-sale homes for qualified low-income families, often leveraging voucher or subsidy structures to support ownership.
Eligible for: Low-income families participating in FWHA programs (often Housing Choice Voucher or public housing residents) who are first-time buyers, com…
Indiana Housing and Community Development AuthorityINFirst-Time HomeownerState housing finance authority menu of down payment assistance options that layer forgivable and deferred second mortgage loans of set percentages of the purchase price on top of 30 year fixed rate IHCDA first mortgages to reduce required cash to close for eligible buyers.
Updated: Dec 6, 2025
Statewide hub page that describes IHCDA’s menu of down payment assistance programs, including forgivable and deferred second-mortgage options that can be layered with IHCDA first mortgages.
Eligible for: Income- and purchase price-eligible homebuyers in Indiana working with an IHCDA participating lender; must meet program-specific credit, deb…
Indiana Housing and Community Development AuthorityINFirst-Time HomeownerState administered mortgage credit certificate program that allows eligible homebuyers to claim a set percentage of their annual mortgage interest as a dollar for dollar federal income tax credit each year, up to 2000 dollars annually, for as long as they live in the home and keep the original loan.
Updated: Dec 6, 2025
Statewide tax-credit program that reduces federal income tax for eligible Indiana homebuyers by converting a portion of their mortgage interest into a dollar-for-dollar tax credit each year.
Eligible for: First-time homebuyers (with exceptions for targeted areas and qualifying veterans) who meet IHCDA income and acquisition price limits, obtai…
MassHousingMAFirst-Time HomeownerState housing finance agency platform that delivers affordable 30 year fixed rate MassHousing mortgages through participating lenders and allows eligible buyers to add agency backed down payment assistance up to 30000 dollars to reduce cash needed at closing.
Updated: Dec 6, 2025
Statewide MassHousing homebuyer portal offering affordable fixed-rate mortgages, down payment assistance, and homebuyer education to first-time and modest-income buyers across Massachusetts.
Eligible for: Households with modest incomes purchasing a 1–4 unit primary residence (single-family, condo, or 2–4 family) anywhere in Massachusetts who m…
City of Salem, MA – Department of Planning & Community DevelopmentMAFirst-Time HomeownerCity housing office that uses local, state and federal funds to offer first time homebuyer down payment assistance loans, housing rehabilitation loans and landlord assistance programs alongside broader housing stability resources.
Updated: Dec 6, 2025
City of Salem housing resource hub featuring the First-Time Homebuyer Downpayment Assistance Loan Program plus rehab, landlord, and housing stability programs for residents.