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)
Commonwealth of MassachusettsMAFirst-Time HomeownerState supported affordable mortgage program administered by Massachusetts Housing Partnership that provides a 30 year fixed rate first mortgage with low down payment, no private mortgage insurance and built in interest subsidy and in some variants access to additional down payment or closing cost assistance.
Updated: Dec 6, 2025
Flagship affordable mortgage program offering first-time buyers a low down payment, below-market fixed rate, no PMI, and built-in interest subsidy to keep payments manageable.
Eligible for: Low- and moderate-income first-time homebuyers in Massachusetts who meet MHP income and purchase price limits, complete approved homebuyer e…
Commonwealth of MassachusettsMAFirst-Time HomeownerState information portal describing MassHousing 30 year fixed rate mortgage products delivered through partner lenders with features such as low down payment requirements, competitive interest rates, optional mortgage payment protection and the ability to pair loans with MassHousing down payment assistance up to 30000 dollars.
Updated: Dec 6, 2025
State information page summarizing MassHousing mortgage products: safe, fixed-rate loans with low down payment requirements and optional down payment assistance.
Eligible for: Massachusetts homebuyers with modest incomes who purchase 1–4 unit primary residences in the state, meet MassHousing income and purchase pri…
MassHousingMAFirst-Time HomeownerState housing finance agency second mortgage program that offers structured deferred and amortizing loans layered on top of MassHousing first mortgages to cover a portion of the buyer's down payment and closing costs.
Updated: Dec 6, 2025
MassHousing’s flagship down payment assistance program providing up to $30,000 statewide via structured second mortgages layered on top of MassHousing first loans.
Eligible for: Income-eligible first-time homebuyers purchasing a 1–4 unit primary residence (single-family, condo, or 2–4 family) in Massachusetts who pai…
Prince George’s County Department of Housing and Community DevelopmentMDFirst-Time HomeownerCounty level down payment and closing cost assistance provided as a subordinate loan of up to 50000 dollars that is layered with a Maryland Mortgage Program 1st Time Advantage first mortgage for eligible buyers in Prince George's County.
Updated: Dec 6, 2025
Large county-level down payment and closing-cost assistance program layered with the Maryland Mortgage Program to help first-time buyers purchase in Prince George’s County.
Eligible for: First-time homebuyers (no ownership in prior 3 years) purchasing an owner-occupied home anywhere in Prince George’s County; must meet income…
Frederick County Division of Housing / Department of Housing and Community DevelopmentMDFirst-Time HomeownerCounty administered zero percent interest deferred payment second loan that provides down payment and closing cost assistance up to 12000 dollars for qualifying first time buyers in Frederick County.
Updated: Dec 6, 2025
Frederick County’s HAP program offers zero-interest, deferred loans up to $12,000 to help limited-resource first-time buyers cover down payment and closing costs on homes in the county.
Eligible for: First-time homebuyers who live and/or work in Frederick County, have total gross household income at or below 80% of the Washington, DC MSA …
Maryland Department of Housing and Community Development – Maryland Mortgage ProgramMDFirst-Time HomeownerState housing finance platform that delivers affordable 30 year fixed rate mortgages through approved lenders and layers in down payment and closing cost assistance, Partner Match funds, mortgage credit certificates and specialty offerings such as SmartBuy for eligible Maryland homebuyers.
Updated: Dec 6, 2025
Landing hub for the Maryland Mortgage Program, connecting homebuyers to approved lenders, loan options, down payment assistance, SmartBuy student-debt relief and homebuyer education.
Eligible for: Maryland buyers who meet household income and purchase-price limits, qualify for an eligible first mortgage under MMP guidelines, complete a…
Maryland Department of Housing and Community Development – Maryland Mortgage ProgramMDFirst-Time HomeownerStatewide menu of 30 year fixed rate government and conventional mortgages bundled with multiple down payment and closing cost assistance options including Loan Assist, Grant Assist, Partner Match and specialty products such as HomeAbility and Maryland SmartBuy.
Updated: Dec 6, 2025
Statewide overview of MMP’s 1st Time Advantage, Flex, Loan Assist, Grant Assist, Partner Match, and specialty products that bundle affordable mortgages with down payment and closing-cost help.
Eligible for: Maryland homebuyers who meet MMP income and purchase-price limits, qualify for an eligible government or conventional 30-year fixed mortgage…
MI 10K DPA Loan
OpenMichigan State Housing Development AuthorityMIFirst-Time HomeownerStatewide zero percent interest, non amortizing second mortgage of up to 10000 dollars that is layered on top of an MI Home Loan first mortgage and can be used toward down payment, closing costs and prepaid items for eligible buyers.
Updated: Dec 6, 2025
Statewide 0% second-mortgage assistance that adds up to $10,000 in flexible funds on top of an MI Home Loan to cover down payment and closing costs.
Eligible for: Homebuyers using an MI Home Loan who meet MSHDA income and purchase price limits and credit guidelines; must obtain financing through an MSH…
MI Home Loan
OpenMichigan State Housing Development AuthorityMIFirst-Time HomeownerFlagship Michigan State Housing Development Authority first mortgage program that offers 30 year fixed rate FHA, VA, USDA RD or conventional loans through approved lenders and can be paired with MSHDA down payment assistance such as the MI 10K DPA Loan for eligible buyers.
Updated: Dec 6, 2025
Statewide fixed-rate mortgage product for Michigan first-time and targeted-area buyers, with optional down payment assistance to reduce upfront costs.
Eligible for: First-time homebuyers statewide and repeat buyers in federally targeted areas; must meet MSHDA income and purchase price limits, minimum cre…
Michigan State Housing Development AuthorityMIFirst-Time HomeownerState administered deferred payment loan of up to 25000 dollars funded with a limited statewide allocation that covers down payment, closing costs and prepaid expenses for qualifying first generation homebuyers and is typically layered with an MI Home Loan first mortgage.
Updated: Dec 6, 2025
Pilot statewide program offering up to $25,000 in assistance to first-generation Michigan homebuyers to overcome generational wealth and savings gaps.
Eligible for: First-generation homebuyers in Michigan whose parents or legal guardians have never owned a home; must meet MSHDA income and purchase price …
City of Grand RapidsMIFirst-Time HomeownerCity of Grand Rapids administered zero percent interest deferred loan of up to 7500 dollars that can be used for down payment, closing costs and prepaid expenses and is typically forgiven after a minimum owner occupancy period for income eligible buyers.
Updated: Dec 6, 2025
City of Grand Rapids HAF program providing up to $7,500 in zero-interest, forgivable assistance to help income-eligible buyers with down payment and closing costs.
Eligible for: Low- to moderate-income homebuyers purchasing a primary residence within Grand Rapids city limits; must complete a homebuyer education cours…
Clark County Treasurer’s Office in partnership with Washington State Housing Finance CommissionWAFirst-Time HomeownerClark County American Rescue Plan funded and Washington State Housing Finance Commission partnered downpayment assistance program that provides up to 60,000 dollars as a simple interest deferred second mortgage layered on a WSHFC first mortgage.
Updated: Dec 6, 2025
County-level DPA program in partnership with WSHFC providing up to $60,000 in low-interest, deferred assistance for income-eligible first-time buyers in Clark County.
Eligible for: First-time homebuyers (no home owned in past three years) purchasing a primary residence in Clark County with a purchase price ≤$600,000, ap…