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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Latest opportunities (296)
Down Payment Assistance Program – City of Lansing
Temporarily PausedCity of Lansing – Community Development OfficeMIFirst-Time HomeownerHOME funded city down payment assistance program that historically offered up to 10000 dollars as a zero percent interest second mortgage for eligible first time buyers in Lansing, currently suspended for 2025 due to reduced federal funding.
Updated: Dec 6, 2025
City of Lansing HOME-funded DPA program (currently paused) that historically provided up to $10,000 as a 0% second mortgage to help first-time buyers with down payment and closing costs.
Eligible for: First-time homebuyers (no homeownership in past 3 years) purchasing a single-family home within Lansing city limits; household income at or …
The Industrial Development Authority of the County of PimaAZFirst-Time HomeownerCounty and city industrial development authority sponsored 30 year fixed rate first mortgages paired with down payment and closing cost assistance structured as second mortgage loans that may be forgivable over time or as grants for certain loan types such as VA, sized as a percentage of the first loan amount.
Updated: Dec 6, 2025
Pima Tucson Homebuyer’s Solution program offering a fixed-rate first mortgage paired with down payment and closing cost assistance for buyers in Pima County, including Tucson.
Eligible for: Homebuyers purchasing an owner-occupied primary residence in Pima County (including the City of Tucson) who qualify for an eligible FHA, VA,…
Tennessee Housing Development AgencyTNFirst-Time HomeownerTennessee Housing Development Agency 30 year fixed rate first mortgage product for first-time and certain repeat buyers, available with FHA, VA, USDA RD or conventional financing and designed to be paired with Great Choice Plus down payment assistance when needed.
Updated: Dec 6, 2025
THDA’s flagship Great Choice Home Loan offers a predictable 30-year fixed mortgage for Tennessee first-time buyers, often paired with down payment assistance to reduce cash-to-close.
Eligible for: Primarily first-time homebuyers (or buyers who have not owned in the past three years) who meet THDA income and purchase-price limits, quali…
Washington State Housing Finance CommissionWAFirst-Time HomeownerWashington State Housing Finance Commission downpayment assistance second mortgage that attaches to Home Advantage or House Key first mortgages and provides a zero percent interest deferred loan equal to a percentage of the first mortgage amount.
Updated: Dec 6, 2025
Statewide WSHFC downpayment assistance that attaches to Commission first mortgages to cover a significant portion of the required down payment and closing costs.
Eligible for: Homebuyers using a WSHFC first mortgage (Home Advantage or House Key) who meet program income limits (up to roughly state-set caps), minimum…
City of Bowie – Office of Grant Development & AdministrationMDFirst-Time HomeownerLocal closing cost assistance grant layered with a Maryland Mortgage Program first mortgage, where the City of Bowie provides a 2000 dollar grant that is typically matched by a 2000 dollar MMP grant for eligible buyers.
Updated: Dec 6, 2025
“Bowie First” is a targeted home buyer assistance grant that helps Bowie workers and residents with disabilities cover closing costs when buying a home in the city, often doubling via an MMP match.
Eligible for: Teachers, police officers, City of Bowie employees, and persons with disabilities purchasing a primary residence within Bowie city limits; b…
City of Memphis – Division of Housing and Community Development, Office of Down Payment AssistanceTNFirst-Time HomeownerCity of Memphis administered zero percent interest deferred second mortgage style assistance that provides up to 10 percent of the home sales price, capped around 25000 dollars, to cover down payment and closing costs for eligible buyers under citywide and targeted incentive tracks.
Updated: Dec 6, 2025
Memphis’s DPA office provides layered, citywide and incentive-based down payment and closing-cost assistance loans so eligible buyers can purchase homes within the city limits with far less upfront cash.
Eligible for: First-time buyers and other eligible purchasers buying within Memphis city limits who meet specific income limits (Citywide DPA typically ≤8…
Tennessee Housing Development AgencyTNFirst-Time HomeownerTennessee Housing Development Agency subordinate second mortgage that rides alongside a Great Choice first mortgage and provides up to around 5 percent of the home purchase price, typically capped near 15000 dollars, to cover down payment, closing costs and certain prepaid items.
Updated: Dec 6, 2025
Great Choice Plus is THDA’s companion down payment assistance loan, adding a low-cost second mortgage so income-eligible buyers can close with far less cash.
Eligible for: Borrowers who qualify for a Great Choice Home Loan, meet THDA income and purchase-price limits, complete required homebuyer education/counse…
Tennessee Housing Development AgencyTNFirst-Time HomeownerStatewide Tennessee Housing Development Agency platform that delivers 30 year fixed rate Great Choice first mortgages and companion Great Choice Plus down payment assistance second loans, along with related products for first-time and repeat buyers.
Updated: Dec 6, 2025
THDA’s Great Choice homebuyer portal is the statewide hub for affordable 30-year fixed-rate loans and companion down payment assistance options for Tennesseans.
Eligible for: Tennessee homebuyers who meet THDA income and purchase-price limits, minimum credit and debt-to-income requirements, and complete a THDA-app…
Washington State Housing Finance CommissionWAFirst-Time HomeownerWashington State Housing Finance Commission first mortgage platform that offers 30 year fixed rate Home Advantage, House Key Opportunity and related loans which can be paired with zero or low interest deferred downpayment assistance second mortgages for eligible buyers.
Updated: Dec 6, 2025
Central hub for WSHFC’s Home Advantage and House Key mortgages plus linked downpayment assistance loans for Washington first-time and repeat buyers.
Eligible for: Washington homebuyers who meet program income and purchase-price limits, minimum credit-score and debt-to-income ratios, and who complete a …
City of Tacoma – Community & Economic Development, Housing DivisionWAFirst-Time HomeownerCity of Tacoma administered zero percent interest deferred second mortgage funded through Washington State Department of Commerce Housing Trust Fund and local resources, providing substantial down payment and closing cost assistance to eligible first-time buyers.
Updated: Dec 6, 2025
City of Tacoma’s downpayment assistance loan program offering up to $80,000 in zero-interest, deferred financing to help first-time buyers purchase homes in Tacoma.
Eligible for: First-time homebuyers purchasing within eligible Tacoma city limits who have household income at or below 80% of area median income, contrib…
City of Clarksville – Neighborhood & Community Services / Office of Housing & Community DevelopmentTNFirst-Time HomeownerHUD HOME funded assistance package that provides up to 25000 dollars in combined zero percent interest support, with an initial forgivable portion and a remaining silent second mortgage portion, to cover down payment and closing costs for eligible first-time buyers in Clarksville.
Updated: Dec 6, 2025
Clarksville’s First-Time Homebuyers Program uses HUD HOME funds to provide substantial zero-interest down payment and closing-cost assistance to low-income buyers purchasing in the city.
Eligible for: Low-income, first-time homebuyers (generally at or below 80% of area median income) purchasing a primary residence within the Clarksville ci…
City of Seattle Office of HousingWAFirst-Time HomeownerCity of Seattle Office of Housing downpayment assistance delivered as subordinated low interest deferred second mortgages funded primarily by the Seattle Housing Levy and local sources, administered through nonprofit partners and paired with Washington State Housing Finance Commission first mortgages.
Updated: Dec 6, 2025
City of Seattle downpayment assistance delivered through nonprofit partners and WSHFC loans to help low-income first-time buyers purchase homes in Seattle.
Eligible for: First-time, income-eligible homebuyers (generally at or below 80% AMI) purchasing a primary residence within Seattle city limits; buyers wor…