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)
Arizona Department of HousingAZFirst-Time HomeownerState administered 30 year fixed rate first mortgage paired with substantial down payment and closing cost assistance funded with State Housing Trust and federal American Rescue Plan resources, with higher assistance amounts for buyers at or below 80 percent of area median income and additional support for households up to 120 percent AMI.
Updated: Dec 6, 2025
Statewide Arizona Is Home mortgage assistance initiative offering enhanced down payment help and interest-rate relief so first-time, low- to middle-income buyers can afford a primary residence in Arizona.
Eligible for: First-time, low- to middle-income homebuyers across Arizona who meet HUD first-time buyer definitions, income limits (generally up to 120% o…
City of Tucson Housing and Community DevelopmentAZFirst-Time HomeownerLocally administered deferred payment down payment assistance loan funded with HOME and related resources that can cover up to 20 percent of the contract sales price, with no monthly payments and repayment generally due if the home is sold or no longer a primary residence during the affordability period.
Updated: Dec 6, 2025
Tucson and Pima County down payment assistance loan program offering up to 20% of the purchase price in support for income-eligible first-time buyers.
Eligible for: First-time homebuyers purchasing a primary residence in the City of Tucson or Pima County (excluding Tribal lands) with household income at …
City of Phoenix Housing DepartmentAZFirst-Time HomeownerCity of Phoenix deferred payment second mortgage that provides up to 10 percent of the purchase price for down payment and closing costs on an owner occupied home, at zero percent interest with no monthly payments and forgiveness or repayment tied to a long term affordability and occupancy period.
Updated: Dec 6, 2025
City of Phoenix Open Doors Down Payment Assistance Program providing up to 10% of the purchase price for income-eligible first-time buyers purchasing in Phoenix.
Eligible for: First-time homebuyers purchasing an owner-occupied home within Phoenix city limits, earning at or below 80% Area Median Income (AMI), who co…
Arizona Industrial Development AuthorityAZFirst-Time HomeownerStatewide Arizona Industrial Development Authority program that combines a 30 year fixed rate first mortgage with down payment and closing cost assistance of up to 4 percent of the first mortgage amount, delivered through a network of participating lenders with options for forgivable or non forgivable assistance structures.
Updated: Dec 6, 2025
Statewide Home Plus down payment assistance program providing up to 4% of the loan amount toward down payment and closing costs for qualifying Arizona homebuyers.
Eligible for: Borrowers purchasing a primary residence anywhere in Arizona who meet program income limits (generally ≤$146,503 household income), qualify …
Colorado Housing and Finance AuthorityCOFirst-Time HomeownerState housing finance agency down payment assistance delivered either as a true grant of up to the lesser of 25000 dollars or 3 percent of the CHFA first mortgage amount or as a zero percent interest, non amortizing second mortgage of up to the lesser of 25000 dollars or 4 percent of the first mortgage amount, paired with a 30 year fixed rate CHFA loan.
Updated: Dec 6, 2025
Statewide CHFA down payment assistance that adds a grant or 0% second mortgage on top of a CHFA first loan to cover down payment and closing costs.
Eligible for: Homebuyers using an eligible CHFA first-mortgage loan to purchase a primary residence in Colorado; must meet CHFA income and purchase-price …
Colorado Department of Local Affairs – Division of HousingCOFirst-Time HomeownerState Division of Housing grant funding that flows to local governments, tribal governments and nonprofit housing partners so they can create or expand down payment assistance and affordable for sale housing programs that serve low and moderate income homebuyers.
Updated: Dec 6, 2025
State-level DPA funding stream that helps local governments and nonprofits offer down payment assistance and affordable for-sale housing to Colorado homebuyers.
Eligible for: Colorado local governments, tribal governments, and nonprofit housing partners that apply for and receive DOLA/DOH funds to operate homebuye…
Cuyahoga County Department of Development / CHN Housing PartnersOHFirst-Time HomeownerCounty administered down payment assistance providing an amount equal to seventeen percent of the total transaction cost to reduce the buyer’s required cash-to-close and first-mortgage balance.
Updated: Dec 6, 2025
County-administered down payment assistance program providing a substantial 17% of the total transaction amount to help income-eligible first-time buyers purchase homes in Cuyahoga County.
Eligible for: First-time homebuyers (no homeownership in past 3 years) purchasing an owner-occupied, single-family home in Cuyahoga County who will use th…
Ohio Housing Finance AgencyOHFirst-Time HomeownerOhio Housing Finance Agency statewide first mortgage platform offering thirty year fixed rate FHA, VA, USDA RD, and conventional loans for income eligible buyers that can be layered with OHFA down payment assistance, Ohio Heroes, Grants for Grads, Mortgage Tax Credit, and other incentives.
Updated: Dec 6, 2025
Statewide first-time homebuyer mortgage program offering affordable 30-year fixed-rate loans and access to layered assistance like down payment help, tax credits, and special incentives.
Eligible for: First-time homebuyers (or those meeting OHFA’s exceptions such as qualifying veterans or purchases in target areas) who meet OHFA income and…
Fairfax County Department of Housing and Community DevelopmentVAFirst-Time HomeownerCounty-administered affordable homeownership program that offers newly built and resale homes at below-market prices and may pair them with down payment assistance, reduced interest rates, or other supports for income-eligible first-time buyers.
Updated: Dec 6, 2025
County-run program offering access to affordably priced new and resale homes plus down payment and mortgage assistance for income-eligible first-time buyers in Fairfax County.
Eligible for: First-time homebuyers (no ownership in past 3 years) with minimum household income of $25,000 and maximum income up to ~70% of Area Median I…
SoFiVAFirst-Time HomeownerEditorial overview that summarizes multiple Virginia first-time homebuyer and down payment assistance programs, including Virginia Housing and DHCD offerings and local city and county initiatives, rather than providing direct financial assistance.
Updated: Dec 6, 2025
Editorial overview page that explains key Virginia first-time homebuyer programs and links out to statewide and local down payment and closing cost assistance options.
Eligible for: First-time (and some repeat) homebuyers researching Virginia programs; eligibility depends on the specific state or local program (income, c…
Henrico County Housing & NeighborhoodsVAFirst-Time HomeownerCounty program that provides need-based, deferred-payment forgivable loans to help first-time, low- and moderate-income Henrico residents cover down payment and closing costs when purchasing a primary residence in the county.
Updated: Dec 6, 2025
County program that partners with nonprofit agencies to provide need-based, forgivable loans to help first-time homebuyers with down payment and closing costs.
Eligible for: Qualified first-time, low- and moderate-income homebuyers purchasing a primary residence in Henrico County; must be Henrico residents, compl…
James City County Office of HousingVAFirst-Time HomeownerLocal first-time homebuyer initiative that combines HUD-certified education and counseling with access to down payment and closing cost assistance and affordable mortgage products through partners like the Hampton Roads Loan Fund Partnership and Virginia Housing.
Updated: Dec 6, 2025
Local first-time homebuyer program that combines education, counseling, down payment and closing cost assistance, and affordable mortgage products for James City County residents and workforce.
Eligible for: First-time homebuyers (as defined by the program) who live or work in James City County, meet income limits, and complete required homebuyer…