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)
Albemarle County Office of HousingVAFirst-Time HomeownerCounty-run homebuyers assistance program that offers a deferred, forgivable second mortgage to help eligible buyers cover down payment and closing costs when purchasing in Albemarle County.
Updated: Dec 6, 2025
County-run assistance program in Albemarle County, Virginia, offering down payment and closing cost help to eligible homebuyers.
Eligible for: First-time homebuyers purchasing an owner-occupied home in Albemarle County, Virginia; must meet income limits, complete homebuyer education…
Virginia HousingVAFirst-Time HomeownerStatewide Virginia Housing grant that provides true, non-repayable down payment assistance when paired with an eligible Virginia Housing first mortgage, subject to income, sales-price, and location limits.
Updated: Dec 6, 2025
Statewide true grant for down payment assistance that never requires repayment when paired with a Virginia Housing loan.
Eligible for: Qualified first-time homebuyer or repeat buyer purchasing in Areas of Economic Opportunity, income and sales-price limits apply, must use a …
Housing Opportunities Made Equal of Virginia (HOME of VA)VAFirst-Time HomeownerHUD-approved nonprofit counseling and education services that provide free pre-purchase guidance, group homebuyer classes, credit and budget coaching, and fair housing support to Virginians preparing for homeownership, often used alongside state and local down payment assistance programs.
Updated: Dec 6, 2025
Nonprofit HUD-approved counseling agency providing free homeownership education, credit and budget coaching, and fair housing support, frequently paired with Virginia Housing, DHCD, and local DPA programs.
Eligible for: Prospective and current homebuyers in Virginia seeking education, counseling, or help planning for homeownership, resolving credit issues, o…
Camden County Division of Housing Services / Camden County Improvement AuthorityNJFirst-Time HomeownerCamden County zero percent interest non amortizing second mortgage that provides deferred and forgivable assistance loans for down payment and closing costs for eligible first time buyers.
Updated: Dec 6, 2025
County-level homebuyer assistance for first-time buyers to cover down payment and/or closing costs, promoting affordable ownership in Camden County.
Eligible for: First-time homebuyers in Camden County (outside certain boroughs) meeting income and purchase price limits, must attend homebuyer education,…
Georgia Department of Community Affairs – Georgia DreamGAFirst-Time HomeownerGeorgia Department of Community Affairs statewide housing finance agency program that offers affordable 30 year fixed rate first mortgages paired with second loan down payment and closing cost assistance for eligible buyers.
Updated: Dec 6, 2025
Statewide first-time homebuyer program providing affordable 30-year fixed-rate mortgages with layered down payment and closing cost assistance for Georgia residents.
Eligible for: Primarily first-time homebuyers in Georgia (or those who have not owned a home in the last three years), plus certain exceptions for veteran…
City of Warner Robins – Community & Economic DevelopmentGAFirst-Time HomeownerCity of Warner Robins first time homebuyer purchase assistance structured as a subordinate down payment and closing cost assistance loan or grant that is layered with an affordable first mortgage for income eligible buyers purchasing within city limits.
Updated: Dec 6, 2025
Local first-time homebuyer purchase assistance program in Warner Robins that offers up to $5,000 toward down payment and closing costs on homes in the city.
Eligible for: Income-eligible first-time homebuyers (no homeownership in the last 3 years) purchasing an owner-occupied home within Warner Robins city lim…
N.C. Office of Recovery & ResiliencyNCFirst-Time HomeownerReBuild NC disaster recovery assistance funded with CDBG DR dollars that provides a zero percent interest deferred loan covering a percentage of the purchase price up to thirty thousand dollars plus eligible closing costs for buyers in most impacted and distressed counties.
Updated: Dec 6, 2025
Disaster-recovery homeownership assistance providing substantial down payment and closing cost support to first-time and first-generation buyers in hurricane-impacted North Carolina communities.
Eligible for: First-time or first-generation homebuyers purchasing a primary residence in one of 16 HUD-designated “Most Impacted and Distressed” eastern …
Prince William County Housing & Community DevelopmentVAFirst-Time HomeownerCounty-level first-time homebuyer program that provides down payment and closing cost assistance, typically as a subordinate forgivable loan, to help income-eligible buyers purchase owner-occupied homes in Prince William County.
Updated: Dec 6, 2025
County-level first-time buyer assistance program in Prince William County, Virginia, covering down payment and closing cost support for eligible buyers.
Eligible for: First-time homebuyers purchasing an owner-occupied home in Prince William County, meeting income and purchase-price limits, completing homeb…
City of Greenville – Community Development DivisionNCFirst-Time HomeownerCity of Greenville down payment assistance combining a ten percent no interest loan and a twenty percent HOME grant, calculated as a percentage of the home purchase price for eligible buyers in designated target areas.
Updated: Dec 6, 2025
Suite of down payment and closing cost assistance options in Greenville, NC, combining a 0% interest loan and HOME grant funds to help first-time buyers purchase in targeted neighborhoods.
Eligible for: Low- to moderate-income first-time homebuyers purchasing an owner-occupied home within designated target areas inside Greenville city limits…
Virginia Department of Housing and Community Development (DHCD)VAFirst-Time HomeownerStatewide HOMEownership DPA program administered by Virginia DHCD that provides gap financing as a deferred, low- or no-interest loan layered with an eligible first mortgage to cover down payment and closing costs for income-eligible first-time buyers.
Updated: Dec 6, 2025
Statewide program offering deferred loan assistance to help first-time homebuyers with down payment and closing cost in Virginia.
Eligible for: First-time homebuyers, income at or below 80% AMI (for the HOME DPA); some pilot option up to 60% AMI with up to $50,000 assistance.
City of Perth Amboy – Housing & Community Development DepartmentNJFirst-Time HomeownerCity of Perth Amboy municipal down payment and closing cost assistance typically structured as a subordinate deferred or forgivable loan tied to owner occupancy requirements for first time buyers.
Updated: Dec 6, 2025
Municipal down payment assistance for eligible first-time buyers in Perth Amboy, helping bridge the upfront cost to ownership.
Eligible for: First-time homebuyers purchasing in the City of Perth Amboy; must meet income/purchase price limits and complete homebuyer education; proper…
BankrateOHFirst-Time HomeownerConsumer-facing editorial guide that explains how major Ohio programs like the OHFA Homebuyer Program, OHFA down payment assistance, and local city and county grants work rather than providing funding directly.
Updated: Dec 6, 2025
Editorial guide that explains Ohio’s main first-time homebuyer assistance programs and points readers to statewide and local options, including OHFA and various city/county initiatives.
Eligible for: First-time homebuyers researching assistance options in Ohio; readers are directed to program administrators like OHFA, county housing offic…