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)
First Ohio Home Finance, Inc.OHFirst-Time HomeownerLender overview page describing how First Ohio Home Finance packages OHFA backed mortgages, down payment assistance, grants, and tax credit products for eligible Ohio first time buyers rather than providing a standalone grant.
Updated: Dec 6, 2025
Lender overview page describing OHFA-backed and other assistance programs available to Ohio first-time homebuyers through First Ohio Home Finance.
Eligible for: Ohio first-time homebuyers (and some repeat buyers) who meet income, credit, and purchase price requirements for OHFA and partner programs; …
Ohio Housing Finance AgencyOHFirst-Time HomeownerStatewide down payment assistance from the Ohio Housing Finance Agency that lets eligible borrowers using an OHFA first mortgage choose either two and a half or five percent of their loan amount to apply toward down payment, closing costs, or other pre-closing expenses.
Updated: Dec 6, 2025
FHA.com’s Ohio grants page highlights OHFA’s “Your Choice!” Down Payment Assistance Program, which provides 2.5% or 5% of the loan amount to help cover down payment and closing costs for qualifying Ohio homebuyers.
Eligible for: Homebuyers in Ohio using an OHFA 30-year fixed-rate FHA, VA, USDA-RD, or conventional mortgage who meet OHFA income and purchase price limit…
Fulton County Community Development – Homeownership ProgramGAFirst-Time HomeownerFulton County Community Development zero percent interest deferred payment second mortgage program that provides down payment and closing cost assistance to low and moderate income first time homebuyers in eligible parts of the county.
Updated: Dec 6, 2025
Fulton County’s HOP provides up to $15,000 in zero-interest, deferred down payment and closing cost assistance to help first-time buyers purchase homes in qualifying parts of the county.
Eligible for: First-time homebuyers purchasing an owner-occupied home in eligible parts of Fulton County (generally outside certain municipalities such as…
City of Gastonia – Housing and Neighborhoods DivisionNCFirst-Time HomeownerHUD HOME funded zero percent interest second mortgage that provides deferred and partially forgivable down payment and closing cost assistance based on household income tier.
Updated: Dec 6, 2025
HOME-funded down payment and closing cost assistance program providing up to $5,000–$10,000 for modest-income buyers in Gaston County and Kings Mountain.
Eligible for: First-time or displaced homebuyers (or those who have not owned a home in the last 3 years) who are residents of eligible Gaston County town…
City of Rocky MountNCFirst-Time HomeownerCity of Rocky Mount zero percent interest deferred payment loans funded with CDBG, HOME, and local dollars to cover down payment, closing costs, upfront mortgage insurance, and gap financing for first time buyers.
Updated: Dec 6, 2025
High-impact down payment and closing cost assistance of up to $40,000–$50,000 for low-income first-time buyers purchasing in Rocky Mount, with targeted neighborhood bonuses and long-term forgivable terms.
Eligible for: First-time homebuyers (no ownership in the last 3 years) with household incomes at or below 80% AMI purchasing a primary residence within Ro…
New Jersey Community Capital (NJCC)NJFirst-Time HomeownerNew Jersey Community Capital statewide down payment and closing cost assistance structured as a recoverable, forgivable grant of ten thousand to thirty thousand dollars that is fully forgiven after five years of continuous owner occupancy.
Updated: Dec 6, 2025
Statewide down payment/closing cost assistance program offering large grants for eligible New Jersey homebuyers, complementing other state or local programs.
Eligible for: Eligible homebuyers purchasing a primary residence in New Jersey (1–4 family). Income at or below 100% HUD AMI by county, must complete HUD-…
Gloucester County Office of Housing & Community DevelopmentNJFirst-Time HomeownerGloucester County zero percent interest deferred payment second mortgage that provides up to twenty five thousand dollars for closing costs and down payment, forgiven after a required period of owner occupancy.
Updated: Dec 6, 2025
County-wide down payment / closing cost assistance helping renters with incomes to make the leap to homeownership.
Eligible for: Low- and moderate-income first-time homebuyers (no home ownership in last 3 years) within Gloucester County, NJ; must complete HUD-approved …
Monmouth County Planning Board – Division of HousingNJFirst-Time HomeownerMonmouth County down payment and closing cost assistance administered as a county housing program, typically delivered as a deferred or forgivable second mortgage for eligible low and moderate income first time buyers.
Updated: Dec 6, 2025
County-based assistance for first-time buyers in Monmouth County, helping with upfront purchase costs to increase access to homeownership.
Eligible for: First-time homebuyers in Monmouth County, NJ, meeting income/purchase price limits and completing homebuyer education; property must be owne…
City of Canton Department of Community DevelopmentOHFirst-Time HomeownerCity of Canton zero percent interest deferred payment second mortgage that provides up to five thousand dollars for down payment and closing costs and is fully forgiven after five years of owner occupancy.
Updated: Dec 6, 2025
City of Canton’s down payment assistance program provides up to $5,000 as a 0% interest deferred loan to help first-time buyers cover down payment and closing costs.
Eligible for: First-time low- to moderate-income homebuyers purchasing an owner-occupied home within the Canton city limits; must contribute at least $500…
State of OhioOHFirst-Time HomeownerOhio state information hub that aggregates and links to multiple homebuyer incentive programs including mortgage products, down payment help, savings tools, and redevelopment initiatives rather than providing direct funding itself.
Updated: Dec 6, 2025
Centralized Ohio.gov resource hub pointing homebuyers to multiple statewide incentives, including mortgage products, down payment assistance, savings programs, and redevelopment initiatives.
Eligible for: Ohio residents seeking to buy a home who qualify under individual program guidelines, including income and purchase price limits, residency …
Franklin County Board of Commissioners / HomeportOHFirst-Time HomeownerFranklin County zero percent interest deferred second mortgage that provides up to five percent of the purchase price, capped at fifteen thousand dollars, for down payment, prepaid items, and closing costs and is forgiven after a six year affordability period.
Updated: Dec 6, 2025
County-level down payment assistance program providing a forgivable 0% second mortgage to help low- and moderate-income first-time buyers in Franklin County with down payment and closing costs.
Eligible for: First-time homebuyers (or those who have not owned a home in the past 3 years) purchasing an owner-occupied single-family home located insid…
City of Savannah Housing & Neighborhood Services DepartmentGAFirst-Time HomeownerCity of Savannah administered 2 percent interest 30 year deferred payment second mortgage that can be layered with a first mortgage to provide down payment, closing cost, and gap financing assistance to eligible buyers.
Updated: Dec 6, 2025
City of Savannah’s flagship DreamMaker program offers substantial, low-interest deferred loans—up to $50,000—for down payment, closing costs, and gap financing to help first-time buyers purchase homes within Savannah.
Eligible for: Income-eligible first-time homebuyers purchasing a primary residence within Savannah city limits; must complete approved homebuyer education…