Explore First Time Homeowner Grants Nationwide

Fargo’s Downpayment Assistance page connects first-time buyers in the city directly to NDHFA’s DCA Program, which embeds a 3% down payment and closing-cost credit into an NDHFA first mortgage for low-income households.

Eligible for: First-time homebuyers purchasing within Fargo city limits who qualify for an NDHFA first mortgage and meet DCA income and property guideline…

The Essential Public Employee Program (EP2) provides up to $10,000 in affordable down payment and closing cost assistance loans for North Dakota’s public employees—such as teachers, first responders, and government staff—to help them buy homes in the communities they serve.

Eligible for: Essential public employees in North Dakota employed by a city or county government, school district, medical or long-term care facility, the…

DC Open Doors combines competitively priced first mortgages with a 0% deferred Down Payment Assistance Loan that can cover a buyer’s entire minimum down payment, making District homeownership more accessible for both first-time and repeat buyers.

Eligible for: Open to qualified first-time and repeat homebuyers purchasing in Washington, DC; borrowers must use a participating lender, meet DCHFA credi…

The Providence Down Payment Assistance Program offers income-eligible first-time buyers in Providence a forgivable, zero-interest loan of up to $20,000 to cover down payment and closing costs, making urban homeownership far more attainable.

Eligible for: First-time homebuyers purchasing a 1–3 unit home or condo in the City of Providence whose household income is at or below 80% of Area Median…

The DSHA Loan Products page details the specific Smart Start, First State Home Loan and Diamond in the Rough offerings, showing how Delaware first-time and repeat buyers can pair a DSHA mortgage with 3%–5% down payment and closing-cost assistance.

Eligible for: Low- and moderate-income Delaware homebuyers who qualify for DSHA Welcome Home or Home Again FHA, VA, USDA or conventional 30-year fixed-rat…

Wilmington’s First Start Homebuyer Program provides up to $15,000 in down payment and closing-cost assistance to low- and moderate-income first-time buyers purchasing owner-occupied homes inside city limits.

Eligible for: First-time homebuyers, displaced homemakers and single parents purchasing a single-family home within the City of Wilmington who have not ow…

South Dakota’s Fixed Rate Plus down payment assistance provides 3% or 5% of the first mortgage amount as a 0% interest, due-on-sale second mortgage to cover down payment and closing costs, helping first-time and repeat buyers bridge the upfront cost gap.

Eligible for: Eligible borrowers who qualify for SD Housing’s Fixed Rate Plus first mortgage and meet standard underwriting, property, and income guidelin…

NDHFA’s FirstHome Program offers low-interest, fixed-rate mortgages specifically for first-time buyers and allows them to add DCA or Start assistance, which provides a 3% credit toward down payment, closing costs, and prepaid items.

Eligible for: First-time homebuyers who have not owned a home as their principal residence in the past three years (including manufactured homes on perman…

This WCDA First Time Homebuyer FAQ document answers common questions about Wyoming down payment assistance, explaining Home$tretch and Amortizing DPA loan terms, credit score requirements, and mandatory homebuyer education for borrowers using WCDA programs.

Eligible for: Potential and current first-time homebuyers in Wyoming who want to use WCDA funds and DPA, including borrowers with at least a 620 credit sc…

AHFC’s Down Payment Assistance resource page connects Alaska homebuyers with nonprofit partners that provide down payment and closing cost assistance for purchases financed with AHFC’s AHELP loan options. The page serves as a statewide hub, listing organizations like Cook Inlet Lending Center, Alaska Community Development Corporation, Interior Regional Housing Authority, and Tlingit-Haida Regional Housing Authority, each serving specific regions.

Eligible for: Homebuyers using AHFC’s AHELP loan option who qualify under the guidelines of participating nonprofit organizations providing down payment a…

HPAP is DC’s flagship down payment and closing cost assistance program, offering up to $202,000 in gap financing plus $4,000 in closing cost help so first-time homebuyers can afford a primary residence in the District of Columbia with far less cash upfront.

Eligible for: Head-of-household first-time homebuyers (no ownership interest in any residence in past 3 years) who are very-low to moderate-income by DHCD…

RIHousing’s First-time Homebuyer Mortgage is the core state-backed first-lien product that pairs low, fixed rates with optional down payment assistance so Rhode Islanders can finance up to 100% of a reasonably priced home.

Eligible for: First-time homebuyers purchasing an owner-occupied home in Rhode Island who meet RIHousing income and purchase-price limits (with example th…