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)
Clayton County Community Development / Clayton GrantsGAFirst-Time HomeownerClayton County HUD funded down payment assistance provided as a 0 percent interest deferred soft second mortgage that covers part of the buyer's down payment and closing costs and is forgiven after a required owner occupancy period.
Updated: Dec 6, 2025
County-level down payment assistance program providing up to $10,000–$15,000 in interest-free, forgivable “soft second” financing to help income-eligible first-time buyers purchase homes in Clayton County.
Eligible for: First-time homebuyers (or those who have not owned a home in the last 3 years) purchasing an owner-occupied home in Clayton County with a ma…
Gwinnett County Housing and Community DevelopmentGAFirst-Time HomeownerGwinnett County HUD funded Homestretch down payment assistance offered as a zero percent interest five year deferred second mortgage that is fully forgiven after five years of continuous owner occupancy.
Updated: Dec 6, 2025
County-level down payment assistance program offering up to $10,000 in a zero-interest deferred loan to help first-time buyers purchase homes in Gwinnett County.
Eligible for: First-time homebuyers purchasing an affordable home in Gwinnett County within program purchase price limits; must complete an eight-hour HUD…
Atlanta HousingGAFirst-Time HomeownerAtlanta Housing community second down payment assistance structured as a zero percent interest subordinate subsidy loan that helps cover down payment and closing costs and is typically forgiven after a required owner occupancy period.
Updated: Dec 6, 2025
City of Atlanta down payment assistance program providing up to $25,000 in a community second loan to help first-time homebuyers cover down payment and closing costs.
Eligible for: First-time homebuyers or those who have not owned a home in the last three years, purchasing an owner-occupied home within the City of Atlan…
State of GeorgiaGAFirst-Time HomeownerState of Georgia informational and application portal that connects eligible buyers to Georgia Dream affordable first mortgages and associated second loan down payment and closing cost assistance.
Updated: Dec 6, 2025
State portal page explaining how to start the application process for the Georgia Dream Homeownership Program, including steps to connect with an approved lender and complete homebuyer education.
Eligible for: Georgia residents who are first-time homebuyers or meet Georgia Dream exceptions, purchasing a primary residence in the state within program…
City of Columbus – Community Reinvestment / Housing DivisionGAFirst-Time HomeownerCity of Columbus first time homebuyers program that provides substantial down payment and closing cost assistance as a subordinate low or no interest loan or forgivable lien layered with an affordable first mortgage.
Updated: Dec 6, 2025
The Columbus First-Time Homebuyers Program delivers up to $30,000 in assistance to help qualified buyers cover down payment and closing costs on homes within the City of Columbus.
Eligible for: Income-eligible first-time homebuyers (no home in past 3 years) purchasing an owner-occupied home within Columbus city limits; must meet pro…
City of Augusta – Housing & Community Development DepartmentGAFirst-Time HomeownerCity of Augusta first time homebuyers program that provides local down payment and closing cost assistance as a subordinate low or no interest loan or forgivable grant tied to owner occupancy and paired with an affordable first mortgage.
Updated: Dec 6, 2025
City of Augusta’s First-Time Homebuyers Program provides up to $5,000 toward down payment and closing costs to help low- and moderate-income buyers become homeowners.
Eligible for: Income-eligible first-time homebuyers (no home ownership in the past 3 years) purchasing an owner-occupied home within Augusta city limits; …
North Carolina Housing Finance AgencyNCFirst-Time HomeownerNC Home Advantage Mortgage pairs thirty year fixed rate FHA, VA, USDA, and conventional loans with built in down payment assistance that is structured as a subordinate second loan and may be forgiven according to program rules.
Updated: Dec 6, 2025
NCHFA’s NC Home Advantage Mortgage™ program offers affordable fixed-rate mortgages with built-in down payment assistance for first-time and repeat buyers across North Carolina.
Eligible for: First-time and move-up home buyers in North Carolina who meet NC Home Advantage Mortgage™ credit, income, and purchase-price requirements an…
North Carolina Housing Finance Agency (NCHFA)NCFirst-Time HomeownerFlat fifteen thousand dollar zero percent interest deferred second mortgage that is forgiven over years eleven through fifteen when the buyer keeps the home as a primary residence.
Updated: Dec 6, 2025
North Carolina’s NC 1st Home Advantage Down Payment program provides a flat $15,000 in down payment help for qualifying first-time buyers and veterans using an NC Home Advantage Mortgage™.
Eligible for: First-time home buyers and eligible military veterans in North Carolina who qualify for an NC Home Advantage Mortgage™, meet income and purc…
City of Raleigh Housing & Neighborhoods DepartmentNCFirst-Time HomeownerCity of Raleigh zero interest deferred payment second mortgage that covers down payment and closing costs up to forty five thousand dollars in most areas of the city and up to sixty thousand dollars in designated target areas.
Updated: Dec 6, 2025
Raleigh’s Homebuyer Assistance Program offers up to $45,000–$60,000 in zero-interest deferred loans to help first-time buyers overcome down payment and closing cost barriers.
Eligible for: First-time homebuyers purchasing an owner-occupied home within Raleigh city limits who meet income limits, property price caps, and credit g…
City of Durham Community Development DepartmentNCFirst-Time HomeownerCity of Durham down payment and closing cost assistance structured as a zero percent interest forgivable loan that can provide up to eighty thousand dollars for qualified first time buyers.
Updated: Dec 6, 2025
Durham’s Down Payment Assistance Program provides up to $80,000 in 0% interest forgivable assistance to help first-time buyers purchase homes within the city.
Eligible for: First-time homebuyers purchasing a primary residence within Durham city limits who meet HUD-based income limits, property and purchase-price…
City of Greensboro – Housing & Neighborhood Development / Housing Connect GSONCFirst-Time HomeownerCity of Greensboro forgivable zero percent interest subordinate loans that provide tiered down payment and closing cost assistance for income eligible first time buyers, public service heroes, and #100Homes participants within city limits.
Updated: Dec 6, 2025
A multi-tiered down payment and closing cost assistance program in Greensboro offering up to $25,000–$30,000 in forgivable support for first-time homebuyers and public service professionals.
Eligible for: First-time homebuyers (or those who have not owned in 3 years) purchasing a primary residence within Greensboro city limits; must meet incom…
Housing Finance Authority of Hillsborough CountyFLFirst-Time HomeownerCounty-level Housing Finance Authority program that pairs a fixed-rate first mortgage with a 0% interest, deferred second mortgage to provide down payment and closing cost assistance for income-eligible first-time buyers in Hillsborough County.
Updated: Dec 6, 2025
County-level down payment assistance via a 0% interest second mortgage that helps first-time buyers in Hillsborough County cover down payment and closing costs.
Eligible for: First-time homebuyers in Hillsborough County (with some exceptions in HUD-targeted areas); must purchase and occupy a primary residence in H…