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)
Florida Housing Finance CorporationFLFirst-Time HomeownerStatewide Florida Housing Hometown Heroes program that provides a 0% interest, non-amortizing second mortgage to cover down payment and closing costs for eligible frontline workers, layered on top of a Florida Housing first mortgage.
Updated: Dec 6, 2025
Dedicated to eligible frontline community workers, this program provides meaningful assistance for down payment and closing cost support to help make homeownership more attainable in Florida.
Eligible for: First-time homebuyers (or veterans/active duty) in Florida frontline occupations (e.g., education, healthcare, public safety), must purchase…
Housing Finance Authority of Pinellas CountyFLFirst-Time HomeownerMulti-county Housing Finance Authority program that pairs a fixed-rate first mortgage with a 0% interest, deferred second mortgage (Home Key Plus 2nd Mortgage) to provide down payment and closing cost assistance for eligible buyers in Pinellas, Pasco, and Polk counties.
Updated: Dec 6, 2025
Zero-interest Home Key Plus 2nd Mortgage down payment assistance for first-time homebuyers in Pinellas, Pasco, and Polk counties, paired with an HFA first mortgage.
Eligible for: First-time homebuyers, veterans, or buyers who have not owned a home in the past 3 years; minimum 660 credit score; must complete an approve…
City of Tamarac Community Development DepartmentFLFirst-Time HomeownerCity of Tamarac purchase assistance program that provides substantial subordinate mortgage financing to cover down payment and closing costs for low-, very low-, and moderate-income first-time buyers, funded through local and state housing resources.
Updated: Dec 6, 2025
City of Tamarac’s purchase assistance program providing substantial down payment and closing-cost help to first-time homebuyers purchasing within Tamarac, Florida.
Eligible for: Income-eligible first-time homebuyers purchasing a new or existing home within the City of Tamarac; household income must be at or below 120…
Florida Housing Finance CorporationFLFirst-Time HomeownerFlorida Housing HLP (Homeownership Loan Program) second mortgage that provides a fixed-rate, amortizing junior loan to supply additional down payment and closing cost assistance when layered with a Florida Housing first mortgage.
Updated: Dec 6, 2025
A second mortgage option offered to eligible Florida homebuyers that carries a fixed interest rate and is amortized over time, aimed at reducing the cost burden of purchasing a home by providing additional assistance beyond standard down payment aid.
Eligible for: Florida homebuyers, purchase in counties where program is active, must use eligible first mortgage and meet program criteria.
Osceola County Housing & Community DevelopmentFLFirst-Time HomeownerLocal SHIP-funded purchase assistance program administered by Osceola County that provides deferred, need-based loans to help eligible buyers cover down payment and closing costs when purchasing a home in the county.
Updated: Dec 6, 2025
County-level program in Osceola County offering down payment/closing cost assistance to eligible first-time homebuyers to promote homeownership in the region.
Eligible for: First-time homebuyers, income eligible, purchasing in Osceola County, must meet county program criteria.
Florida Housing Finance CorporationFLFirst-Time HomeownerFlorida Housing Assist (FL Assist) program, described here by a third-party site, that provides a 0% interest, deferred second mortgage to help eligible buyers cover down payment and closing costs when used in conjunction with a Florida Housing first mortgage.
Updated: Dec 6, 2025
A down payment assistance second mortgage up to $10,000 helps eligible Florida homebuyers cover upfront costs when paired with an eligible first mortgage product.
Eligible for: Florida homebuyers (first-time or otherwise if criteria met), must use Florida Housing first mortgage (FHA/VA/USDA/Conventional), meet incom…
Florida Housing Finance CorporationFLFirst-Time HomeownerStatewide Florida Housing Finance Corporation initiative that offers 30-year fixed-rate first mortgages through participating lenders, often paired with second-mortgage or grant-style down payment and closing cost assistance products such as Florida Assist, HFA second mortgages, and specialized programs like Hometown Heroes.
Updated: Dec 6, 2025
Statewide mortgage program offering fixed-rate first mortgages combined with optional down payment or closing cost assistance options to support first-time homebuyers in Florida.
Eligible for: First-time homebuyers in Florida, meet IRS definition (no ownership in last 3 years), county-specific income/purchase price limits, minimum …
City of Rochester Neighborhood & Business Development DepartmentNYFirst-Time HomeownerCity of Rochester grant program that provides upfront assistance for down payment and closing costs to first-time homebuyers through a conditional grant tied to long-term owner-occupancy.
Updated: Dec 6, 2025
Local grant program aimed at helping first-time homebuyers in the City of Rochester cover upfront purchase costs to increase access to homeownership.
Eligible for: First-time homebuyer, income eligibility, purchasing 1–4 family home in City of Rochester, must attend pre- and post-purchase training and c…
Town of Normal Housing & Community DevelopmentILFirst-Time HomeownerLocal down payment assistance program that offers a modest zero-interest, forgivable second loan to help income-eligible buyers cover down payment and closing costs on owner-occupied homes in the Town of Normal.
Updated: Dec 6, 2025
Local program aimed at increasing homeownership by helping qualified homebuyers with upfront costs in the Town of Normal through modest assistance and favorable loan terms.
Eligible for: Income at or below 80% AMI, home must be owner-occupied single-family within the Town of Normal, minimum contribution $1,000 remains in bank…
Homebuyer Assistance Programs
ResourceCity of Chicago Dept. of HousingILFirst-Time HomeownerCity of Chicago Department of Housing umbrella of homebuyer assistance programs that combine purchase price subsidies, down payment and closing cost help, and required homebuyer education for income-eligible buyers purchasing within city limits.
Updated: Dec 6, 2025
A suite of homebuyer assistance programs offered by Chicago that include down payment/closing cost support, purchase price subsidies and homebuyer education.
Eligible for: First-time homebuyers in Chicago, income/credit eligibility, purchase within city limits, complete homebuyer education.
City of Joliet Neighborhood Services DivisionILFirst-Time HomeownerCity-administered zero-interest, deferred-payment second mortgage that provides a percentage of the home purchase price to help eligible buyers cover down payment and closing costs on homes within Joliet city limits.
Updated: Dec 6, 2025
Local down payment assistance for eligible buyers in Joliet to reduce upfront cost barriers via city-administered program.
Eligible for: Low- to moderate-income homebuyers purchasing single-family, townhouse or condo in Joliet city limits, with minimum own fund contribution.
City of Trenton Housing & Community Dev.NJFirst-Time HomeownerMunicipal first-time homebuyer assistance program that provides substantial down payment and closing cost support through a deferred or forgivable second mortgage for eligible buyers purchasing in Trenton.
Updated: Dec 6, 2025
Municipal program providing substantial assistance to first-time buyers in Trenton to reduce barriers and promote homeownership in the community.
Eligible for: First-time homebuyers purchasing in Trenton, NJ, meeting income/purchase-price limits, attend homebuyer education and use approved lender.