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.

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296 active programs listed • Updated daily • All 50 states + DC

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Latest opportunities (296)

Homebuyer Dream Program® Suite

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Federal Home Loan Bank of New YorkNJFirst-Time HomeownerFederal Home Loan Bank of New York grant suite delivered through member banks and credit unions that provides non-repayable funds for down payment, closing costs, and homebuyer education, with enhanced funding available through a layered HDP Plus option.

Updated: Dec 6, 2025

Up to $30K (or $60K layered) in grant funding for down payment and closing cost assistance, specifically tailored for first-time buyers in NY/NJ region.

Eligible for: First-time homebuyers in the FHLBNY district (New York & New Jersey) earning up to 80% AMI (or 120% for HDP Plus), must complete homebuyer c…

Funding: Provides grant assistance up to 30,000 dollars per household for down payment, closing costs, and eligible pre-purchase expenses, with the potential to access up to 60,000 dollars in combined funding when the HDP Plus option is layered with other qualified resources, all structured as grants that do not require repayment if program conditions are met.Deadline: Rolling / while funding is available; layering allows up to $60K. RollingMulti-state (New York and New Jersey – FHLBNY district)homebuyerfirst-time homebuyerlow-income homebuyermoderate-income homebuyerNew York homebuyerNew Jersey homebuyerdown payment assistanceclosing cost assistancegrantlayered assistanceregional programhomebuyer education required

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Homebuyer Assistance – NJ 2-1-1 Partnership Resource Listing

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NJ 2‑1‑1 PartnershipNJFirst-Time HomeownerStatewide online resource directory maintained by the NJ 2-1-1 Partnership that connects prospective homebuyers with local down payment, closing cost, and other homeownership assistance programs rather than providing direct grant funding itself.

Updated: Dec 6, 2025

A state-wide resource listing via NJ 2-1-1 connecting homebuyers to local down payment & closing cost assistance programs in New Jersey.

Eligible for: First-time or income-eligible homebuyers in New Jersey directed to local assistance resources via NJ 2-1-1 directory.

Funding: This listing does not provide a single standardized award; instead it catalogs multiple New Jersey down payment and closing cost assistance programs whose grant or loan amounts, terms, and availability vary by administering agency and location.Deadline: Varies by programVariesStatewide (New Jersey)homebuyerfirst-time homebuyerNew Jersey homebuyerhousing counselorservice providerresource hubprogram directorydown payment assistance referralsclosing cost assistance referralsstatewide information service

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State of New York Mortgage Agency (SONYMA) Homebuyer Programs

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State of New York Mortgage Agency (SONYMA) under New York State Homes & Community Renewal (HCR)NYFirst-Time HomeownerState of New York Mortgage Agency (SONYMA) suite of 30-year fixed-rate mortgage products paired with low-down-payment options and down payment and closing cost assistance for first-time buyers across New York State.

Updated: Dec 6, 2025

Comprehensive suite of mortgage and down payment assistance programs for first-time buyers in New York State.

Eligible for: First-time homebuyers (defined as no ownership in past three years), purchasing 1–4 family, condo or coop in NY State, must meet income & cr…

Funding: Provides access to competitive, fixed-rate SONYMA mortgages in combination with various down payment and closing cost assistance options whose exact dollar amounts and structures vary by specific SONYMA program, but are designed to reduce upfront cash-to-close and monthly payment burdens for eligible New York buyers.Deadline: Rolling depending on specific program; funds available via participating lenders.RollingStatewide (New York)homebuyerfirst-time homebuyerveteran homebuyerlow-income homebuyermoderate-income homebuyerNew York homebuyerlow-interest mortgagedown payment assistanceclosing cost assistancestate programfirst-time buyer programtarget area incentives

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HomeFirst Down Payment Assistance Program

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New York City Department of Housing Preservation & Development (HPD)NYFirst-Time HomeownerNew York City Department of Housing Preservation & Development (HPD) program providing large, forgivable or low-interest down payment and closing cost assistance to first-time buyers through a subordinate loan layered with a primary mortgage.

Updated: Dec 6, 2025

Unlock up to $100K in downpayment or closing-cost assistance for qualified first-time buyers purchasing 1–4-unit homes, condos or co-ops in NYC’s five boroughs.

Eligible for: Prospective first-time homebuyer in one of NYC’s five boroughs (1–4 unit home, condo or coop), must complete approved homebuyer education, c…

Funding: Offers up to 100,000 dollars, capped at 20 percent of the home’s purchase price, in assistance that can be applied toward down payment or closing costs, structured as a subordinate loan that may be forgiven over time when the buyer meets long-term owner-occupancy and other program requirements.Deadline: First-time homebuyer program; must apply while funds available (applicant must complete education and use approved lender) RollingCity (New York City – five boroughs)homebuyerfirst-time homebuyerlow-income homebuyermoderate-income homebuyerNew York homebuyerNew York City homebuyerdown payment assistanceclosing cost assistancelarge assistance amountcity programsubordinate loanforgivable loanhomebuyer education required

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Homebuyer & Homeowner Resources Program

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City of Schenectady Housing & Neighborhoods DepartmentNYFirst-Time HomeownerMunicipal program that combines down payment and closing cost assistance with rehabilitation support for eligible first-time homebuyers and owner-occupants purchasing within the City of Schenectady.

Updated: Dec 6, 2025

Municipal homebuyer assistance program offering funding for down payment/closing costs and rehabilitation to support first-time buyers purchasing within the city.

Eligible for: First-time homebuyer, owner‐occupant purchaser, income limits (often ≤ 80% AMI) purchasing a home in Schenectady.

Funding: Offers down payment and closing cost assistance typically up to around 10,000 dollars, with some program configurations allowing assistance up to about 20,000 dollars when rehabilitation or additional underwriting support is included.Deadline: Rolling / until funds exhaustedRollingCity (Schenectady, New York)homebuyerfirst-time homebuyerlow-income homebuyermoderate-income homebuyerNew York homebuyerSchenectady homebuyerdown payment assistanceclosing cost assistancerehab assistancecity programgrant or deferred loanneighborhood revitalization

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First-Time Homebuyers Program

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Family First Federal Credit UnionNYFirst-Time HomeownerCredit union homebuyer program that pairs low-interest first mortgages with access to State of New York Mortgage Agency (SONYMA) and other products that may include down payment and closing cost assistance for first-time buyers.

Updated: Dec 6, 2025

Credit union home-buyer assistance program offering low-interest first mortgages paired with down payment/closing cost support for first-time buyers in New York State.

Eligible for: First-time homebuyer, must use Family First FCU as lender partner, property in NY, eligible loan type (Conventional, USDA, FHA, VA).

Funding: Provides access to low-interest mortgage financing combined with down payment and closing cost assistance options where available through SONYMA and related programs, with exact dollar amounts depending on the loan product and assistance option selected rather than a single fixed grant level.Deadline: Rolling / as funds availableRollingRegional (New York State areas served by Family First Federal Credit Union)homebuyerfirst-time homebuyerNew York homebuyercredit union memberlow-interest mortgagedown payment assistanceclosing cost assistancecredit union programSONYMA partner

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First-Time Homebuyer Grant Program

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Community Housing InnovationsNYFirst-Time HomeownerNonprofit-administered grant program that provides first-time buyers in Community Housing Innovations service area with grant funds for down payment, closing costs, and eligible rehabilitation, paired with homebuyer education and counseling.

Updated: Dec 6, 2025

A regional homebuyer assistance grant program offering funding not only for down payment and closing costs but also for rehabilitation of the purchased home, thereby supporting sustainable homeownership across the Hudson Valley and Long Island.

Eligible for: First-time homebuyers in CHI’s service region, must attend orientation/homebuyer education, meet income/credit limits, purchase eligible pro…

Funding: Provides grant assistance that can be applied to down payment, closing costs, and qualifying rehabilitation work, with specific award amounts and terms varying by funding source, county, and buyer profile rather than a single fixed cap.Deadline: First-come, first-served until funds exhaustedRollingMulti-county (Westchester, Nassau, Suffolk and Dutchess Counties, New York)homebuyerfirst-time homebuyerlow-income homebuyermoderate-income homebuyerNew York homebuyerdown payment assistanceclosing cost assistancerehab assistancegrantnonprofit programregional programhomebuyer education required

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NYS First-Time Homebuyer Grant Program

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Community Development Long Island (CDLI)NYFirst-Time HomeownerRegional first-time homebuyer program that provides a large deferred-payment loan, secured by note and mortgage, to cover down payment and closing costs for eligible buyers in Nassau and Suffolk counties.

Updated: Dec 6, 2025

Long Island-based grant/loan program helping eligible first-time buyers cover down payment and closing costs to make homeownership more accessible.

Eligible for: First-time homebuyers, income ≤ 120% AMI, must secure fixed-rate mortgage through NYS approved lender, property in Nassau or Suffolk County,…

Funding: Offers a deferred loan of up to approximately 75,000 dollars that can be used toward down payment and closing costs, with repayment terms and affordability conditions defined in the program note and mortgage documents.Deadline: While funds availableRollingCounty-level (Nassau and Suffolk Counties, New York)homebuyerfirst-time homebuyerlow-income homebuyermoderate-income homebuyerNew York homebuyerLong Island homebuyerdown payment assistanceclosing cost assistancedeferred loanregional programLong Island program

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Homebuyer Assistance Program – Pennsylvania Home Grant Center

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Pennsylvania Homebuyer Assistance CenterPAFirst-Time HomeownerOnline resource hub that aggregates and explains multiple Pennsylvania down payment and closing cost assistance programs rather than issuing assistance directly.

Updated: Dec 6, 2025

A centralized resource hub listing multiple down payment and closing cost assistance options for Pennsylvania first-time homebuyers including match grants, forgivable second-mortgage loans, employer-assisted housing programs.

Eligible for: First-time homebuyers in Pennsylvania, income/purchase-price limits apply, must complete homebuyer education and use approved lenders.

Funding: Highlights common assistance levels across featured programs, such as up to 5000 dollars in matching funds through First Front Door, up to 10000 dollars in no interest down payment and closing cost assistance through HOMEstead, and up to 8000 dollars or more through employer assisted housing and local grants, with exact amounts and terms determined by each program.Deadline: Rolling / funding limitedRollingStatewide (Pennsylvania)homebuyerfirst-time homebuyerlow-income homebuyermoderate-income homebuyerPennsylvania homebuyerdown payment assistanceclosing cost assistancematch grantforgivable loansecond mortgageprogram directoryhomebuyer education required

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Homebuyers Start Here – Pennsylvania Housing Finance Agency (PHFA)

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Pennsylvania Housing Finance Agency (PHFA)PAFirst-Time HomeownerState housing finance agency program that offers 30 year fixed rate mortgages paired with down payment and closing cost assistance delivered as zero interest or forgivable second mortgages.

Updated: Dec 6, 2025

Statewide agency providing a suite of mortgage, down payment assistance and closing cost aid programs for Pennsylvania homebuyers.

Eligible for: Eligible homebuyers across Pennsylvania, must meet credit/income/purchase-price criteria, complete counseling if credit < 680.

Funding: Provides down payment and closing cost assistance typically up to about 6000 dollars through programs such as Keystone Advantage or other PHFA second mortgage options, with some sub programs offering higher amounts or different structures depending on funding source.Deadline: Rolling / funds availableRollingStatewide (Pennsylvania)homebuyerfirst-time homebuyerlow-income homebuyermoderate-income homebuyerPennsylvania homebuyerdown payment assistanceclosing cost assistancesecond mortgageforgivable loanstate housing finance agencylow interest mortgagehomebuyer education required

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Pennsylvania First-Time Homebuyer Assistance Programs – FHA.com overview

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Federal Housing AuthorityPAFirst-Time HomeownerConsumer information page that summarizes and compares multiple Pennsylvania first time homebuyer assistance programs rather than providing funds directly.

Updated: Dec 6, 2025

Marketplace overview listing key assistance programs for Pennsylvania first-time buyers including down payment/closing cost grants and low-interest mortgage options.

Eligible for: First-time homebuyers in Pennsylvania, must meet program’s criteria (income, credit, purchase-price, location), variety of statewide loan/as…

Funding: Describes typical benefit ranges for Pennsylvania programs, such as grants or second mortgages that may cover a few thousand dollars of down payment or up to around five percent of the purchase price, with exact assistance set by the underlying state or local program rather than FHA.com.Deadline: Rolling / based on programRollingStatewide (Pennsylvania)homebuyerfirst-time homebuyerPennsylvania homebuyerdown payment assistanceclosing cost assistanceinformation hubprogram comparisonstate programsfirst-time buyer resources

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Homebuyer Assistance Program – PA Homebuyer Assistance Center

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Pennsylvania Homebuyer Assistance CenterPAFirst-Time HomeownerOnline intake and referral platform that screens Pennsylvania buyers and connects them to suitable down payment, closing cost, and related assistance programs across the state.

Updated: Dec 6, 2025

A comprehensive directory and access point to multiple homebuyer assistance and grant programs across Pennsylvania, including down payment & closing cost help.

Eligible for: First-time homebuyers (or as defined per local program), income/purchase price/credit requirements apply in Pennsylvania

Funding: Assistance amounts vary by underlying program and may include several thousand dollars in down payment or closing cost support, forgivable or deferred second mortgages, and local grant funds, with specific dollar amounts determined once a buyer is matched to a particular program.Deadline: Rolling / funding dependent RollingStatewide (Pennsylvania)homebuyerfirst-time homebuyerlow-income homebuyermoderate-income homebuyerPennsylvania homebuyerdown payment assistanceclosing cost assistanceprogram directoryintake and referralstate programshomebuyer education support

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Latest opportunities (296)