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
Browse by state
Jump straight to state-specific first time homeowner programs.
Latest opportunities (296)
Pathway to Home Closing Cost Assistance Grant Program
Temporarily ClosedCalifornia Association of REALTORSCAFirst-Time HomeownerStatewide closing cost assistance provided as a non repayable grant funded through the California Association of Realtors Housing Affordability Fund in partnership with a nonprofit administrator.
Updated: Dec 6, 2025
A grant program to assist first-time homebuyers in underserved communities with closing costs, up to $10,000, in partnership with REALTORS.
Eligible for: First-time homebuyers from underserved communities, ≤ 120% AMI, must use California REALTOR®, no more than $20k savings post-purchase
California Housing Finance AgencyCAFirst-Time HomeownerState housing finance agency programs that offer 30 year fixed rate mortgages combined with optional down payment and closing cost assistance through junior loans and specialty products targeted at first time buyers.
Updated: Dec 6, 2025
A broad overview of CalHFA’s suite of homebuyer loan and assistance programs for first-time buyers in California.
Eligible for: First-time homebuyers, meet income/credit/homebuyer education requirements
California Dream For All Shared Appreciation Loan
Limited FundingCalifornia Housing Finance AgencyCAFirst-Time HomeownerState housing finance agency shared appreciation junior loan that provides a large portion of the down payment in exchange for repayment of the principal plus a share of future home price appreciation.
Updated: Dec 6, 2025
A down payment assistance program for first-time buyers, providing a junior loan up to 20% of purchase price, repayable at sale/transfer with share of home appreciation.
Eligible for: First-time homebuyers, in conjunction with CalHFA first mortgage, shared appreciation required
CalHome Program
OpenCalifornia Department of Housing and Community DevelopmentCAFirst-Time HomeownerState program that provides grants to local public agencies and nonprofit corporations which in turn offer deferred payment loans and related assistance to low and very low income homeowners and first time homebuyers.
Updated: Dec 6, 2025
Enables first-time homebuyers and homeowners in need of rehab to access affordable homeownership or preserve owner-occupied housing.
Eligible for: Local public agencies and nonprofit corporations apply; assists individual homeowners via deferred loans
California Department of Housing & Community DevelopmentCAFirst-Time HomeownerState administered disaster recovery homebuyer assistance that uses forgivable zero interest second mortgage loans funded by federal disaster and mitigation dollars to close the affordability gap for disaster impacted households.
Updated: Dec 6, 2025
A disaster-recovery homebuyer assistance program providing forgivable second-mortgage loans to help disaster-impacted households bridge the affordability gap when buying a home.
Eligible for: Low- and moderate-income renters or homeowners impacted by qualified disasters (e.g., 2017–20 wildfires or 2023/24 floods) in specified coun…
First Time Home Buyer Pros (affiliate)First-Time Homeowner
Updated: Nov 20, 2025
A nationwide down payment assistance program offering up to 3.5% forgivable grant/loan for down payment or closing costs, available in all states except Washington.
Eligible for: First-time homebuyers; must qualify for an FHA loan; credit score minimum 620; property must be 1-2 unit single family or manufactured home …
Broward County Housing Finance DivisionFLFirst-Time Homeowner
Updated: Nov 20, 2025
Provides deferred-payment loan assistance for eligible first-time homebuyers in Broward County to help cover down payment, closing costs, or interest-rate buy-down.
Eligible for: Qualified first-time homebuyers (income-eligible, primary residence, HUD homebuyer education course)
Miami-Dade County Housing & Community DevelopmentFLFirst-Time Homeowner
Updated: Nov 20, 2025
assists eligible homebuyers in Miami-Dade County with a no-interest deferred loan for down payment to purchase first home.
Eligible for: First-time homebuyers; income limits: individuals <$95,620; couples <$109,200; 3-person household <$122,920; 4-person household <$136,500; m…