Explore First Time Homeowner Grants Nationwide

Extra Assistance is RIHousing’s flexible second-mortgage product that can add up to 6% of the purchase price (capped at $20,000) on top of a RIHousing loan to cover down payment and closing costs.

Eligible for: First-time homebuyers purchasing a 1–4 family home or condominium in Rhode Island who have at least a 620–660 credit score, meet RIHousing i…

SD Housing’s Available Homebuyer Programs hub introduces first-time and repeat buyers to affordable mortgage options, down payment and closing cost assistance, the Governor’s House Program, and homebuyer education resources statewide.

Alaska Housing Finance Corporation’s First-Time Homebuyer Loans program offers two primary mortgage options—First Home and First Home Limited—designed to give first-time buyers reduced interest rates and more affordable homeownership across Alaska. Borrowers work with approved lenders and can pair these loans with other AHFC options like energy-efficiency interest rate reductions and veterans’ preferences.

Eligible for: First-time homebuyers who have not owned a primary residence in the last three years (with targeted-area and qualified-veteran exceptions), …

Cook Inlet Lending Center’s NAHI and Home$tart grants are large, forgivable-style down payment assistance grants that can provide eligible Alaska homebuyers with $15,000–$25,000 to cover down payment, closing costs and prepaid expenses, significantly reducing the cash needed to become a homeowner.

Eligible for: For NAHI: Alaska Native, American Indian or Native Hawaiian homebuyers below ~80% of NAHASDA AMI who will owner-occupy a 1–4 unit property, …

VHFA’s homebuyer programs pair low, fixed-rate MOVE, MOVE MCC, and ADVANTAGE mortgages with ASSIST down payment assistance, giving Vermont buyers up to $10,000 in 0%-interest, deferred funds to cover down payment and closing costs.

Eligible for: First-time and repeat Vermont homebuyers using VHFA MOVE, MOVE MCC, or ADVANTAGE loans who meet VHFA income and purchase price limits, have …

AHFC’s Home Opportunity Program (HOP) channels HUD HOME funds through nonprofit intermediaries to provide down payment, closing cost and mortgage buydown assistance for low-income Alaskans buying their primary residence. The program targets households under 80% of area median income and is designed to bridge the affordability gap in Alaska’s higher-cost markets.

Eligible for: Low-income homebuyers (generally ≤80% of area median income) who do not already own a home, will occupy the property as their primary reside…

New Castle County’s Down Payment & Settlement Assistance (DPS) Program offers income-qualified buyers up to $10,000 in deferred, low-cost loan funds to help with down payment and closing costs when buying a home in the county.

Eligible for: Low- and moderate-income households purchasing a home in New Castle County who need help covering customary down payment and settlement char…

Alaska Community Development Corporation’s Home Opportunity Program (HOP) delivers substantial down payment, closing cost and mortgage buydown assistance to low-income homebuyers across most of Alaska, with loans structured as zero-interest and partially forgivable to make ownership truly affordable.

Eligible for: Low-income households (≤80% of HUD area median income) in eligible Alaska communities who do not own another home, will occupy the property …

DC4ME pairs a below-market-rate mortgage with optional 3% down payment assistance, giving eligible DC government employees a powerful way to reduce both interest costs and upfront cash needed to buy a home in the District.

Eligible for: At least one borrower must be a current full-time DC government employee (including qualifying instrumentalities, independent agencies and D…

This HPAP detail page lays out who qualifies, how much assistance is available, and the exact steps to apply, making it a key reference for first-time DC buyers trying to understand income limits, contribution requirements and loan repayment terms.

Eligible for: Must be head of household, a first-time homebuyer, very-low to moderate-income by DHCD standards, have no ownership interest in residential …

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…

NeighborWorks of Western Vermont’s Down Payment Assistance Loan provides up to $50,000 as a second mortgage to help Vermonters cover down payment and closing costs, pair with a partner lender’s first mortgage, and often achieve 100% financing with no PMI.

Eligible for: Qualified homebuyers purchasing in Vermont who work with one of NeighborWorks of Western Vermont’s partner lenders, meet the organization’s …