Explore First Time Homeowner Grants Nationwide

State-level mortgage and down payment / closing cost assistance via NHHFA, including low downpayment options and cash assistance up to $15,000.

Eligible for: First-time and moderate-income homebuyers, income and purchase price limits apply, must use approved lenders

SENCA offers DPA loans + rehab grants to support safe, affordable homeownership in SE Nebraska.

Eligible for: First-time buyers under 80–100% AMI purchasing in SENCA counties & completing homebuyer education

Official brochure detailing Honolulu’s 0% Down Payment Loan Program, which offers up to $40,000 in HOME-funded assistance to help first-time buyers cover down payment requirements.

Eligible for: Income-qualified households who do not own a primary residential property, stay under the program’s household income limits, complete approv…

Local Eastern Panhandle HOME Consortium program administered by Martinsburg that provides a forgivable, zero-interest down payment assistance loan to low- to moderate-income first-time buyers in the region.

Eligible for: First-time homebuyers in Martinsburg, Berkeley, Jefferson or Morgan Counties whose gross household income does not exceed 80% of area median…

Statewide West Virginia mortgage program offering low-interest 30-year fixed-rate loans and optional down payment assistance to make first-time homeownership more affordable for income-eligible buyers.

Eligible for: Primarily first-time homebuyers purchasing an owner-occupied home in West Virginia who meet county income and purchase price limits and, in …

Interest-free, deferred DPA loans supporting first-time buyers in Lincoln.

Eligible for: Low- to moderate-income first-time buyers purchasing within Lincoln

Idaho Central Credit Union’s First-Time Homebuyer Programs page highlights multiple mortgage options that can offer little to no money down, including 100 percent financing and extended term loans tailored for lower and middle income first time buyers across Idaho

Eligible for: First time and returning homebuyers who qualify for ICCU mortgage underwriting, including lower and middle income borrowers purchasing an ow…

The Homebuyers hub introduces Montana Board of Housing’s suite of affordable mortgage options and highlights that buyers can combine a low fixed-rate home loan with down payment and closing cost assistance to make purchasing a home more attainable.

Eligible for: Prospective Montana homebuyers who plan to occupy the home as their primary residence, can qualify for a Montana Board of Housing loan throu…

Statewide Idaho down payment assistance program that layers a second mortgage on top of an Idaho Housing first mortgage to cover most or all of the required down payment and closing costs while helping buyers preserve savings

Eligible for: Eligible Idaho homebuyers using an Idaho Housing first mortgage, meeting program underwriting and household income limits and completing app…

NWNEN offers a 0% interest DPA loan to help low-income buyers bridge upfront costs.

Eligible for: Income-eligible buyers who contribute $1,000, complete education & purchase in service area

Statewide program offering below-market 30-year mortgages plus a 4% second-mortgage DPA option to help Hawaiʻi first-time buyers bridge their down payment gap.

Eligible for: First-time homebuyers who are U.S. citizens or resident aliens, bona fide Hawaiʻi residents, at least 18, within county income and purchase …

Kauaʻi’s Home Buyer Loan Program offers low-cost loans to qualified first-time buyers meeting Kauaʻi Median Household Income limits, pairing required homebuyer education with affordable financing for primary residences on the island.

Eligible for: First-time homebuyers who are U.S. citizens or resident aliens, at least 18, Kauaʻi residents or given preference as such, within Kauaʻi Med…