Explore First Time Homeowner Grants Nationwide

Maui County’s First-Time Home Buyer’s Down Payment Assistance Program provides grant assistance up to $30,000 or 5% of the purchase price to help low- to above-moderate income first-time buyers cover down payment and closing costs on eligible properties in the county.

Eligible for: First-time homebuyers who are County of Maui residents at time of application, U.S. citizens or resident aliens, at least 18, with household…

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

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…

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 …

Honolulu’s Down Payment Loan Program provides up to $40,000 in 0% interest assistance so low- and moderate-income first-time buyers can meet lender down-payment requirements and qualify for a mortgage.

Eligible for: Prospective homebuyers who do not currently own a primary residence, whose household income is under published limits, who secure a first-mo…

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…

The Auburn–Lewiston Consortium Homebuyer Loan Program uses HOME funds to pair matched savings with a long-term, interest-free loan so low- and moderate-income buyers can afford market-rate homes in either city while meeting strict affordability and occupancy standards.

Eligible for: Low- and moderate-income households with income below 80% of area median who have minimum household income of $25,000 (or $20,000 with USDA …

MaineHousing’s flagship First Home Loan Program offers low fixed-rate mortgages for Maine first-time buyers, with little or no down payment required and an optional $5,000 Advantage grant to cover closing costs and up-front cash needs.

Eligible for: Primarily first-time homebuyers (no ownership in a principal residence in the last 3 years) with minimum 640 credit score, within MaineHousi…

CapEd Credit Union’s First-Time Homebuyer page aggregates multiple Idaho focused products including a zero down Educational Community 100 percent Loan, the CapEd Home Affordable Mortgage Program, and an Idaho first time homebuyer savings account that together help members get into a home with minimal upfront cash

Eligible for: Primarily first time homebuyers who are CapEd members or eligible to join, including educators and education community workers for the Educa…

The City of Billings First-Time Home Buyer Program offers a 0% interest, deferred loan of up to $15,000 that helps income-eligible households cover the up-front cash needed to buy their first home.

Eligible for: Low-income first-time homebuyers purchasing a home within the City of Billings whose household income is at or below 80% of HUD Area Median …

NIFA’s HBA program provides a low-interest second mortgage covering up to 5% of the purchase price for down payment & closing costs.

Eligible for: First-time buyers meeting NIFA income & purchase limits; must use NIFA first mortgage