Explore First Time Homeowner Grants Nationwide

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 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 …

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…

Caribou’s Section 8 HCV Homeownership Program lets eligible voucher holders convert their rental subsidy into support for a mortgage payment, creating a path from renting to owning for low-income families who can save a modest down payment and complete homebuyer education.

Eligible for: Section 8 Housing Choice Voucher recipients in Caribou who are in good standing for at least the prior year, do not owe money to any housing…

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…

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…

State-level homebuyer mortgage & downpayment/closing-cost assistance programs via Housing NM, including low upfront cash requirement and multiple DPA/loan options.

Eligible for: First-time or repeat buyers (depending on sub-program), credit score min 620, complete homebuyer counseling, income/purchase price limits ap…

Detailed HOME-funded down payment assistance program for Parkersburg/Wood County offering a forgivable loan up to $15,000 to help first-time, low- to moderate-income buyers with down payment and closing costs.

Eligible for: First-time homebuyers purchasing an eligible single-family, owner-occupied home in the City of Parkersburg or Wood County whose income does …

CHFA’s DAP loan is a statewide second-mortgage down payment assistance product that helps first-time buyers cover the gap for down payment and closing costs so they can qualify for a CHFA first mortgage and transition from renting to owning.

Eligible for: Borrower must first qualify for a CHFA first mortgage with a participating lender, demonstrate ability to repay both the first mortgage and …

ADFA’s Down Payment Assistance Loan Program layers a second mortgage of up to $15,000 on top of StartSmart or Move-Up loans so Arkansas buyers can cover most or all of their required down payment and closing costs while still benefiting from affordable fixed-rate financing.

Eligible for: Available statewide to buyers who qualify for an ADFA StartSmart or Move-Up first mortgage; households must meet the first-mortgage program’…

CHFA’s All Homebuyer Mortgage Programs page is a central hub that showcases below-market 30-year mortgages, discounted-rate options for key professions, and companion down payment assistance tools like DAP and Time To Own, making it a key SEO landing page for Connecticut first-time homebuyer programs.

Eligible for: Generally aimed at low- to moderate-income first-time homebuyers (or those not owning a home in the past three years) purchasing an owner-oc…

Jonesboro’s Homeownership Assistance Program offers up to $5,000 in closing-cost and down-payment help as a three-year forgivable lien to expand homeownership opportunities for low- and moderate-income first-time buyers within the city.

Eligible for: First-time homebuyers purchasing a home within the city limits of Jonesboro whose property meets HUD Minimum Housing Quality Standards, is n…