Explore First Time Homeowner Grants Nationwide

This Utah Housing Corporation FAQ document lays out the official rules for the First-time Homebuyer Assistance Program, clarifying how the 0% soft-second loan works, who qualifies, and how much assistance is available for Utah first-time buyers.

Eligible for: First-time homebuyers (as defined in SB 240 and IRS rules) purchasing a qualifying residential unit in Utah—new construction or newly built …

CARD’s Down Payment Assistance program offers up to 5% of the purchase price (max $5,000) to help first-time buyers in northeast Oklahoma cover down payment and closing costs, coupled with mandatory homebuyer education to support long-term homeownership success.

Eligible for: Individuals and families purchasing new or existing homes in CARD’s service area (northeast Oklahoma) who meet HUD income guidelines, are fi…

Wichita’s HOMEownership 80 Program offers substantial down-payment and closing-cost assistance to first-time buyers purchasing new construction homes in targeted neighborhoods, using federal HOME funds administered by the City.

Eligible for: First-time homebuyers purchasing newly constructed single-family homes in designated HOMEownership 80 Assistance Areas within Wichita, who m…

Little Rock’s Down Payment Assistance Program uses local funds to provide up to 6% of the purchase price (capped at $10,000) in assistance so low- and moderate-income first-time buyers can purchase and occupy homes within the city.

Eligible for: Low- and moderate-income first-time homebuyers purchasing owner-occupied residential properties within the city limits of Little Rock; must …

Time To Own is Connecticut’s flagship forgivable down payment and closing cost assistance loan, offering 0% interest and generous forgiveness terms to help first-time buyers overcome the biggest upfront barrier to buying a home.

Eligible for: Available only in conjunction with a CHFA first mortgage. Applicants must be current Connecticut residents with at least 3 years of recent C…

Provo’s Down Payment Assistance Loan Programs—Home Purchase Plus and Loan to Own—offer substantial 0% interest, deferred-payment second mortgages of up to $60,000 or $40,000 to help first-time homebuyers in Provo and across much of Utah County cover down payment and closing costs while keeping monthly payments affordable.

Eligible for: First-time homebuyers with household incomes at or below 80% of Area Median Income purchasing an owner-occupied home. Home Purchase Plus is …

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…

The StartSmart First-Time Home Buyer Program uses tax-exempt mortgage revenue bonds to deliver below-market interest rate 30-year loans for eligible Arkansas buyers, and can be paired with ADFA’s DPA second mortgage to significantly lower both upfront and monthly homeownership costs.

Eligible for: Designed primarily for Arkansas first-time homebuyers who have not owned a principal residence in the last three years, with exceptions for …

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’…

Bridgeport’s First Time Homebuyer Down Payment & Closing Cost Assistance Program provides forgivable down payment assistance loans up to $25,000 so income-qualified buyers can afford the upfront costs of purchasing and occupying homes in the city.

Eligible for: First-time homebuyers (no ownership in past 3 years) purchasing an owner-occupied 1–2 unit home or FHA-approved condo within the City of Bri…

Salt Lake City’s Home Buyer Programs page describes municipal initiatives—most notably the Community Shared Equity Program—that help income-qualified households purchase homes on city-controlled land with long-term affordability protections.

Eligible for: Low- to moderate-income homebuyers interested in purchasing Salt Lake City Housing Stability homes under the City’s Community Shared Equity …

Nevada Rural Housing’s Launchpad Homeownership Programs combine below-market mortgage rates with up to 5% down payment assistance to make homeownership more affordable for first-time and repeat buyers across rural Nevada, including rural parts of Clark and Washoe counties.

Eligible for: Homebuyers purchasing an owner-occupied primary residence in rural Nevada (15 rural counties plus the rural portions of Clark and Washoe), u…