Explore O Grants Nationwide

Statewide homeownership hub where LHC connects Louisiana buyers, lenders, and Realtors to its menu of affordable mortgages, down payment assistance, and tax-credit programs.

Eligible for: Low- to moderate-income Louisiana homebuyers purchasing a primary residence in the state who meet program-specific income and purchase-price…

RootedHomes’ Homebuyers Program combines community land-trust homeownership with generous, targeted down payment assistance—up to $60,000 or 20% of the purchase price for qualifying first-generation veteran buyers—to keep homes permanently affordable in fast-growing Central Oregon markets like Bend, Redmond and Sisters.

Eligible for: First-time homebuyers in Deschutes County (often with income at or below 80% AMI, with select opportunities up to 120% AMI) who do not own o…

Parish-specific LHC program that offers 100% financing plus up to 3% in closing-cost assistance for first-time buyers in Delta parishes, targeting households with limited credit and savings.

Eligible for: Low- to moderate-income first-time homebuyers purchasing a single-family home in one of the designated Delta parishes; borrowers must meet L…

Statewide homeownership hub that connects Alabama buyers to below-market 30-year fixed-rate mortgages, down payment assistance, and closing-cost grants through AHFA’s First Step, Step Up, and grant add-ons.

Eligible for: Low- to moderate-income homebuyers in Alabama who meet program income, credit, and purchase-price limits, complete homebuyer education, and …

Ready to Own Birmingham is the city’s flagship down payment assistance program, providing up to $10,000 in 0% forgivable assistance to help eligible buyers cover down payment, closing costs, and interest-rate buydowns when purchasing a home inside the Birmingham city limits.

Eligible for: Homebuyers purchasing within Birmingham city limits who have at least a 600 credit score, meet HUD 80% AMI income limits, complete homeowner…

KHC’s Down Payment Assistance page explains how the Down Payment Assistance Program (DAP) helps buyers cover down payment, closing costs and prepaids that often block first-time and moderate-income homebuyers from purchasing a home.

Eligible for: Kentucky homebuyers using a KHC first-mortgage loan who meet KHC income limits, credit and underwriting guidelines, and purchase an owner-oc…

Minneapolis’ down payment assistance loan provides $10,000–$20,000 in gap financing for income-qualified first-time homebuyers in the city, based on household AMI, to cover down payment and closing costs.

Eligible for: First-time homebuyers purchasing a primary residence in Minneapolis who meet income limits (≤80% or 60% AMI depending on assistance level), …

Lake Charles’ Down Payment Assistance Program uses CDBG funds to provide up to $10,000 toward down payment and closing costs, helping income-qualified first-time buyers purchase homes within city limits.

Eligible for: Low- to moderate-income first-time homebuyers purchasing an owner-occupied home within the Lake Charles city limits who meet HUD income limi…

Lexington’s First-Time Homebuyer Program connects income-eligible households to a network of nonprofit partners that provide non-repayable mortgage subsidies and 0–2% loans, helping first-time buyers bridge the gap between what they can borrow and the total cost of purchasing a home in Lexington.

Eligible for: Lower- to moderate-income first-time homebuyers who live in Lexington and are purchasing an owner-occupied home within Lexington-Fayette Cou…

Huntsville’s Home Ownership Assistance Program (HOAP) provides substantial support—up to $24,999—to help first-time buyers cover down payment, closing costs, interest-rate buydowns, or principal reductions when purchasing a home inside Huntsville city limits.

Eligible for: First-time homebuyers purchasing a primary residence within Huntsville city limits who meet HUD income limits, program underwriting standard…

Louisville’s Down Payment Assistance Program is one of Kentucky’s most generous local homebuyer initiatives, offering an interest-free second mortgage of up to 20% of the purchase price (maximum $40,000) to help income-qualified buyers cover down payment and closing costs on primary residences in the Louisville Metro area.

Eligible for: Low- to moderate-income buyers purchasing an existing or newly constructed primary residence in the Louisville Metro area, with household in…

This partner-facing page shows lenders how KHC’s down payment assistance and home buyer tax credits work together to make homeownership possible and more affordable for Kentuckians who might otherwise be priced out.

Eligible for: Designed for KHC lending partners originating KHC loans for Kentucky homebuyers; borrowers must qualify for KHC first-mortgage programs, mee…