Explore O Grants Nationwide

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…

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…

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…

Columbia’s Homeownership Assistance Program offers $10,000–$20,000 in zero-interest, forgivable loan assistance to help first-time buyers cover down payment and closing costs on a home within city limits. The program targets low- to moderate-income households and pairs HUD income limits, purchase price caps, and property inspections with required homebuyer counseling.

Eligible for: Low- to moderate-income first-time homebuyers (with some exceptions such as displaced homemakers) purchasing an eligible home within Columbi…

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 …

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…

MHDC’s Homebuyer Programs (First Place, Next Step and the Mortgage Credit Certificate) help Missouri first-time and repeat buyers bridge the gap between savings and the cash needed to close. By combining affordable interest rates, down payment assistance and a federal tax credit option, these programs make homeownership more attainable for income-eligible buyers across the state.

Eligible for: First-time and repeat homebuyers (depending on program), typically must purchase a primary residence in Missouri, meet MHDC income and purch…

The City of Springfield Down Payment Assistance Program provides no-interest second-mortgage funds to help first-time homebuyers cover upfront down payment and closing costs. Targeted to income-eligible households, the program leverages HUD funding to make homeownership more accessible within Springfield city limits.

Eligible for: First-time homebuyers purchasing an owner-occupied home within Springfield city limits, with household income at or below roughly 80% of the…

DevNW’s Springfield Downpayment Assistance Program offers up to $25,000 in no-interest down payment and closing-cost assistance to first-time homebuyers, making it one of the most visible Springfield-specific DPA options for lower-income households.

Eligible for: First-time homebuyers (no homeownership in past 3 years) purchasing an eligible single-family or manufactured home on owned land within Spri…