O Grants
Explore O Grants Nationwide
Discover active o funding across federal, state, local, and private funders. Updated daily with new programs and opportunities.
1,214 active programs listed • Updated daily • All 50 states + DC
Latest opportunities (1214)
Portland Housing BureauORFirst-Time HomeownerZero percent interest deferred payment second mortgage funded by the Portland Housing Bureau that can provide up to roughly 80000 to 100000 dollars in down payment and closing cost assistance with forgiveness potential after about 15 years of compliant owner occupancy.
Updated: Dec 6, 2025
The Portland Down Payment Assistance Loan (DPAL) is a heavily subsidized second-mortgage program administered by the Portland Housing Bureau that gives first-time buyers up to six figures in 0% interest down payment and closing-cost assistance when they purchase a home in the city.
Eligible for: First-time homebuyers purchasing a primary residence within Portland city limits who work with a Homebuying Counselor at a listed community …
City of Madison – Community Development DivisionWIFirst-Time HomeownerZero percent interest deferred payment shared appreciation loan of up to 35000 dollars that covers down payment and closing costs for eligible buyers in the City of Madison, with repayment and a share of future appreciation due when the home is sold, refinanced or otherwise transferred.
Updated: Dec 6, 2025
Madison’s Home-Buy the American Dream (HBAD) program offers up to $35,000 in 0% shared-appreciation assistance to help first-time buyers cover down payment and closing costs on homes within city limits, paired with mandatory education and property quality inspections.
Eligible for: Low- to moderate-income first-time homebuyers purchasing a single-family home, condominium, or one-half duplex in the City of Madison; must …
City of Phoenix Housing DepartmentAZFirst-Time HomeownerCity of Phoenix deferred payment second mortgage that provides up to 10 percent of the purchase price for down payment and closing costs on an owner occupied home, at zero percent interest with no monthly payments and forgiveness or repayment tied to a long term affordability and occupancy period.
Updated: Dec 6, 2025
City of Phoenix Open Doors Down Payment Assistance Program providing up to 10% of the purchase price for income-eligible first-time buyers purchasing in Phoenix.
Eligible for: First-time homebuyers purchasing an owner-occupied home within Phoenix city limits, earning at or below 80% Area Median Income (AMI), who co…
Arizona Department of HousingAZFirst-Time HomeownerState administered 30 year fixed rate first mortgage paired with substantial down payment and closing cost assistance funded with State Housing Trust and federal American Rescue Plan resources, with higher assistance amounts for buyers at or below 80 percent of area median income and additional support for households up to 120 percent AMI.
Updated: Dec 6, 2025
Statewide Arizona Is Home mortgage assistance initiative offering enhanced down payment help and interest-rate relief so first-time, low- to middle-income buyers can afford a primary residence in Arizona.
Eligible for: First-time, low- to middle-income homebuyers across Arizona who meet HUD first-time buyer definitions, income limits (generally up to 120% o…
City of Tucson Housing and Community DevelopmentAZFirst-Time HomeownerLocally administered deferred payment down payment assistance loan funded with HOME and related resources that can cover up to 20 percent of the contract sales price, with no monthly payments and repayment generally due if the home is sold or no longer a primary residence during the affordability period.
Updated: Dec 6, 2025
Tucson and Pima County down payment assistance loan program offering up to 20% of the purchase price in support for income-eligible first-time buyers.
Eligible for: First-time homebuyers purchasing a primary residence in the City of Tucson or Pima County (excluding Tribal lands) with household income at …
Arizona Industrial Development AuthorityAZFirst-Time HomeownerStatewide Arizona Industrial Development Authority program that combines a 30 year fixed rate first mortgage with down payment and closing cost assistance of up to 4 percent of the first mortgage amount, delivered through a network of participating lenders with options for forgivable or non forgivable assistance structures.
Updated: Dec 6, 2025
Statewide Home Plus down payment assistance program providing up to 4% of the loan amount toward down payment and closing costs for qualifying Arizona homebuyers.
Eligible for: Borrowers purchasing a primary residence anywhere in Arizona who meet program income limits (generally ≤$146,503 household income), qualify …
Tennessee Housing Development AgencyTNFirst-Time HomeownerTennessee Housing Development Agency 30 year fixed rate first mortgage product for first-time and certain repeat buyers, available with FHA, VA, USDA RD or conventional financing and designed to be paired with Great Choice Plus down payment assistance when needed.
Updated: Dec 6, 2025
THDA’s flagship Great Choice Home Loan offers a predictable 30-year fixed mortgage for Tennessee first-time buyers, often paired with down payment assistance to reduce cash-to-close.
Eligible for: Primarily first-time homebuyers (or buyers who have not owned in the past three years) who meet THDA income and purchase-price limits, quali…
The Industrial Development Authority of the County of PimaAZFirst-Time HomeownerCounty and city industrial development authority sponsored 30 year fixed rate first mortgages paired with down payment and closing cost assistance structured as second mortgage loans that may be forgivable over time or as grants for certain loan types such as VA, sized as a percentage of the first loan amount.
Updated: Dec 6, 2025
Pima Tucson Homebuyer’s Solution program offering a fixed-rate first mortgage paired with down payment and closing cost assistance for buyers in Pima County, including Tucson.
Eligible for: Homebuyers purchasing an owner-occupied primary residence in Pima County (including the City of Tucson) who qualify for an eligible FHA, VA,…
City of Bowie – Office of Grant Development & AdministrationMDFirst-Time HomeownerLocal closing cost assistance grant layered with a Maryland Mortgage Program first mortgage, where the City of Bowie provides a 2000 dollar grant that is typically matched by a 2000 dollar MMP grant for eligible buyers.
Updated: Dec 6, 2025
“Bowie First” is a targeted home buyer assistance grant that helps Bowie workers and residents with disabilities cover closing costs when buying a home in the city, often doubling via an MMP match.
Eligible for: Teachers, police officers, City of Bowie employees, and persons with disabilities purchasing a primary residence within Bowie city limits; b…
City of Memphis – Division of Housing and Community Development, Office of Down Payment AssistanceTNFirst-Time HomeownerCity of Memphis administered zero percent interest deferred second mortgage style assistance that provides up to 10 percent of the home sales price, capped around 25000 dollars, to cover down payment and closing costs for eligible buyers under citywide and targeted incentive tracks.
Updated: Dec 6, 2025
Memphis’s DPA office provides layered, citywide and incentive-based down payment and closing-cost assistance loans so eligible buyers can purchase homes within the city limits with far less upfront cash.
Eligible for: First-time buyers and other eligible purchasers buying within Memphis city limits who meet specific income limits (Citywide DPA typically ≤8…
Down Payment Assistance Program – City of Lansing
Temporarily PausedCity of Lansing – Community Development OfficeMIFirst-Time HomeownerHOME funded city down payment assistance program that historically offered up to 10000 dollars as a zero percent interest second mortgage for eligible first time buyers in Lansing, currently suspended for 2025 due to reduced federal funding.
Updated: Dec 6, 2025
City of Lansing HOME-funded DPA program (currently paused) that historically provided up to $10,000 as a 0% second mortgage to help first-time buyers with down payment and closing costs.
Eligible for: First-time homebuyers (no homeownership in past 3 years) purchasing a single-family home within Lansing city limits; household income at or …
Colorado Housing and Finance AuthorityCOFirst-Time HomeownerState housing finance agency down payment assistance delivered either as a true grant of up to the lesser of 25000 dollars or 3 percent of the CHFA first mortgage amount or as a zero percent interest, non amortizing second mortgage of up to the lesser of 25000 dollars or 4 percent of the first mortgage amount, paired with a 30 year fixed rate CHFA loan.
Updated: Dec 6, 2025
Statewide CHFA down payment assistance that adds a grant or 0% second mortgage on top of a CHFA first loan to cover down payment and closing costs.
Eligible for: Homebuyers using an eligible CHFA first-mortgage loan to purchase a primary residence in Colorado; must meet CHFA income and purchase-price …