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)
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 …
City of Indianapolis – Department of Metropolitan DevelopmentINFirst-Time HomeownerCity level referral hub that connects residents to nonprofit and community partners that provide homebuyer education, financial coaching, affordable mortgage products and locally funded down payment assistance using a mix of city, state and federal resources.
Updated: Dec 6, 2025
City information hub that directs Indianapolis residents to local nonprofit and partner-run homeownership programs, including education, counseling, and access to down payment assistance or affordable mortgage options.
Eligible for: Residents of Indianapolis/Marion County seeking to become homeowners, typically low- to moderate-income households needing counseling, finan…
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…
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 …
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 …
Colorado Department of Local Affairs – Division of HousingCOFirst-Time HomeownerState Division of Housing grant funding that flows to local governments, tribal governments and nonprofit housing partners so they can create or expand down payment assistance and affordable for sale housing programs that serve low and moderate income homebuyers.
Updated: Dec 6, 2025
State-level DPA funding stream that helps local governments and nonprofits offer down payment assistance and affordable for-sale housing to Colorado homebuyers.
Eligible for: Colorado local governments, tribal governments, and nonprofit housing partners that apply for and receive DOLA/DOH funds to operate homebuye…
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…
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…
Colorado Housing and Finance AuthorityCOFirst-Time HomeownerState housing finance authority homeownership platform that offers 30 year fixed rate purchase mortgages which can be combined with CHFA down payment assistance grants or second mortgage loans, supported by education, counseling and equity focused initiatives delivered through a statewide lender network.
Updated: Dec 6, 2025
Central homeownership hub for CHFA, explaining how buyers can get a CHFA loan, add down payment assistance, find lenders, and access education and equity-focused resources.
Eligible for: Colorado homebuyers purchasing a primary residence in the state who meet CHFA income and purchase-price limits, credit and DTI guidelines, a…
Fort Wayne Housing AuthorityINFirst-Time HomeownerPublic housing authority homeownership initiative under HUD Section 32 that converts selected public housing or authority owned units into affordable for sale homes for eligible assisted families, using discounted purchase prices, rehabbed units that meet HUD standards and in some cases ongoing voucher or subsidy support to keep monthly ownership costs affordable.
Updated: Dec 6, 2025
FWHA’s Section 32 Homeownership Program converts certain public housing or authority-owned units into affordable, for-sale homes for qualified low-income families, often leveraging voucher or subsidy structures to support ownership.
Eligible for: Low-income families participating in FWHA programs (often Housing Choice Voucher or public housing residents) who are first-time buyers, com…
Commonwealth of MassachusettsMAFirst-Time HomeownerState supported affordable mortgage program administered by Massachusetts Housing Partnership that provides a 30 year fixed rate first mortgage with low down payment, no private mortgage insurance and built in interest subsidy and in some variants access to additional down payment or closing cost assistance.
Updated: Dec 6, 2025
Flagship affordable mortgage program offering first-time buyers a low down payment, below-market fixed rate, no PMI, and built-in interest subsidy to keep payments manageable.
Eligible for: Low- and moderate-income first-time homebuyers in Massachusetts who meet MHP income and purchase price limits, complete approved homebuyer e…