O Grants

Explore O Grants Nationwide

Discover active o funding across federal, state, local, and private funders. Updated daily with new programs and opportunities.

Search O grants Download the 2025 FTHB Toolkit – $17

1,214 active programs listed • Updated daily • All 50 states + DC

Keyword

Latest opportunities (1214)

Down Payment Assistance Program

Open

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 …

Funding: Provides a deferred payment assistance loan of up to 20 percent of the contract sales price that can be applied to down payment and allowable closing costs on eligible homes in Tucson and Pima County, subject to purchase price limits and affordability review.Deadline: Rolling; available while local HOME/related funds remain.RollingRegionalhomebuyerfirst-time homebuyerlow-income homebuyerTucson residentPima County residentdown payment assistanceclosing cost assistancedeferred loanaffordable homeownershiphomebuyer education

View details →

Housing Programs – City of Salem

Open

City of Salem, MA – Department of Planning & Community DevelopmentMAFirst-Time HomeownerCity housing office that uses local, state and federal funds to offer first time homebuyer down payment assistance loans, housing rehabilitation loans and landlord assistance programs alongside broader housing stability resources.

Updated: Dec 6, 2025

City of Salem housing resource hub featuring the First-Time Homebuyer Downpayment Assistance Loan Program plus rehab, landlord, and housing stability programs for residents.

Funding: The First-Time Homebuyer Downpayment Assistance Loan Program provides down payment assistance loans to income eligible buyers purchasing in Salem, while separate rehab and landlord programs offer financing for owner occupied and investor owned properties; specific loan sizes and terms are defined in individual program guidelines rather than as a single flat grant amount on this overview page.Deadline: Low- and moderate-income first-time homebuyers seeking to purchase a primary residence within Salem city limits who can provide required matching funds and meet program income and underwriting guidelines; separate rehab and landlord assistance programs serve income-eligible owners and landlords of 1–7 unit properties.RollingLocalhomebuyerfirst-time homebuyerlow-income homebuyerhomeownerlandlordSalem residentdown payment assistancerehabilitation loanlandlord assistancehousing stabilityhomebuyer education

View details →

MassHousing Mortgages

Open

Commonwealth of MassachusettsMAFirst-Time HomeownerState information portal describing MassHousing 30 year fixed rate mortgage products delivered through partner lenders with features such as low down payment requirements, competitive interest rates, optional mortgage payment protection and the ability to pair loans with MassHousing down payment assistance up to 30000 dollars.

Updated: Dec 6, 2025

State information page summarizing MassHousing mortgage products: safe, fixed-rate loans with low down payment requirements and optional down payment assistance.

Eligible for: Massachusetts homebuyers with modest incomes who purchase 1–4 unit primary residences in the state, meet MassHousing income and purchase pri…

Funding: The page highlights that MassHousing mortgages can be combined with agency down payment assistance of up to 30000 dollars when paired with an eligible MassHousing first loan, even though the mortgage products themselves do not provide a flat grant amount.Deadline: Rolling; MassHousing loans are available year-round through participating lenders, subject to program terms and funding.RollingStatewidehomebuyerfirst-time homebuyerrepeat homebuyerlow-income homebuyerMassachusetts residentaffordable mortgagelow down paymentdown payment assistancepayment protectionhomebuyer education

View details →

Down Payment Assistance (DPA) Program

Open

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…

Funding: Provides state grant funding to eligible local and nonprofit partners to capitalize or expand local down payment assistance and affordable for sale housing programs, with per homebuyer assistance sizes, income limits and affordability terms set at the local program level rather than in the statewide guidelines.Deadline: Competitive funding cycles; rolling opportunities announced by DOLA/DOH, with awardees required to report quarterly.CompetitiveStatewidelocal governmenttribal governmentnonprofit housing organizationdown payment assistancecapacity buildingaffordable homeownershipfor-sale housing

View details →

Homeownership Opportunities – Open Doors Down Payment Assistance Program

Open

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…

Funding: Offers a zero percent interest deferred assistance loan equal to as much as 10 percent of the home purchase price for down payment and closing costs on qualifying Phoenix properties, subject to a maximum purchase price threshold and an affordability period that can extend up to 15 years.Deadline: Rolling; available while city funds remain.RollingLocalhomebuyerfirst-time homebuyerlow-income homebuyerPhoenix residentdown payment assistanceclosing cost assistancedeferred loanaffordable homeownershiphomebuyer education

View details →

Down Payment Assistance Programs

Open

Indiana Housing and Community Development AuthorityINFirst-Time HomeownerState housing finance authority menu of down payment assistance options that layer forgivable and deferred second mortgage loans of set percentages of the purchase price on top of 30 year fixed rate IHCDA first mortgages to reduce required cash to close for eligible buyers.

Updated: Dec 6, 2025

Statewide hub page that describes IHCDA’s menu of down payment assistance programs, including forgivable and deferred second-mortgage options that can be layered with IHCDA first mortgages.

Eligible for: Income- and purchase price-eligible homebuyers in Indiana working with an IHCDA participating lender; must meet program-specific credit, deb…

Funding: Describes IHCDA products such as First Place or First Step that can provide up to about 6 percent of the purchase price as a forgivable second mortgage and Next Home options that offer up to roughly 3.5 percent as a deferred second loan that is repaid if the home is sold, refinanced or no longer a primary residence within a defined period.Deadline: Rolling; available statewide through participating lenders while IHCDA program funding remains.RollingStatewidehomebuyerfirst-time homebuyerrepeat homebuyerIndiana residentlow-income homebuyerdown payment assistanceclosing cost assistanceforgivable loansecond mortgageaffordable mortgage

View details →

Down Payment Assistance

Open

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 …

Funding: Offers a Down Payment Assistance Grant of up to the lesser of 25000 dollars or 3 percent of the CHFA first mortgage amount that never has to be repaid, or a Down Payment Assistance Second Mortgage Loan of up to the lesser of 25000 dollars or 4 percent of the first mortgage amount at zero percent interest with no monthly payments, due only when the home is sold, refinanced, the first loan is paid off or the property is no longer a primary residence.Deadline: Rolling; available statewide while CHFA first-mortgage programs are funded.RollingStatewidehomebuyerfirst-time homebuyerrepeat homebuyerlow-income homebuyerColorado residentdown payment assistanceclosing cost assistancegrantsecond mortgageaffordable mortgage

View details →

Homeownership Programs – City of Boulder

Open

City of Boulder – Housing & Human ServicesCOFirst-Time HomeownerCity administered homeownership portfolio that combines below market Permanently Affordable homes with Solution Grant down payment grants and zero percent deferred shared appreciation second mortgages such as the H2O: House to Homeownership program and a Middle Income Down Payment Assistance Pilot providing large second loans in exchange for long term deed restrictions.

Updated: Dec 6, 2025

Comprehensive city homeownership portal that includes permanently affordable purchase options plus multiple down payment assistance tools (Solution Grant, H2O, Middle-Income DPA).

Eligible for: Income-qualified homebuyers who live or work in Boulder, purchasing a primary residence in Boulder city limits; specific income caps and ass…

Funding: Depending on the product, assistance can range from Solution Grants of up to 5 percent of the purchase price on select Permanently Affordable and Thistle homes to zero percent shared appreciation second mortgages like H2O and the Middle Income Down Payment Assistance Pilot that can provide up to 100000 to 200000 dollars or as much as 30 percent of the sale price toward down payment and closing costs on market rate homes.Deadline: Rolling; programs operate while local and partner funding lasts, with periodic updates to income limits and available products.RollingLocalhomebuyerfirst-time homebuyermiddle-income homebuyerBoulder residentBoulder workerdown payment assistanceclosing cost assistancegrantshared appreciation loanpermanently affordable housing

View details →

Mortgage Credit Certificate (MCC) Program

Open

Indiana Housing and Community Development AuthorityINFirst-Time HomeownerState administered mortgage credit certificate program that allows eligible homebuyers to claim a set percentage of their annual mortgage interest as a dollar for dollar federal income tax credit each year, up to 2000 dollars annually, for as long as they live in the home and keep the original loan.

Updated: Dec 6, 2025

Statewide tax-credit program that reduces federal income tax for eligible Indiana homebuyers by converting a portion of their mortgage interest into a dollar-for-dollar tax credit each year.

Eligible for: First-time homebuyers (with exceptions for targeted areas and qualifying veterans) who meet IHCDA income and acquisition price limits, obtai…

Funding: Provides a federal income tax credit equal to a program defined percentage of annual mortgage interest paid, commonly around 20 to 25 percent, capped at 2000 dollars per year for the life of the original mortgage while the borrower lives in the home, reducing after tax housing costs instead of providing cash at closing.Deadline: Rolling; available while IHCDA MCC allocation lasts and must be reserved at loan application through a participating lender.RollingStatewidehomebuyerfirst-time homebuyerveteranIndiana residentlow-income homebuyermortgage credit certificatetax creditlong-term affordabilityfirst-time homebuyer benefit

View details →

Down Payment Assistance up to $30,000

Open

MassHousingMAFirst-Time HomeownerState housing finance agency second mortgage program that offers structured deferred and amortizing loans layered on top of MassHousing first mortgages to cover a portion of the buyer's down payment and closing costs.

Updated: Dec 6, 2025

MassHousing’s flagship down payment assistance program providing up to $30,000 statewide via structured second mortgages layered on top of MassHousing first loans.

Eligible for: Income-eligible first-time homebuyers purchasing a 1–4 unit primary residence (single-family, condo, or 2–4 family) in Massachusetts who pai…

Funding: Provides up to 30000 dollars in down payment assistance as a second mortgage when combined with a MassHousing first loan, including a zero percent deferred option up to 30000 dollars with no monthly payments until payoff, sale or refinance and additional options that offer up to 25000 dollars as 15 year amortizing second mortgages at fixed 2 or 3 percent interest with modest monthly payments.Deadline: Rolling; available in every city and town in Massachusetts while borrowers qualify for an underlying MassHousing first mortgage and DPA funds remain.RollingStatewidehomebuyerfirst-time homebuyerlow-income homebuyerMassachusetts residentowner-occupantdown payment assistanceclosing cost assistancesecond mortgagedeferred loanaffordable mortgage

View details →

MI 10K DPA Loan

Open

Michigan State Housing Development AuthorityMIFirst-Time HomeownerStatewide zero percent interest, non amortizing second mortgage of up to 10000 dollars that is layered on top of an MI Home Loan first mortgage and can be used toward down payment, closing costs and prepaid items for eligible buyers.

Updated: Dec 6, 2025

Statewide 0% second-mortgage assistance that adds up to $10,000 in flexible funds on top of an MI Home Loan to cover down payment and closing costs.

Eligible for: Homebuyers using an MI Home Loan who meet MSHDA income and purchase price limits and credit guidelines; must obtain financing through an MSH…

Funding: Provides up to 10000 dollars in down payment, closing cost and prepaid expense assistance as a 0 percent interest second mortgage with no monthly payment, typically due only when the home is sold, refinanced or the first mortgage is paid off.Deadline: Rolling; available statewide while program funding remains, and only when combined with an MI Home Loan first mortgage.RollingStatewidehomebuyerfirst-time homebuyerlow-income homebuyerMichigan residentdown payment assistanceclosing cost assistance0% interestdeferred loansecond mortgage

View details →

Great Choice Plus – Down Payment Assistance

Open

Tennessee Housing Development AgencyTNFirst-Time HomeownerTennessee Housing Development Agency subordinate second mortgage that rides alongside a Great Choice first mortgage and provides up to around 5 percent of the home purchase price, typically capped near 15000 dollars, to cover down payment, closing costs and certain prepaid items.

Updated: Dec 6, 2025

Great Choice Plus is THDA’s companion down payment assistance loan, adding a low-cost second mortgage so income-eligible buyers can close with far less cash.

Eligible for: Borrowers who qualify for a Great Choice Home Loan, meet THDA income and purchase-price limits, complete required homebuyer education/counse…

Funding: Can provide up to about 5 percent of the home's purchase price, generally capped near 15000 dollars, as a structured second mortgage that helps cover down payment, reasonable closing costs and prepaid expenses when paired with a Great Choice first mortgage.Deadline: Rolling; only available in conjunction with an eligible Great Choice Home Loan while THDA DPA funds remain.RollingStatewidehomebuyerfirst-time homebuyerrepeat homebuyerlow-income homebuyerTennessee residentdown payment assistanceclosing cost assistancesecond mortgagestate HFA loanhomebuyer education required

View details →