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)
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…
Maryland Department of Housing and Community Development – Maryland Mortgage ProgramMDFirst-Time HomeownerState housing finance platform that delivers affordable 30 year fixed rate mortgages through approved lenders and layers in down payment and closing cost assistance, Partner Match funds, mortgage credit certificates and specialty offerings such as SmartBuy for eligible Maryland homebuyers.
Updated: Dec 6, 2025
Landing hub for the Maryland Mortgage Program, connecting homebuyers to approved lenders, loan options, down payment assistance, SmartBuy student-debt relief and homebuyer education.
Eligible for: Maryland buyers who meet household income and purchase-price limits, qualify for an eligible first mortgage under MMP guidelines, complete a…
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…
MI Home Loan
OpenMichigan State Housing Development AuthorityMIFirst-Time HomeownerFlagship Michigan State Housing Development Authority first mortgage program that offers 30 year fixed rate FHA, VA, USDA RD or conventional loans through approved lenders and can be paired with MSHDA down payment assistance such as the MI 10K DPA Loan for eligible buyers.
Updated: Dec 6, 2025
Statewide fixed-rate mortgage product for Michigan first-time and targeted-area buyers, with optional down payment assistance to reduce upfront costs.
Eligible for: First-time homebuyers statewide and repeat buyers in federally targeted areas; must meet MSHDA income and purchase price limits, minimum cre…
Tennessee Housing Development AgencyTNFirst-Time HomeownerStatewide Tennessee Housing Development Agency platform that delivers 30 year fixed rate Great Choice first mortgages and companion Great Choice Plus down payment assistance second loans, along with related products for first-time and repeat buyers.
Updated: Dec 6, 2025
THDA’s Great Choice homebuyer portal is the statewide hub for affordable 30-year fixed-rate loans and companion down payment assistance options for Tennesseans.
Eligible for: Tennessee homebuyers who meet THDA income and purchase-price limits, minimum credit and debt-to-income requirements, and complete a THDA-app…
City of Clarksville – Neighborhood & Community Services / Office of Housing & Community DevelopmentTNFirst-Time HomeownerHUD HOME funded assistance package that provides up to 25000 dollars in combined zero percent interest support, with an initial forgivable portion and a remaining silent second mortgage portion, to cover down payment and closing costs for eligible first-time buyers in Clarksville.
Updated: Dec 6, 2025
Clarksville’s First-Time Homebuyers Program uses HUD HOME funds to provide substantial zero-interest down payment and closing-cost assistance to low-income buyers purchasing in the city.
Eligible for: Low-income, first-time homebuyers (generally at or below 80% of area median income) purchasing a primary residence within the Clarksville ci…
Ohio Housing Finance AgencyOHFirst-Time HomeownerStatewide down payment assistance from the Ohio Housing Finance Agency that lets eligible borrowers using an OHFA first mortgage choose either two and a half or five percent of their loan amount to apply toward down payment, closing costs, or other pre-closing expenses.
Updated: Dec 6, 2025
FHA.com’s Ohio grants page highlights OHFA’s “Your Choice!” Down Payment Assistance Program, which provides 2.5% or 5% of the loan amount to help cover down payment and closing costs for qualifying Ohio homebuyers.
Eligible for: Homebuyers in Ohio using an OHFA 30-year fixed-rate FHA, VA, USDA-RD, or conventional mortgage who meet OHFA income and purchase price limit…
BankrateOHFirst-Time HomeownerConsumer-facing editorial guide that explains how major Ohio programs like the OHFA Homebuyer Program, OHFA down payment assistance, and local city and county grants work rather than providing funding directly.
Updated: Dec 6, 2025
Editorial guide that explains Ohio’s main first-time homebuyer assistance programs and points readers to statewide and local options, including OHFA and various city/county initiatives.
Eligible for: First-time homebuyers researching assistance options in Ohio; readers are directed to program administrators like OHFA, county housing offic…
City of Greenville – Community Development DivisionNCFirst-Time HomeownerCity of Greenville down payment assistance combining a ten percent no interest loan and a twenty percent HOME grant, calculated as a percentage of the home purchase price for eligible buyers in designated target areas.
Updated: Dec 6, 2025
Suite of down payment and closing cost assistance options in Greenville, NC, combining a 0% interest loan and HOME grant funds to help first-time buyers purchase in targeted neighborhoods.
Eligible for: Low- to moderate-income first-time homebuyers purchasing an owner-occupied home within designated target areas inside Greenville city limits…
Prince William County Housing & Community DevelopmentVAFirst-Time HomeownerCounty-level first-time homebuyer program that provides down payment and closing cost assistance, typically as a subordinate forgivable loan, to help income-eligible buyers purchase owner-occupied homes in Prince William County.
Updated: Dec 6, 2025
County-level first-time buyer assistance program in Prince William County, Virginia, covering down payment and closing cost support for eligible buyers.
Eligible for: First-time homebuyers purchasing an owner-occupied home in Prince William County, meeting income and purchase-price limits, completing homeb…
Camden County Division of Housing Services / Camden County Improvement AuthorityNJFirst-Time HomeownerCamden County zero percent interest non amortizing second mortgage that provides deferred and forgivable assistance loans for down payment and closing costs for eligible first time buyers.
Updated: Dec 6, 2025
County-level homebuyer assistance for first-time buyers to cover down payment and/or closing costs, promoting affordable ownership in Camden County.
Eligible for: First-time homebuyers in Camden County (outside certain boroughs) meeting income and purchase price limits, must attend homebuyer education,…
N.C. Office of Recovery & ResiliencyNCFirst-Time HomeownerReBuild NC disaster recovery assistance funded with CDBG DR dollars that provides a zero percent interest deferred loan covering a percentage of the purchase price up to thirty thousand dollars plus eligible closing costs for buyers in most impacted and distressed counties.
Updated: Dec 6, 2025
Disaster-recovery homeownership assistance providing substantial down payment and closing cost support to first-time and first-generation buyers in hurricane-impacted North Carolina communities.
Eligible for: First-time or first-generation homebuyers purchasing a primary residence in one of 16 HUD-designated “Most Impacted and Distressed” eastern …