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)
Georgia Department of Community Affairs – Georgia DreamGAFirst-Time HomeownerGeorgia Department of Community Affairs statewide housing finance agency program that offers affordable 30 year fixed rate first mortgages paired with second loan down payment and closing cost assistance for eligible buyers.
Updated: Dec 6, 2025
Statewide first-time homebuyer program providing affordable 30-year fixed-rate mortgages with layered down payment and closing cost assistance for Georgia residents.
Eligible for: Primarily first-time homebuyers in Georgia (or those who have not owned a home in the last three years), plus certain exceptions for veteran…
Atlanta HousingGAFirst-Time HomeownerAtlanta Housing community second down payment assistance structured as a zero percent interest subordinate subsidy loan that helps cover down payment and closing costs and is typically forgiven after a required owner occupancy period.
Updated: Dec 6, 2025
City of Atlanta down payment assistance program providing up to $25,000 in a community second loan to help first-time homebuyers cover down payment and closing costs.
Eligible for: First-time homebuyers or those who have not owned a home in the last three years, purchasing an owner-occupied home within the City of Atlan…
First Ohio Home Finance, Inc.OHFirst-Time HomeownerLender overview page describing how First Ohio Home Finance packages OHFA backed mortgages, down payment assistance, grants, and tax credit products for eligible Ohio first time buyers rather than providing a standalone grant.
Updated: Dec 6, 2025
Lender overview page describing OHFA-backed and other assistance programs available to Ohio first-time homebuyers through First Ohio Home Finance.
Eligible for: Ohio first-time homebuyers (and some repeat buyers) who meet income, credit, and purchase price requirements for OHFA and partner programs; …
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…
City of Perth Amboy – Housing & Community Development DepartmentNJFirst-Time HomeownerCity of Perth Amboy municipal down payment and closing cost assistance typically structured as a subordinate deferred or forgivable loan tied to owner occupancy requirements for first time buyers.
Updated: Dec 6, 2025
Municipal down payment assistance for eligible first-time buyers in Perth Amboy, helping bridge the upfront cost to ownership.
Eligible for: First-time homebuyers purchasing in the City of Perth Amboy; must meet income/purchase price limits and complete homebuyer education; proper…
Virginia Department of Housing and Community Development (DHCD)VAFirst-Time HomeownerStatewide HOMEownership DPA program administered by Virginia DHCD that provides gap financing as a deferred, low- or no-interest loan layered with an eligible first mortgage to cover down payment and closing costs for income-eligible first-time buyers.
Updated: Dec 6, 2025
Statewide program offering deferred loan assistance to help first-time homebuyers with down payment and closing cost in Virginia.
Eligible for: First-time homebuyers, income at or below 80% AMI (for the HOME DPA); some pilot option up to 60% AMI with up to $50,000 assistance.
Housing Opportunities Made Equal of Virginia (HOME of VA)VAFirst-Time HomeownerHUD-approved nonprofit counseling and education services that provide free pre-purchase guidance, group homebuyer classes, credit and budget coaching, and fair housing support to Virginians preparing for homeownership, often used alongside state and local down payment assistance programs.
Updated: Dec 6, 2025
Nonprofit HUD-approved counseling agency providing free homeownership education, credit and budget coaching, and fair housing support, frequently paired with Virginia Housing, DHCD, and local DPA programs.
Eligible for: Prospective and current homebuyers in Virginia seeking education, counseling, or help planning for homeownership, resolving credit issues, o…
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…
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…
City of Savannah Housing & Neighborhood Services DepartmentGAFirst-Time HomeownerCity of Savannah administered 2 percent interest 30 year deferred payment second mortgage that can be layered with a first mortgage to provide down payment, closing cost, and gap financing assistance to eligible buyers.
Updated: Dec 6, 2025
City of Savannah’s flagship DreamMaker program offers substantial, low-interest deferred loans—up to $50,000—for down payment, closing costs, and gap financing to help first-time buyers purchase homes within Savannah.
Eligible for: Income-eligible first-time homebuyers purchasing a primary residence within Savannah city limits; must complete approved homebuyer education…
Clayton County Community Development / Clayton GrantsGAFirst-Time HomeownerClayton County HUD funded down payment assistance provided as a 0 percent interest deferred soft second mortgage that covers part of the buyer's down payment and closing costs and is forgiven after a required owner occupancy period.
Updated: Dec 6, 2025
County-level down payment assistance program providing up to $10,000–$15,000 in interest-free, forgivable “soft second” financing to help income-eligible first-time buyers purchase homes in Clayton County.
Eligible for: First-time homebuyers (or those who have not owned a home in the last 3 years) purchasing an owner-occupied home in Clayton County with a ma…
State of GeorgiaGAFirst-Time HomeownerState of Georgia informational and application portal that connects eligible buyers to Georgia Dream affordable first mortgages and associated second loan down payment and closing cost assistance.
Updated: Dec 6, 2025
State portal page explaining how to start the application process for the Georgia Dream Homeownership Program, including steps to connect with an approved lender and complete homebuyer education.
Eligible for: Georgia residents who are first-time homebuyers or meet Georgia Dream exceptions, purchasing a primary residence in the state within program…