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This WCDA First Time Homebuyer FAQ document answers common questions about Wyoming down payment assistance, explaining Home$tretch and Amortizing DPA loan terms, credit score requirements, and mandatory homebuyer education for borrowers using WCDA programs.

Eligible for: Potential and current first-time homebuyers in Wyoming who want to use WCDA funds and DPA, including borrowers with at least a 620 credit sc…

The Essential Public Employee Program (EP2) provides up to $10,000 in affordable down payment and closing cost assistance loans for North Dakota’s public employees—such as teachers, first responders, and government staff—to help them buy homes in the communities they serve.

Eligible for: Essential public employees in North Dakota employed by a city or county government, school district, medical or long-term care facility, the…

The Providence Down Payment Assistance Program offers income-eligible first-time buyers in Providence a forgivable, zero-interest loan of up to $20,000 to cover down payment and closing costs, making urban homeownership far more attainable.

Eligible for: First-time homebuyers purchasing a 1–3 unit home or condo in the City of Providence whose household income is at or below 80% of Area Median…

South Dakota’s Fixed Rate Plus down payment assistance provides 3% or 5% of the first mortgage amount as a 0% interest, due-on-sale second mortgage to cover down payment and closing costs, helping first-time and repeat buyers bridge the upfront cost gap.

Eligible for: Eligible borrowers who qualify for SD Housing’s Fixed Rate Plus first mortgage and meet standard underwriting, property, and income guidelin…

Wilmington’s First Start Homebuyer Program provides up to $15,000 in down payment and closing-cost assistance to low- and moderate-income first-time buyers purchasing owner-occupied homes inside city limits.

Eligible for: First-time homebuyers, displaced homemakers and single parents purchasing a single-family home within the City of Wilmington who have not ow…

Alaska Housing Finance Corporation’s First-Time Homebuyer Loans program offers two primary mortgage options—First Home and First Home Limited—designed to give first-time buyers reduced interest rates and more affordable homeownership across Alaska. Borrowers work with approved lenders and can pair these loans with other AHFC options like energy-efficiency interest rate reductions and veterans’ preferences.

Eligible for: First-time homebuyers who have not owned a primary residence in the last three years (with targeted-area and qualified-veteran exceptions), …

HPAP is DC’s flagship down payment and closing cost assistance program, offering up to $202,000 in gap financing plus $4,000 in closing cost help so first-time homebuyers can afford a primary residence in the District of Columbia with far less cash upfront.

Eligible for: Head-of-household first-time homebuyers (no ownership interest in any residence in past 3 years) who are very-low to moderate-income by DHCD…

Alaska Community Development Corporation’s Home Opportunity Program (HOP) delivers substantial down payment, closing cost and mortgage buydown assistance to low-income homebuyers across most of Alaska, with loans structured as zero-interest and partially forgivable to make ownership truly affordable.

Eligible for: Low-income households (≤80% of HUD area median income) in eligible Alaska communities who do not own another home, will occupy the property …

The DSHA Loan Products page details the specific Smart Start, First State Home Loan and Diamond in the Rough offerings, showing how Delaware first-time and repeat buyers can pair a DSHA mortgage with 3%–5% down payment and closing-cost assistance.

Eligible for: Low- and moderate-income Delaware homebuyers who qualify for DSHA Welcome Home or Home Again FHA, VA, USDA or conventional 30-year fixed-rat…

This HPAP detail page lays out who qualifies, how much assistance is available, and the exact steps to apply, making it a key reference for first-time DC buyers trying to understand income limits, contribution requirements and loan repayment terms.

Eligible for: Must be head of household, a first-time homebuyer, very-low to moderate-income by DHCD standards, have no ownership interest in residential …

NDHFA’s FirstHome Program offers low-interest, fixed-rate mortgages specifically for first-time buyers and allows them to add DCA or Start assistance, which provides a 3% credit toward down payment, closing costs, and prepaid items.

Eligible for: First-time homebuyers who have not owned a home as their principal residence in the past three years (including manufactured homes on perman…

RIHousing’s First-time Homebuyer Mortgage is the core state-backed first-lien product that pairs low, fixed rates with optional down payment assistance so Rhode Islanders can finance up to 100% of a reasonably priced home.

Eligible for: First-time homebuyers purchasing an owner-occupied home in Rhode Island who meet RIHousing income and purchase-price limits (with example th…