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)
Fulton County Community Development – Homeownership ProgramGAFirst-Time HomeownerFulton County Community Development zero percent interest deferred payment second mortgage program that provides down payment and closing cost assistance to low and moderate income first time homebuyers in eligible parts of the county.
Updated: Dec 6, 2025
Fulton County’s HOP provides up to $15,000 in zero-interest, deferred down payment and closing cost assistance to help first-time buyers purchase homes in qualifying parts of the county.
Eligible for: First-time homebuyers purchasing an owner-occupied home in eligible parts of Fulton County (generally outside certain municipalities such as…
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 Greensboro – Housing & Neighborhood Development / Housing Connect GSONCFirst-Time HomeownerCity of Greensboro forgivable zero percent interest subordinate loans that provide tiered down payment and closing cost assistance for income eligible first time buyers, public service heroes, and #100Homes participants within city limits.
Updated: Dec 6, 2025
A multi-tiered down payment and closing cost assistance program in Greensboro offering up to $25,000–$30,000 in forgivable support for first-time homebuyers and public service professionals.
Eligible for: First-time homebuyers (or those who have not owned in 3 years) purchasing a primary residence within Greensboro city limits; must meet incom…
New Jersey Community Capital (NJCC)NJFirst-Time HomeownerNew Jersey Community Capital statewide down payment and closing cost assistance structured as a recoverable, forgivable grant of ten thousand to thirty thousand dollars that is fully forgiven after five years of continuous owner occupancy.
Updated: Dec 6, 2025
Statewide down payment/closing cost assistance program offering large grants for eligible New Jersey homebuyers, complementing other state or local programs.
Eligible for: Eligible homebuyers purchasing a primary residence in New Jersey (1–4 family). Income at or below 100% HUD AMI by county, must complete HUD-…
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…
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 Augusta – Housing & Community Development DepartmentGAFirst-Time HomeownerCity of Augusta first time homebuyers program that provides local down payment and closing cost assistance as a subordinate low or no interest loan or forgivable grant tied to owner occupancy and paired with an affordable first mortgage.
Updated: Dec 6, 2025
City of Augusta’s First-Time Homebuyers Program provides up to $5,000 toward down payment and closing costs to help low- and moderate-income buyers become homeowners.
Eligible for: Income-eligible first-time homebuyers (no home ownership in the past 3 years) purchasing an owner-occupied home within Augusta city limits; …
Monmouth County Planning Board – Division of HousingNJFirst-Time HomeownerMonmouth County down payment and closing cost assistance administered as a county housing program, typically delivered as a deferred or forgivable second mortgage for eligible low and moderate income first time buyers.
Updated: Dec 6, 2025
County-based assistance for first-time buyers in Monmouth County, helping with upfront purchase costs to increase access to homeownership.
Eligible for: First-time homebuyers in Monmouth County, NJ, meeting income/purchase price limits and completing homebuyer education; property must be owne…
City of Canton Department of Community DevelopmentOHFirst-Time HomeownerCity of Canton zero percent interest deferred payment second mortgage that provides up to five thousand dollars for down payment and closing costs and is fully forgiven after five years of owner occupancy.
Updated: Dec 6, 2025
City of Canton’s down payment assistance program provides up to $5,000 as a 0% interest deferred loan to help first-time buyers cover down payment and closing costs.
Eligible for: First-time low- to moderate-income homebuyers purchasing an owner-occupied home within the Canton city limits; must contribute at least $500…
Franklin County Board of Commissioners / HomeportOHFirst-Time HomeownerFranklin County zero percent interest deferred second mortgage that provides up to five percent of the purchase price, capped at fifteen thousand dollars, for down payment, prepaid items, and closing costs and is forgiven after a six year affordability period.
Updated: Dec 6, 2025
County-level down payment assistance program providing a forgivable 0% second mortgage to help low- and moderate-income first-time buyers in Franklin County with down payment and closing costs.
Eligible for: First-time homebuyers (or those who have not owned a home in the past 3 years) purchasing an owner-occupied single-family home located insid…
James City County Office of HousingVAFirst-Time HomeownerLocal first-time homebuyer initiative that combines HUD-certified education and counseling with access to down payment and closing cost assistance and affordable mortgage products through partners like the Hampton Roads Loan Fund Partnership and Virginia Housing.
Updated: Dec 6, 2025
Local first-time homebuyer program that combines education, counseling, down payment and closing cost assistance, and affordable mortgage products for James City County residents and workforce.
Eligible for: First-time homebuyers (as defined by the program) who live or work in James City County, meet income limits, and complete required homebuyer…
Housing Finance Authority of Hillsborough CountyFLFirst-Time HomeownerCounty-level Housing Finance Authority program that pairs a fixed-rate first mortgage with a 0% interest, deferred second mortgage to provide down payment and closing cost assistance for income-eligible first-time buyers in Hillsborough County.
Updated: Dec 6, 2025
County-level down payment assistance via a 0% interest second mortgage that helps first-time buyers in Hillsborough County cover down payment and closing costs.
Eligible for: First-time homebuyers in Hillsborough County (with some exceptions in HUD-targeted areas); must purchase and occupy a primary residence in H…