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

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Latest opportunities (1214)

First-Time Homebuyer & Down Payment Assistance Programs

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New Jersey Housing and Mortgage Finance AgencyNJFirst-Time HomeownerStatewide New Jersey Housing and Mortgage Finance Agency (NJHMFA) program that pairs a 30-year fixed-rate first mortgage with an interest-free, five-year forgivable down payment assistance second loan and an optional First Generation assistance layer for eligible buyers.

Updated: Dec 6, 2025

The NJHMFA provides low-interest 30-year fixed mortgage loans paired with down payment or closing cost assistance for qualified first-time buyers across New Jersey.

Eligible for: First-time homebuyers (no ownership in past 3 years) in New Jersey, must use approved NJHMFA first mortgage and meet income & purchase-price…

Funding: Provides an interest-free, five-year forgivable down payment assistance loan of up to 15,000 dollars (amount varies by county) that can be used toward down payment or closing costs, with the potential to layer roughly 7,000 dollars in additional First Generation assistance for qualifying buyers whose parents or guardians never owned a home, bringing combined support to about 22,000 dollars.Deadline: Rolling / subject to funds and approved lender participation. RollingStatewide (New Jersey)homebuyerfirst-time homebuyerlow-income homebuyermoderate-income homebuyerNew Jersey homebuyerdown payment assistanceclosing cost assistanceforgivable loansecond mortgagestate programfirst generation bonuslow-interest mortgage

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Homebuyer Dream Program® Suite

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Federal Home Loan Bank of New York (FHLBNY)NYFirst-Time HomeownerRegional grant program from the Federal Home Loan Bank of New York that provides up front grant funds for down payment and closing costs to first time homebuyers, with an optional layered HDP Plus component.

Updated: Dec 6, 2025

Up to $30K (or $60K layered) in grant funding for down payment and closing cost assistance, specifically tailored for first-time buyers in NY/NJ region.

Eligible for: First-time homebuyers in the FHLBNY district (New York & New Jersey) earning up to 80% AMI (or 120% for HDP Plus), must complete homebuyer c…

Funding: Offers grant funding up to 30000 dollars per household for down payment, closing costs, and counseling expenses, with the ability to layer additional funds through the HDP Plus option for a combined total of up to about 60000 dollars.Deadline: Rolling / while funding is available; layering allows up to $60K. RollingMulti state (New York and New Jersey within the FHLBNY district)homebuyerfirst-time homebuyerlow-income homebuyermoderate-income homebuyerNew York homebuyerNew Jersey homebuyerdown payment assistanceclosing cost assistancegrantlayered fundingregional programfirst-time buyer programhomebuyer education required

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Home Purchase Assistance Program (HPAP)

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City of Rochester Neighborhood & Business Development DepartmentNYFirst-Time HomeownerCity of Rochester grant program that provides upfront assistance for down payment and closing costs to first-time homebuyers through a conditional grant tied to long-term owner-occupancy.

Updated: Dec 6, 2025

Local grant program aimed at helping first-time homebuyers in the City of Rochester cover upfront purchase costs to increase access to homeownership.

Eligible for: First-time homebuyer, income eligibility, purchasing 1–4 family home in City of Rochester, must attend pre- and post-purchase training and c…

Funding: Provides a grant of up to about 6,000 to 8,000 dollars, depending on funding cycle and program terms, that can be applied toward down payment and closing costs for eligible first-time buyers in Rochester.Deadline: Rolling / funds availabilityRollingCity (Rochester, New York)homebuyerfirst-time homebuyerlow-income homebuyermoderate-income homebuyerNew York homebuyerRochester homebuyerdown payment assistanceclosing cost assistancegrantcity programfirst-time buyerhomebuyer education required

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IHDA Mortgage & Down Payment Assistance Programs

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Illinois Housing Development Authority (IHDA)ILFirst-Time HomeownerState housing finance agency mortgage platform that offers 30-year fixed-rate IHDA mortgages bundled with several tiers of down payment and closing cost assistance, structured as forgivable, deferred, or repayable second loans.

Updated: Dec 6, 2025

Comprehensive homebuyer support program offering low-interest 30-year fixed mortgages paired with down-payment/closing-cost assistance of up to $10,000 via forgivable, deferred, or repayable structures—making homeownership more accessible in Illinois.

Eligible for: Rolling / funds available

Funding: Provides multiple assistance options that can offer up to 4 percent of the purchase price (around 6,000 dollars) as a forgivable loan, up to 5 percent (around 7,500 dollars) as a 0 percent deferred loan, or up to 10 percent (around 10,000 dollars) as an interest-free repayable loan amortized over 10 years, all to help cover down payment and closing costs.RollingStatewide (Illinois)homebuyerfirst-time homebuyerrepeat homebuyerlow-income homebuyermoderate-income homebuyerIllinois homebuyerdown payment assistanceclosing cost assistancesecond mortgageforgivable loandeferred loanrepayable loanstate housing finance agency program

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Purchase Assistance Grants – NHS Chicago

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Neighborhood Housing Services (NHS) ChicagoILFirst-Time HomeownerNonprofit-administered purchase assistance grant program that layers forgivable down payment and closing cost support on top of a first mortgage for buyers in designated Chicago neighborhoods, especially Micro Market Recovery Program (MMRP) areas.

Updated: Dec 6, 2025

Targeted grant assistance for down payment/closing costs for homebuyers in specific Chicago neighborhoods, intended to support neighborhood revitalization and reduce purchase cost barriers.

Eligible for: First-time homebuyers or eligible households buying in certain Chicago “MMRP” areas, income limits up to 120% AMI, complete homebuyer educat…

Funding: Provides up to 30,000 dollars in purchase assistance grants that can be used toward down payment and closing costs, with funds generally forgivable when buyers comply with occupancy and program requirements in the targeted neighborhoods.Deadline: Rolling / while funds lastRollingCity (Chicago, Illinois – designated Micro Market Recovery Program areas)homebuyerfirst-time homebuyerlow-income homebuyermoderate-income homebuyerIllinois homebuyerChicago homebuyerdown payment assistanceclosing cost assistancegrantforgivable assistanceneighborhood revitalizationnonprofit program

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Down Payment Assistance Program – Town of Normal

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Town of Normal Housing & Community DevelopmentILFirst-Time HomeownerLocal down payment assistance program that offers a modest zero-interest, forgivable second loan to help income-eligible buyers cover down payment and closing costs on owner-occupied homes in the Town of Normal.

Updated: Dec 6, 2025

Local program aimed at increasing homeownership by helping qualified homebuyers with upfront costs in the Town of Normal through modest assistance and favorable loan terms.

Eligible for: Income at or below 80% AMI, home must be owner-occupied single-family within the Town of Normal, minimum contribution $1,000 remains in bank…

Funding: Provides up to 5,000 dollars in assistance as a 0 percent interest loan that is forgiven over a five-year period when the buyer continues to occupy the home and complies with program requirements, with funds usable toward both down payment and closing costs.Deadline: Rolling / until funds exhausted. RollingTown (Normal, Illinois)homebuyerlow-income homebuyerIllinois homebuyerNormal homebuyerdown payment assistanceclosing cost assistanceforgivable loan0 percent interesttown program

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Building Neighborhoods & Affordable Homes Program – City of Chicago

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City of Chicago Dept. of HousingILFirst-Time HomeownerCity of Chicago purchase-price assistance program that provides a large subsidy applied directly to the purchase price of newly constructed or substantially rehabilitated homes in targeted neighborhoods for income-eligible first-time buyers.

Updated: Dec 6, 2025

Significant purchase-price assistance targeted at first-time buyers in Chicago to lower barriers in expensive markets and promote new construction/infills.

Eligible for: First-time homebuyers, income-eligible, purchasing newly constructed or rehabbed home in city limits, complete required trainings.

Funding: Offers up to 100,000 dollars in purchase-price assistance that reduces the upfront cost and mortgage amount for qualifying buyers, with exact subsidy and long-term affordability terms determined by City of Chicago program guidelines.Deadline: Rolling / subject to availabilityRollingCity (Chicago, Illinois)homebuyerfirst-time homebuyerlow-income homebuyermoderate-income homebuyerIllinois homebuyerChicago homebuyerpurchase price assistancedown payment assistanceclosing cost assistancecity programnew constructionrehabbed homeslarge assistance amount

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Homebuyer Assistance Programs

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City of Chicago Dept. of HousingILFirst-Time HomeownerCity of Chicago Department of Housing umbrella of homebuyer assistance programs that combine purchase price subsidies, down payment and closing cost help, and required homebuyer education for income-eligible buyers purchasing within city limits.

Updated: Dec 6, 2025

A suite of homebuyer assistance programs offered by Chicago that include down payment/closing cost support, purchase price subsidies and homebuyer education.

Eligible for: First-time homebuyers in Chicago, income/credit eligibility, purchase within city limits, complete homebuyer education.

Funding: Provides access to multiple Chicago assistance options, including programs that can offer up to roughly 100,000 dollars in purchase price assistance as well as additional down payment and closing cost support, with exact amounts and structures varying by specific Department of Housing program and available funding.Deadline: Rolling, funds until exhaustedVariesCity (Chicago, Illinois)homebuyerfirst-time homebuyerlow-income homebuyermoderate-income homebuyerIllinois homebuyerChicago homebuyerdown payment assistanceclosing cost assistancepurchase price assistancecity programmultiple programshomebuyer education requiredprogram directory

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HOME Down Payment Assistance Program – Town of Brookhaven

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Town of Brookhaven Housing DivisionNYFirst-Time HomeownerLocally administered HOME-funded down payment and closing cost assistance provided as a subordinate loan to eligible first-time buyers purchasing single-family homes in the Town of Brookhaven.

Updated: Dec 6, 2025

Local down payment assistance of up to $50K for first-time buyers in Brookhaven, NY.

Eligible for: First-time homebuyers purchasing a new or existing single-family home in the Town of Brookhaven, income-eligible, must meet homeownership tr…

Funding: Offers up to 50,000 dollars in assistance toward down payment and closing costs, typically structured as a deferred, forgivable loan secured against the property, with repayment or forgiveness determined by the buyer’s compliance with occupancy and program requirements over the minimum affordability period.Deadline: Applications accepted on a first-come, first-served basis until funding is exhausted. RollingTown (Brookhaven, New York)homebuyerfirst-time homebuyerlow-income homebuyermoderate-income homebuyerNew York homebuyerBrookhaven homebuyerdown payment assistanceclosing cost assistanceHOME-fundeddeferred loanforgivable loantown program

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Down Payment Assistance Program – City of Joliet

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City of Joliet Neighborhood Services DivisionILFirst-Time HomeownerCity-administered zero-interest, deferred-payment second mortgage that provides a percentage of the home purchase price to help eligible buyers cover down payment and closing costs on homes within Joliet city limits.

Updated: Dec 6, 2025

Local down payment assistance for eligible buyers in Joliet to reduce upfront cost barriers via city-administered program.

Eligible for: Low- to moderate-income homebuyers purchasing single-family, townhouse or condo in Joliet city limits, with minimum own fund contribution.

Funding: Provides a minimum of 1,000 dollars and up to 20 percent of the home purchase price in assistance structured as a zero-interest, deferred second loan that can be used toward down payment and closing costs, with repayment generally triggered by sale, refinance, or other program-defined events.Deadline: Rolling / until funds exhaustedRollingCity (Joliet, Illinois)homebuyerlow-income homebuyermoderate-income homebuyerIllinois homebuyerJoliet homebuyerdown payment assistanceclosing cost assistance0 percent interestdeferred second mortgagecity program

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First-Time Homebuyer Program – City of Trenton

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City of Trenton Housing & Community Dev.NJFirst-Time HomeownerMunicipal first-time homebuyer assistance program that provides substantial down payment and closing cost support through a deferred or forgivable second mortgage for eligible buyers purchasing in Trenton.

Updated: Dec 6, 2025

Municipal program providing substantial assistance to first-time buyers in Trenton to reduce barriers and promote homeownership in the community.

Eligible for: First-time homebuyers purchasing in Trenton, NJ, meeting income/purchase-price limits, attend homebuyer education and use approved lender.

Funding: Offers up to approximately 50,000 dollars in assistance for down payment and closing costs, typically structured as a deferred-payment or forgivable subordinate loan, with exact terms, repayment triggers, and affordability requirements set by the City of Trenton program guidelines.Deadline: Rolling / until funds exhaustedRollingCity (Trenton, New Jersey)homebuyerfirst-time homebuyerlow-income homebuyermoderate-income homebuyerNew Jersey homebuyerTrenton homebuyerdown payment assistanceclosing cost assistancedeferred second mortgageforgivable loancity programlarge assistance amount

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Homebuyer Dream Program® Suite

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Federal Home Loan Bank of New YorkNJFirst-Time HomeownerFederal Home Loan Bank of New York grant suite delivered through member banks and credit unions that provides non-repayable funds for down payment, closing costs, and homebuyer education, with enhanced funding available through a layered HDP Plus option.

Updated: Dec 6, 2025

Up to $30K (or $60K layered) in grant funding for down payment and closing cost assistance, specifically tailored for first-time buyers in NY/NJ region.

Eligible for: First-time homebuyers in the FHLBNY district (New York & New Jersey) earning up to 80% AMI (or 120% for HDP Plus), must complete homebuyer c…

Funding: Provides grant assistance up to 30,000 dollars per household for down payment, closing costs, and eligible pre-purchase expenses, with the potential to access up to 60,000 dollars in combined funding when the HDP Plus option is layered with other qualified resources, all structured as grants that do not require repayment if program conditions are met.Deadline: Rolling / while funding is available; layering allows up to $60K. RollingMulti-state (New York and New Jersey – FHLBNY district)homebuyerfirst-time homebuyerlow-income homebuyermoderate-income homebuyerNew York homebuyerNew Jersey homebuyerdown payment assistanceclosing cost assistancegrantlayered assistanceregional programhomebuyer education required

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