O Grants

Explore O Grants Nationwide

Discover active o funding across federal, state, local, and private funders. Updated daily with new programs and opportunities.

Search O grants Download the 2025 FTHB Toolkit – $17

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

Keyword

Latest opportunities (1214)

First-Time Homebuyers Program

Open

Family First Federal Credit UnionNYFirst-Time HomeownerCredit union homebuyer program that pairs low-interest first mortgages with access to State of New York Mortgage Agency (SONYMA) and other products that may include down payment and closing cost assistance for first-time buyers.

Updated: Dec 6, 2025

Credit union home-buyer assistance program offering low-interest first mortgages paired with down payment/closing cost support for first-time buyers in New York State.

Eligible for: First-time homebuyer, must use Family First FCU as lender partner, property in NY, eligible loan type (Conventional, USDA, FHA, VA).

Funding: Provides access to low-interest mortgage financing combined with down payment and closing cost assistance options where available through SONYMA and related programs, with exact dollar amounts depending on the loan product and assistance option selected rather than a single fixed grant level.Deadline: Rolling / as funds availableRollingRegional (New York State areas served by Family First Federal Credit Union)homebuyerfirst-time homebuyerNew York homebuyercredit union memberlow-interest mortgagedown payment assistanceclosing cost assistancecredit union programSONYMA partner

View details →

Pennsylvania First-Time Homebuyer Assistance Programs – FHA.com overview

Open

Federal Housing AuthorityPAFirst-Time HomeownerConsumer information page that summarizes and compares multiple Pennsylvania first time homebuyer assistance programs rather than providing funds directly.

Updated: Dec 6, 2025

Marketplace overview listing key assistance programs for Pennsylvania first-time buyers including down payment/closing cost grants and low-interest mortgage options.

Eligible for: First-time homebuyers in Pennsylvania, must meet program’s criteria (income, credit, purchase-price, location), variety of statewide loan/as…

Funding: Describes typical benefit ranges for Pennsylvania programs, such as grants or second mortgages that may cover a few thousand dollars of down payment or up to around five percent of the purchase price, with exact assistance set by the underlying state or local program rather than FHA.com.Deadline: Rolling / based on programRollingStatewide (Pennsylvania)homebuyerfirst-time homebuyerPennsylvania homebuyerdown payment assistanceclosing cost assistanceinformation hubprogram comparisonstate programsfirst-time buyer resources

View details →

First-Time Homebuyers Program – Montgomery County PA

Open

Montgomery County Department of Housing & Community DevelopmentPAFirst-Time HomeownerCounty administered zero interest subordinate loan that provides down payment and closing cost assistance to eligible first time buyers purchasing in Montgomery County.

Updated: Dec 6, 2025

County-level homebuyer assistance providing meaningful support toward upfront purchase costs for eligible first-time buyers.

Eligible for: First-time homebuyers (or not owned a home in last 3 years), income below area median, purchaser must live/work in county, complete counseli…

Funding: Offers assistance up to 10000 dollars or up to 10 percent of the home sale price, whichever is less, structured as a zero interest loan that may be forgiven or become repayable if the home is sold, refinanced, or transferred before the required affordability period.Deadline: Rolling / first-come, funding limited RollingCounty (Montgomery County, Pennsylvania)homebuyerfirst-time homebuyerlow-income homebuyermoderate-income homebuyerMontgomery County homebuyerPennsylvania homebuyerdown payment assistanceclosing cost assistancezero interest loancounty programfirst-time buyer programhomebuyer education required

View details →

Homebuyer Assistance Programs

Resource

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

View details →

Home Purchase Assistance Program (HPAP)

Open

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

View details →

Homebuyer Dream Program® Suite

Open

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

View details →

HOME Down Payment Assistance Program – Town of Brookhaven

Open

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

View details →

Homebuyer Dream Program® Suite

Open

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

View details →

Homebuyer Assistance Program – Pennsylvania Home Grant Center

Open

Pennsylvania Homebuyer Assistance CenterPAFirst-Time HomeownerOnline resource hub that aggregates and explains multiple Pennsylvania down payment and closing cost assistance programs rather than issuing assistance directly.

Updated: Dec 6, 2025

A centralized resource hub listing multiple down payment and closing cost assistance options for Pennsylvania first-time homebuyers including match grants, forgivable second-mortgage loans, employer-assisted housing programs.

Eligible for: First-time homebuyers in Pennsylvania, income/purchase-price limits apply, must complete homebuyer education and use approved lenders.

Funding: Highlights common assistance levels across featured programs, such as up to 5000 dollars in matching funds through First Front Door, up to 10000 dollars in no interest down payment and closing cost assistance through HOMEstead, and up to 8000 dollars or more through employer assisted housing and local grants, with exact amounts and terms determined by each program.Deadline: Rolling / funding limitedRollingStatewide (Pennsylvania)homebuyerfirst-time homebuyerlow-income homebuyermoderate-income homebuyerPennsylvania homebuyerdown payment assistanceclosing cost assistancematch grantforgivable loansecond mortgageprogram directoryhomebuyer education required

View details →

Homebuyer Assistance Program – PA Homebuyer Assistance Center

Open

Pennsylvania Homebuyer Assistance CenterPAFirst-Time HomeownerOnline intake and referral platform that screens Pennsylvania buyers and connects them to suitable down payment, closing cost, and related assistance programs across the state.

Updated: Dec 6, 2025

A comprehensive directory and access point to multiple homebuyer assistance and grant programs across Pennsylvania, including down payment & closing cost help.

Eligible for: First-time homebuyers (or as defined per local program), income/purchase price/credit requirements apply in Pennsylvania

Funding: Assistance amounts vary by underlying program and may include several thousand dollars in down payment or closing cost support, forgivable or deferred second mortgages, and local grant funds, with specific dollar amounts determined once a buyer is matched to a particular program.Deadline: Rolling / funding dependent RollingStatewide (Pennsylvania)homebuyerfirst-time homebuyerlow-income homebuyermoderate-income homebuyerPennsylvania homebuyerdown payment assistanceclosing cost assistanceprogram directoryintake and referralstate programshomebuyer education support

View details →

Purchase Assistance Programs – Pennsylvania Housing Finance Agency (PHFA)

Open

Pennsylvania Housing Finance Agency (PHFA)PAFirst-Time HomeownerState housing finance agency purchase assistance delivered as small grants and zero interest or forgivable second mortgages that must be paired with a PHFA first mortgage.

Updated: Dec 6, 2025

Statewide down payment and closing cost assistance and low-interest mortgage programs for Pennsylvania homebuyers.

Eligible for: Buyers using PHFA mortgage programs, meet credit/income/purchase-price limits; some programs require first-time status or targeted area purc…

Funding: Describes several assistance options including a PHFA grant of up to about 500 dollars for Own Up participants, Keystone Advantage Assistance loans up to 4 percent of the purchase price or 6000 dollars, and K FIT assistance of up to 5 percent of the purchase price that may be forgiven over time, with specific benefit level depending on the chosen program and loan type.Deadline: Rolling / availability varies by program RollingStatewide (Pennsylvania)homebuyerfirst-time homebuyerrepeat homebuyerlow-income homebuyermoderate-income homebuyerPennsylvania homebuyerdown payment assistanceclosing cost assistancegrantsecond mortgageforgivable loanstate housing finance agencyhomebuyer education required

View details →

Grants/Down Payment Assistance – AHCOPA

Open

Affordable Housing Centers of Pennsylvania (AHCOPA)PAFirst-Time HomeownerNonprofit administered portfolio of down payment and closing cost grants that can be layered with other resources and are tied to housing counseling and credit readiness services.

Updated: Dec 6, 2025

Non-profit housing counseling agency providing access to multiple down payment/closing cost assistance grants for eligible Pennsylvania homebuyers.

Eligible for: First-time homebuyers (or homeowners returning after 3 years), income eligibility, completing homebuyer education via AHCOPA.

Funding: Features grant programs such as NeighborhoodLIFT that can provide up to about 15000 dollars in down payment and closing cost assistance, along with other grants and savings match programs that may be combined to reduce the upfront cash needed to purchase.Deadline: Rolling / until funds exhaustedRollingNonprofit service area (Pennsylvania, with emphasis on Philadelphia and surrounding counties)homebuyerfirst-time homebuyerreturning homebuyerlow-income homebuyermoderate-income homebuyerPennsylvania homebuyerPhiladelphia homebuyerdown payment assistanceclosing cost assistancegrantforgivable assistancelayered fundingnonprofit housing counselinghomebuyer education required

View details →