Explore O Grants Nationwide

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), …

New Castle County’s Down Payment & Settlement Assistance (DPS) Program offers income-qualified buyers up to $10,000 in deferred, low-cost loan funds to help with down payment and closing costs when buying a home in the county.

Eligible for: Low- and moderate-income households purchasing a home in New Castle County who need help covering customary down payment and settlement char…

AHFC’s Down Payment Assistance resource page connects Alaska homebuyers with nonprofit partners that provide down payment and closing cost assistance for purchases financed with AHFC’s AHELP loan options. The page serves as a statewide hub, listing organizations like Cook Inlet Lending Center, Alaska Community Development Corporation, Interior Regional Housing Authority, and Tlingit-Haida Regional Housing Authority, each serving specific regions.

Eligible for: Homebuyers using AHFC’s AHELP loan option who qualify under the guidelines of participating nonprofit organizations providing down payment a…

DC4ME pairs a below-market-rate mortgage with optional 3% down payment assistance, giving eligible DC government employees a powerful way to reduce both interest costs and upfront cash needed to buy a home in the District.

Eligible for: At least one borrower must be a current full-time DC government employee (including qualifying instrumentalities, independent agencies and D…

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 …

VHFA’s homebuyer programs pair low, fixed-rate MOVE, MOVE MCC, and ADVANTAGE mortgages with ASSIST down payment assistance, giving Vermont buyers up to $10,000 in 0%-interest, deferred funds to cover down payment and closing costs.

Eligible for: First-time and repeat Vermont homebuyers using VHFA MOVE, MOVE MCC, or ADVANTAGE loans who meet VHFA income and purchase price limits, have …

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…

DC Open Doors combines competitively priced first mortgages with a 0% deferred Down Payment Assistance Loan that can cover a buyer’s entire minimum down payment, making District homeownership more accessible for both first-time and repeat buyers.

Eligible for: Open to qualified first-time and repeat homebuyers purchasing in Washington, DC; borrowers must use a participating lender, meet DCHFA credi…

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…

The Dover First Start Homeownership Assistance Program offers low- and moderate-income first-time buyers a 0% interest second-mortgage loan of up to $20,000 for down payment and settlement charges on homes within the City of Dover.

Eligible for: First-time homebuyers purchasing a principal-residence home within Dover city limits who have at least $1,000 in their own cash (excluding g…

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…

NeighborWorks of Western Vermont’s Down Payment Assistance Loan provides up to $50,000 as a second mortgage to help Vermonters cover down payment and closing costs, pair with a partner lender’s first mortgage, and often achieve 100% financing with no PMI.

Eligible for: Qualified homebuyers purchasing in Vermont who work with one of NeighborWorks of Western Vermont’s partner lenders, meet the organization’s …