Explore O Grants Nationwide

HomeForward DPA is a 15-year fixed-rate second mortgage that gives New Mexico buyers up to 3% of the sales price toward down payment, pairing with MFA’s HomeForward first mortgage and supporting both first-time and repeat buyers statewide.

Eligible for: Open to first-time and repeat homebuyers using the HomeForward First Mortgage program to purchase an owner-occupied single-family property i…

Montana Board of Housing’s Bond Advantage and MBOH Plus down payment assistance programs help first-time and income-eligible buyers statewide cover the up-front cash needed for down payment and closing costs.

Eligible for: Homebuyers must first qualify for a Montana Board of Housing Regular Bond Program 30-year fixed-rate first mortgage, work with a participati…

District XI Human Resource Council administers a first-time homebuyer down payment assistance program that provides HOME-funded, locally managed gap financing to help low- and moderate-income households in and around Missoula become homeowners.

Eligible for: First-time homebuyers in the Missoula region and surrounding counties whose household income is at or below roughly 80% of area median incom…

Statewide program offering below-market 30-year mortgages plus a 4% second-mortgage DPA option to help Hawaiʻi first-time buyers bridge their down payment gap.

Eligible for: First-time homebuyers who are U.S. citizens or resident aliens, bona fide Hawaiʻi residents, at least 18, within county income and purchase …

Local Eastern Panhandle HOME Consortium program administered by Martinsburg that provides a forgivable, zero-interest down payment assistance loan to low- to moderate-income first-time buyers in the region.

Eligible for: First-time homebuyers in Martinsburg, Berkeley, Jefferson or Morgan Counties whose gross household income does not exceed 80% of area median…

Statewide West Virginia mortgage program offering low-interest 30-year fixed-rate loans and optional down payment assistance to make first-time homeownership more affordable for income-eligible buyers.

Eligible for: Primarily first-time homebuyers purchasing an owner-occupied home in West Virginia who meet county income and purchase price limits and, in …

Idaho Central Credit Union’s First-Time Homebuyer Programs page highlights multiple mortgage options that can offer little to no money down, including 100 percent financing and extended term loans tailored for lower and middle income first time buyers across Idaho

Eligible for: First time and returning homebuyers who qualify for ICCU mortgage underwriting, including lower and middle income borrowers purchasing an ow…

Statewide Idaho down payment assistance program that layers a second mortgage on top of an Idaho Housing first mortgage to cover most or all of the required down payment and closing costs while helping buyers preserve savings

Eligible for: Eligible Idaho homebuyers using an Idaho Housing first mortgage, meeting program underwriting and household income limits and completing app…

Honolulu’s Down Payment Loan Program provides up to $40,000 in 0% interest assistance so low- and moderate-income first-time buyers can meet lender down-payment requirements and qualify for a mortgage.

Eligible for: Prospective homebuyers who do not currently own a primary residence, whose household income is under published limits, who secure a first-mo…

FHA.com’s New Hampshire grants page highlights Home Flex Plus as a key DPA option, describing how it layers 3–4% in cash assistance on top of an FHA, VA or USDA-RD mortgage through New Hampshire Housing to cover a buyer’s downpayment and closing costs.

Eligible for: New Hampshire homebuyers using New Hampshire Housing’s Home Flex Plus mortgage program (FHA, VA or USDA-RD insured) who meet income and purc…

Official brochure detailing Honolulu’s 0% Down Payment Loan Program, which offers up to $40,000 in HOME-funded assistance to help first-time buyers cover down payment requirements.

Eligible for: Income-qualified households who do not own a primary residential property, stay under the program’s household income limits, complete approv…

Kauaʻi’s Home Buyer Loan Program offers low-cost loans to qualified first-time buyers meeting Kauaʻi Median Household Income limits, pairing required homebuyer education with affordable financing for primary residences on the island.

Eligible for: First-time homebuyers who are U.S. citizens or resident aliens, at least 18, Kauaʻi residents or given preference as such, within Kauaʻi Med…