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Find every first-time home buyer grant & down payment assistance program in the U.S.
$0 – $100,000+ in free money. Updated daily across all 50 states + DC. Compare programs from HUD-approved agencies, lenders, cities, and state housing authorities in one place.
2000+ programs listed • Verified by HUD & state agencies
Latest opportunities (19)
Empire State DevelopmentNYSmall Businessgrant
Updated: Dec 5, 2025
New York’s $800 million Pandemic Small Business Recovery Grant Program provides flexible grants of $5,000–$50,000 to help small and micro-businesses and for-profit arts organizations cover COVID-related operating expenses like payroll, rent, taxes, utilities, and PPE.
Eligible for: New York State small and micro-businesses, and for-profit independent arts and cultural organizations, that began operating on or before Mar…
NYC Department of Small Business ServicesNYSmall Businessgrant
Updated: Dec 5, 2025
NYC SBS’s Small BID Support Grant Program offers up to $100,000 to BIDs and similar organizations to fund corridor-strengthening initiatives—like cleaning, events, outreach, and small-business support—that help neighborhood small businesses thrive.
Eligible for: Existing and in-formation New York City Business Improvement Districts (BIDs), or nonprofit organizations under contract with SBS to provide…
CitizensNYC’s Neighborhood Business Grants provide up to $5,000 in flexible funding to help hyperlocal NYC businesses pay rent, cover payroll, invest in equipment, or launch community-serving projects that keep their doors open and their neighborhoods vibrant.
Eligible for: Small, locally rooted businesses in New York City—often sole proprietors or microenterprises—that are actively operating, have a clear commu…
CitizensNYC’s Neighborhood Business Grants provide up to $5,000 in flexible funding to help hyperlocal NYC businesses pay rent, cover payroll, invest in equipment, or launch community-serving projects that keep their doors open and their neighborhoods vibrant.
Eligible for: Small, locally rooted businesses in New York City—often sole proprietors or microenterprises—that are actively operating, have a clear commu…
Empire State Development – Global NYNYSmall Businessgrant
Updated: Dec 3, 2025
The Global NY Fund Grant Program reimburses 50% of eligible export-related expenses—such as trade shows, foreign marketing, and translation—up to $25,000 for small businesses and $100,000 for nonprofits, helping New York companies enter or expand in international markets.
Eligible for: New York State for-profit businesses with 500 or fewer employees, at least one year in business, and at least 10% of prior-year sales from o…
Empire State DevelopmentNYSmall Businessgrant
Updated: Dec 3, 2025
New York’s $800 million Pandemic Small Business Recovery Grant Program provides flexible grants of $5,000–$50,000 to help small and micro-businesses and for-profit arts organizations cover COVID-related operating expenses like payroll, rent, taxes, utilities, and PPE.
Eligible for: New York State small and micro-businesses, and for-profit independent arts and cultural organizations, that began operating on or before Mar…
Empire State Development / Lendistry (Program Administrator)NYSmall Businessgrant
Updated: Dec 3, 2025
The nysmallbusinessrecovery.com site is the official Lendistry portal for New York’s Pandemic Small Business Recovery Grant, where eligible businesses create accounts, upload documents, and track grant-application status.
Eligible for: New York small businesses, micro-businesses, and for-profit arts and cultural organizations that meet the ESD program’s revenue, loss, and c…
Empire State Development / Lendistry (Program Administrator)NYSmall Businessgrant
Updated: Dec 3, 2025
The nysmallbusinessrecovery.com site is the official Lendistry portal for New York’s Pandemic Small Business Recovery Grant, where eligible businesses create accounts, upload documents, and track grant-application status.
Eligible for: New York small businesses, micro-businesses, and for-profit arts and cultural organizations that meet the ESD program’s revenue, loss, and c…
NYC Department of Small Business ServicesNYSmall Businessgrant
Updated: Dec 3, 2025
NYC SBS’s Small BID Support Grant Program offers up to $100,000 to BIDs and similar organizations to fund corridor-strengthening initiatives—like cleaning, events, outreach, and small-business support—that help neighborhood small businesses thrive.
Eligible for: Existing and in-formation New York City Business Improvement Districts (BIDs), or nonprofit organizations under contract with SBS to provide…
Empire State Development – Global NYNYSmall Businessgrant
Updated: Dec 5, 2025
The Global NY Fund Grant Program reimburses 50% of eligible export-related expenses—such as trade shows, foreign marketing, and translation—up to $25,000 for small businesses and $100,000 for nonprofits, helping New York companies enter or expand in international markets.
Eligible for: New York State for-profit businesses with 500 or fewer employees, at least one year in business, and at least 10% of prior-year sales from o…
City of Schenectady Housing & Neighborhoods DepartmentNYFirst-Time HomeownerMunicipal program that combines down payment and closing cost assistance with rehabilitation support for eligible first-time homebuyers and owner-occupants purchasing within the City of Schenectady.
Updated: Dec 6, 2025
Municipal homebuyer assistance program offering funding for down payment/closing costs and rehabilitation to support first-time buyers purchasing within the city.
Eligible for: First-time homebuyer, owner‐occupant purchaser, income limits (often ≤ 80% AMI) purchasing a home in Schenectady.
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).
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