Find every first-time home buyer grant & down payment assistance program in the U.S.

The Chenoa Fund Wyoming page promotes flexible down payment assistance options for both first-time and repeat buyers, offering either forgivable or repayable secondary financing to help low- and moderate-income households cover their down payment on a Wyoming home.

Eligible for: Low- to moderate-income homebuyers and existing homeowners in Wyoming who apply through an approved Chenoa Fund lender and can qualify for p…

NDHFA’s Homeownership hub outlines multiple fixed-rate loan programs plus DCA and Start down payment assistance, giving first-time and move-up buyers flexible options to combine low-interest mortgages with 3% credits toward down payment and closing costs.

Eligible for: North Dakota homebuyers who invest at least $500 of their own funds, will occupy the property as their principal residence, and meet program…

MaineHousing’s First Generation Pilot Program targets households whose families have never owned a home, combining a discounted First Home Loan interest rate with a $10,000 grant to bridge down payment and closing cost barriers.

Eligible for: All borrowers must be true first-time homebuyers with no prior ownership interest in a principal residence anywhere; in addition, at least o…

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…

Bangor’s Homeownership Program provides flexible financial assistance to low- and moderate-income residents, allowing funds to be applied toward down payment, closing costs, principal reduction and interest-rate buydown so that first-time buyers can afford to purchase, build or rehabilitate a home in the city.

Eligible for: Low- to moderate-income Bangor households purchasing, building or rehabilitating a home in the city, with at least one applicant qualifying …

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…

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 …

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…

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…

HomeNow provides a $7,000, no-payment second mortgage for down payment and closing costs that’s forgivable after 10 years, targeting New Mexico first-time buyers at or below 80% AMI who pair it with MFA’s FirstHome loan.

Eligible for: Available to lower-income first-time homebuyers (and former homeowners who have not owned/occupied a home as a primary residence in the last…

The Homebuyers hub introduces Montana Board of Housing’s suite of affordable mortgage options and highlights that buyers can combine a low fixed-rate home loan with down payment and closing cost assistance to make purchasing a home more attainable.

Eligible for: Prospective Montana homebuyers who plan to occupy the home as their primary residence, can qualify for a Montana Board of Housing loan throu…

NIFA’s HBA program provides a low-interest second mortgage covering up to 5% of the purchase price for down payment & closing costs.

Eligible for: First-time buyers meeting NIFA income & purchase limits; must use NIFA first mortgage