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

City of Parkersburg’s housing programs page that bundles the Down Payment Assistance Program with rehabilitation and repair initiatives for low- to moderate-income households in Parkersburg and Wood County.

Eligible for: Income-eligible households within the City of Parkersburg and the Parkersburg/Wood County HOME Consortium area; first-time homebuyers for th…

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…

CapEd Credit Union’s First-Time Homebuyer page aggregates multiple Idaho focused products including a zero down Educational Community 100 percent Loan, the CapEd Home Affordable Mortgage Program, and an Idaho first time homebuyer savings account that together help members get into a home with minimal upfront cash

Eligible for: Primarily first time homebuyers who are CapEd members or eligible to join, including educators and education community workers for the Educa…

City of Boise’s Homeownership Opportunity Program provides mortgage assistance to income qualified buyers purchasing homes within Boise city limits, using HUD funds to help with down payment, closing costs, and gap financing so monthly payments remain affordable

Eligible for: Income eligible homebuyers purchasing within Boise city limits with gross household income between 50% and 80% of Area Median Income who wor…

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 …

State-level homebuyer mortgage & downpayment/closing-cost assistance programs via Housing NM, including low upfront cash requirement and multiple DPA/loan options.

Eligible for: First-time or repeat buyers (depending on sub-program), credit score min 620, complete homebuyer counseling, income/purchase price limits ap…

Statewide ADFA homeownership hub that connects Arkansas buyers with StartSmart, Move-Up and Down Payment Assistance mortgage options, combining below-market interest rates with up to $15,000 in assistance to reduce cash-to-close and monthly payments.

Eligible for: Low- to moderate-income Arkansas homebuyers working with participating ADFA-approved lenders; must purchase a primary residence in Arkansas,…

CAA of OKC’s Homebuyer Assistance Programs provide substantial HOME-funded down payment and closing cost assistance—up to $18,000 (plus $5,000 for rate buy-down) in Oklahoma City and $14,249 in Oklahoma/Canadian Counties—through forgivable second mortgages that help low- and moderate-income buyers bridge the affordability gap.

Eligible for: Income-eligible individuals and families purchasing within the Oklahoma City HOME program boundaries or in designated parts of Oklahoma and …

CHFA’s DAP loan is a statewide second-mortgage down payment assistance product that helps first-time buyers cover the gap for down payment and closing costs so they can qualify for a CHFA first mortgage and transition from renting to owning.

Eligible for: Borrower must first qualify for a CHFA first mortgage with a participating lender, demonstrate ability to repay both the first mortgage and …

Bridgeport’s First Time Homebuyer Down Payment & Closing Cost Assistance Program provides forgivable down payment assistance loans up to $25,000 so income-qualified buyers can afford the upfront costs of purchasing and occupying homes in the city.

Eligible for: First-time homebuyers (no ownership in past 3 years) purchasing an owner-occupied 1–2 unit home or FHA-approved condo within the City of Bri…

ADFA’s Down Payment Assistance Loan Program layers a second mortgage of up to $15,000 on top of StartSmart or Move-Up loans so Arkansas buyers can cover most or all of their required down payment and closing costs while still benefiting from affordable fixed-rate financing.

Eligible for: Available statewide to buyers who qualify for an ADFA StartSmart or Move-Up first mortgage; households must meet the first-mortgage program’…

The Chenoa Fund provides flexible Mississippi down payment assistance of up to 5% of the purchase price or appraised value, helping low- and moderate-income buyers reduce or eliminate out-of-pocket down payment and closing costs.

Eligible for: First-time and repeat homebuyers in Mississippi working with an approved Chenoa Fund lender, typically low- to moderate-income borrowers usi…