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

Mississippi Home Saver Plus is the state’s Homeowner Assistance Fund program, designed to help income-eligible homeowners recover from COVID-19 financial hardship by covering delinquent mortgage payments, property taxes, and related housing costs to prevent foreclosure or loss of utilities.

Eligible for: Mississippi homeowners who experienced a COVID-19–related financial hardship after January 21, 2020, are at risk of mortgage delinquency, de…

Hutchinson’s Down Payment Match Incentive Program helps renters become homeowners by matching part of the cash they bring to closing, lowering the cash-to-close required for eligible first-time buyers purchasing in designated neighborhoods.

Eligible for: First-time homebuyers who do not currently own property, are residents of Reno County, purchase a home in one of several eligible Hutchinson…

Pascagoula’s Down Payment Assistance Program offers up to $5,000 in grant funds to help low- and moderate-income first-time homebuyers with down payment and closing costs inside the city limits.

Eligible for: Pascagoula residents (minimum six months) currently in rental or similar housing who are first-time homebuyers, have not owned a principal r…

The City of Vicksburg’s Down Payment Assistance for First Time Homebuyers bundles several grant-based options to help low and moderate-income first-time buyers cover down payment and closing costs. Programs are offered in partnership with Mississippi Home Corporation and the Federal Home Loan Bank of Dallas.

Eligible for: First-time homebuyers in Vicksburg with low to moderate income not exceeding area median income, acceptable credit, and completion of an app…

Online “Start Your Homebuying Journey” form that screens Kansas households for eligibility for KHRC’s First Time Homebuyer down-payment and closing-cost assistance and connects them with next steps and resources.

Eligible for: Prospective buyers must be first-time homebuyers (as defined by the FTHB Program), plan to live in the home as their primary residence, purc…

CARD’s Down Payment Assistance program offers up to 5% of the purchase price (max $5,000) to help first-time buyers in northeast Oklahoma cover down payment and closing costs, coupled with mandatory homebuyer education to support long-term homeownership success.

Eligible for: Individuals and families purchasing new or existing homes in CARD’s service area (northeast Oklahoma) who meet HUD income guidelines, are fi…

Jackson’s Homebuyer Assistance Program uses federal HOME funds to provide tailored down payment assistance so low- and moderate-income families can buy affordable homes in the city.

Eligible for: Low- to moderate-income households purchasing within Jackson city limits, with annual income at or below 80% of area median income, particip…

Little Rock’s Down Payment Assistance Program uses local funds to provide up to 6% of the purchase price (capped at $10,000) in assistance so low- and moderate-income first-time buyers can purchase and occupy homes within the city.

Eligible for: Low- and moderate-income first-time homebuyers purchasing owner-occupied residential properties within the city limits of Little Rock; must …

Liberal’s First-Time Homebuyer Program offers a small but impactful zero-interest soft second loan that helps first-time buyers cover upfront down-payment and closing-cost gaps, making entry-level homeownership more attainable for income-qualified households in the city.

Eligible for: Low- and moderate-income first-time homebuyers in Liberal, Kansas, with household income at or below 125% of area median income, who have no…

The Rural Nevada Development Corporation (RNDC) Down Payment Assistance Program provides interest-free, deferred loans up to $30,000 or $25,000 to help low-income, first-time buyers cover down payment and closing costs on homes that meet HUD standards across a wide list of rural Nevada counties.

Eligible for: Low-income first-time homebuyers purchasing a home that meets HUD Housing Quality Standards in eligible rural Nevada counties (including Car…

The StartSmart First-Time Home Buyer Program uses tax-exempt mortgage revenue bonds to deliver below-market interest rate 30-year loans for eligible Arkansas buyers, and can be paired with ADFA’s DPA second mortgage to significantly lower both upfront and monthly homeownership costs.

Eligible for: Designed primarily for Arkansas first-time homebuyers who have not owned a principal residence in the last three years, with exceptions for …

Fairfield’s federally funded Homebuyer Assistance Program helps income-eligible first-time buyers by covering half of their required down payment (up to $30,000) as a 0% deferred loan and providing an additional $2,500 grant for closing costs, dramatically reducing the cash needed to purchase a home in the town.

Eligible for: First-time homebuyers (no ownership interest in a residence in past 3 years) purchasing an owner-occupied home in Fairfield who complete a H…