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

Tulsa County’s First Home / Homebuyer Assistance Program combines a below-market 30-year fixed-rate mortgage with 3.5% down payment assistance, delivered as a five-year forgivable second mortgage, to make first-time homeownership more affordable across Tulsa County.

Eligible for: First-time homebuyers purchasing an owner-occupied home in Tulsa County who qualify for the First Home below-market fixed-rate mortgage, mee…

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…

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 …

Wichita’s HOMEownership 80 Program offers substantial down-payment and closing-cost assistance to first-time buyers purchasing new construction homes in targeted neighborhoods, using federal HOME funds administered by the City.

Eligible for: First-time homebuyers purchasing newly constructed single-family homes in designated HOMEownership 80 Assistance Areas within Wichita, who m…

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,…

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…

Statewide program that pairs OHFA’s fixed-rate first mortgages with 3.5% down payment and closing cost assistance, helping first-time and repeat buyers reduce out-of-pocket costs when purchasing a home in Oklahoma.

Eligible for: Oklahoma homebuyers using an OHFA first mortgage to purchase a primary residence anywhere in the state; must have a minimum 640 credit score…

Minneapolis’ down payment assistance loan provides $10,000–$20,000 in gap financing for income-qualified first-time homebuyers in the city, based on household AMI, to cover down payment and closing costs.

Eligible for: First-time homebuyers purchasing a primary residence in Minneapolis who meet income limits (≤80% or 60% AMI depending on assistance level), …

Statewide homeownership hub where LHC connects Louisiana buyers, lenders, and Realtors to its menu of affordable mortgages, down payment assistance, and tax-credit programs.

Eligible for: Low- to moderate-income Louisiana homebuyers purchasing a primary residence in the state who meet program-specific income and purchase-price…

Parish-specific LHC program that offers 100% financing plus up to 3% in closing-cost assistance for first-time buyers in Delta parishes, targeting households with limited credit and savings.

Eligible for: Low- to moderate-income first-time homebuyers purchasing a single-family home in one of the designated Delta parishes; borrowers must meet L…

Lake Charles’ Down Payment Assistance Program uses CDBG funds to provide up to $10,000 toward down payment and closing costs, helping income-qualified first-time buyers purchase homes within city limits.

Eligible for: Low- to moderate-income first-time homebuyers purchasing an owner-occupied home within the Lake Charles city limits who meet HUD income limi…

The Northern Kentucky HOME Consortium’s Home Buyer Assistance Program offers 0% interest, deferred down payment assistance loans—up to $10,000—to help income-qualified buyers in eight Northern Kentucky cities cover down payment and closing costs and transition into long-term homeownership.

Eligible for: Low- and moderate-income homebuyers purchasing an owner-occupied home in one of the Northern Kentucky HOME Consortium cities—Covington, Ludl…