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

Saint Paul’s Homebuyer Assistance hub connects residents to the Citywide Downpayment Assistance Program, Minnesota Housing loans and DPA, and a network of nonprofit partners to make buying a home in Saint Paul more affordable.

Eligible for: Homebuyers purchasing in Saint Paul who meet income and purchase-price limits for city and Minnesota Housing programs; many offerings target…

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…

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…

KHC’s Down Payment Assistance page explains how the Down Payment Assistance Program (DAP) helps buyers cover down payment, closing costs and prepaids that often block first-time and moderate-income homebuyers from purchasing a home.

Eligible for: Kentucky homebuyers using a KHC first-mortgage loan who meet KHC income limits, credit and underwriting guidelines, and purchase an owner-oc…

Lexington’s First-Time Homebuyer Program connects income-eligible households to a network of nonprofit partners that provide non-repayable mortgage subsidies and 0–2% loans, helping first-time buyers bridge the gap between what they can borrow and the total cost of purchasing a home in Lexington.

Eligible for: Lower- to moderate-income first-time homebuyers who live in Lexington and are purchasing an owner-occupied home within Lexington-Fayette Cou…

Minnesota Housing’s “Buy a Home” offerings provide statewide first-time homebuyer and repeat-buyer mortgages with built-in access to down payment and closing-cost assistance, making homeownership more affordable for low- and moderate-income households across Minnesota.

Eligible for: First-time and repeat homebuyers in Minnesota who meet Minnesota Housing income limits (in some areas up to about $185,700 household income)…

Statewide homeownership hub that connects Alabama buyers to below-market 30-year fixed-rate mortgages, down payment assistance, and closing-cost grants through AHFA’s First Step, Step Up, and grant add-ons.

Eligible for: Low- to moderate-income homebuyers in Alabama who meet program income, credit, and purchase-price limits, complete homebuyer education, and …

The City of Mobile First Time Home Buyers’ Downpayment Assistance Program helps low- and moderate-income buyers purchase homes inside Mobile city limits by providing forgivable down payment and closing-cost assistance layered with primary mortgages.

Eligible for: Income-eligible first-time homebuyers purchasing an owner-occupied home within Mobile city limits who complete HUD-approved homebuyer educat…

Huntsville’s Home Ownership Assistance Program (HOAP) provides substantial support—up to $24,999—to help first-time buyers cover down payment, closing costs, interest-rate buydowns, or principal reductions when purchasing a home inside Huntsville city limits.

Eligible for: First-time homebuyers purchasing a primary residence within Huntsville city limits who meet HUD income limits, program underwriting standard…

LHC’s MRB Home and Assisted Programs provide below- or market-rate 30-year fixed mortgages bundled with 4%–9% down payment and closing-cost assistance for Louisiana first-time homebuyers.

Eligible for: Primarily first-time homebuyers purchasing an owner-occupied home in Louisiana who meet MRB income limits (with caps tied to AMI), HOME purc…

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…

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), …