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

The Portland Down Payment Assistance Loan (DPAL) is a heavily subsidized second-mortgage program administered by the Portland Housing Bureau that gives first-time buyers up to six figures in 0% interest down payment and closing-cost assistance when they purchase a home in the city.

Eligible for: First-time homebuyers purchasing a primary residence within Portland city limits who work with a Homebuying Counselor at a listed community …

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…

Disaster-recovery Down Payment Assistance (DPA) program that helps wildfire survivors become first-time homebuyers again by providing large forgivable loans for down payment and closing costs in Oregon’s 2020 disaster-impacted counties.

Eligible for: Households in Clackamas, Douglas, Jackson, Klamath, Lane, Lincoln, Linn, or Marion counties whose homes were damaged or destroyed by the 202…

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…

National Chenoa Fund down payment assistance offered in Louisiana, providing 3.5%–5% of the purchase price as a second mortgage on FHA loans, with options for forgivable or repayable assistance.

Eligible for: FHA borrowers in Louisiana with at least a 600 middle credit score who qualify for an FHA first mortgage and work with a Chenoa-approved len…

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)…

This partner-facing page shows lenders how KHC’s down payment assistance and home buyer tax credits work together to make homeownership possible and more affordable for Kentuckians who might otherwise be priced out.

Eligible for: Designed for KHC lending partners originating KHC loans for Kentucky homebuyers; borrowers must qualify for KHC first-mortgage programs, mee…

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…

NeighborImpact’s First Time Homebuyer DPA is a Central Oregon program that adds a low-interest second mortgage up to 20% of the purchase price on top of a primary loan, helping first-time buyers bridge their down payment and closing-cost gap without resorting to high-cost financing.

Eligible for: Low- to moderate-income first-time homebuyers (no ownership in past 3 years) whose income is at or below area median income (AMI), who will …

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…

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…

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…