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 …

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…

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…

St. Louis County’s 1st HOME Down Payment Loan provides a zero-interest second mortgage to help first-time buyers cover down payment and closing costs. The program uses federal HOME funds to boost affordability for households that can qualify for a primary mortgage but lack enough cash to close.

Eligible for: Income-eligible first-time homebuyers purchasing an owner-occupied home in St. Louis County (and designated participating areas), who meet H…

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…

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…

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…

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…

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)…

Proud Ground’s Portland Down Payment Assistance Grant is a high-impact, city-funded grant that can provide up to $150,000 toward down payment costs, making homeownership in Portland significantly more attainable for income-qualified first-time buyers.

Eligible for: First-time homebuyers purchasing a home within Portland city limits who meet household income limits, currently live in the city, qualify fo…

Madison’s Home-Buy the American Dream (HBAD) program offers up to $35,000 in 0% shared-appreciation assistance to help first-time buyers cover down payment and closing costs on homes within city limits, paired with mandatory education and property quality inspections.

Eligible for: Low- to moderate-income first-time homebuyers purchasing a single-family home, condominium, or one-half duplex in the City of Madison; must …