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

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Housing Programs – City of Salem

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City of Salem, MA – Department of Planning & Community DevelopmentMAFirst-Time HomeownerCity housing office that uses local, state and federal funds to offer first time homebuyer down payment assistance loans, housing rehabilitation loans and landlord assistance programs alongside broader housing stability resources.

Updated: Dec 6, 2025

City of Salem housing resource hub featuring the First-Time Homebuyer Downpayment Assistance Loan Program plus rehab, landlord, and housing stability programs for residents.

Funding: The First-Time Homebuyer Downpayment Assistance Loan Program provides down payment assistance loans to income eligible buyers purchasing in Salem, while separate rehab and landlord programs offer financing for owner occupied and investor owned properties; specific loan sizes and terms are defined in individual program guidelines rather than as a single flat grant amount on this overview page.Deadline: Low- and moderate-income first-time homebuyers seeking to purchase a primary residence within Salem city limits who can provide required matching funds and meet program income and underwriting guidelines; separate rehab and landlord assistance programs serve income-eligible owners and landlords of 1–7 unit properties.RollingLocalhomebuyerfirst-time homebuyerlow-income homebuyerhomeownerlandlordSalem residentdown payment assistancerehabilitation loanlandlord assistancehousing stabilityhomebuyer education

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Down Payment Assistance Programs

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Indiana Housing and Community Development AuthorityINFirst-Time HomeownerState housing finance authority menu of down payment assistance options that layer forgivable and deferred second mortgage loans of set percentages of the purchase price on top of 30 year fixed rate IHCDA first mortgages to reduce required cash to close for eligible buyers.

Updated: Dec 6, 2025

Statewide hub page that describes IHCDA’s menu of down payment assistance programs, including forgivable and deferred second-mortgage options that can be layered with IHCDA first mortgages.

Eligible for: Income- and purchase price-eligible homebuyers in Indiana working with an IHCDA participating lender; must meet program-specific credit, deb…

Funding: Describes IHCDA products such as First Place or First Step that can provide up to about 6 percent of the purchase price as a forgivable second mortgage and Next Home options that offer up to roughly 3.5 percent as a deferred second loan that is repaid if the home is sold, refinanced or no longer a primary residence within a defined period.Deadline: Rolling; available statewide through participating lenders while IHCDA program funding remains.RollingStatewidehomebuyerfirst-time homebuyerrepeat homebuyerIndiana residentlow-income homebuyerdown payment assistanceclosing cost assistanceforgivable loansecond mortgageaffordable mortgage

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Mortgage Credit Certificate (MCC) Program

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Indiana Housing and Community Development AuthorityINFirst-Time HomeownerState administered mortgage credit certificate program that allows eligible homebuyers to claim a set percentage of their annual mortgage interest as a dollar for dollar federal income tax credit each year, up to 2000 dollars annually, for as long as they live in the home and keep the original loan.

Updated: Dec 6, 2025

Statewide tax-credit program that reduces federal income tax for eligible Indiana homebuyers by converting a portion of their mortgage interest into a dollar-for-dollar tax credit each year.

Eligible for: First-time homebuyers (with exceptions for targeted areas and qualifying veterans) who meet IHCDA income and acquisition price limits, obtai…

Funding: Provides a federal income tax credit equal to a program defined percentage of annual mortgage interest paid, commonly around 20 to 25 percent, capped at 2000 dollars per year for the life of the original mortgage while the borrower lives in the home, reducing after tax housing costs instead of providing cash at closing.Deadline: Rolling; available while IHCDA MCC allocation lasts and must be reserved at loan application through a participating lender.RollingStatewidehomebuyerfirst-time homebuyerveteranIndiana residentlow-income homebuyermortgage credit certificatetax creditlong-term affordabilityfirst-time homebuyer benefit

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Down Payment Assistance Program

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City of Tucson Housing and Community DevelopmentAZFirst-Time HomeownerLocally administered deferred payment down payment assistance loan funded with HOME and related resources that can cover up to 20 percent of the contract sales price, with no monthly payments and repayment generally due if the home is sold or no longer a primary residence during the affordability period.

Updated: Dec 6, 2025

Tucson and Pima County down payment assistance loan program offering up to 20% of the purchase price in support for income-eligible first-time buyers.

Eligible for: First-time homebuyers purchasing a primary residence in the City of Tucson or Pima County (excluding Tribal lands) with household income at …

Funding: Provides a deferred payment assistance loan of up to 20 percent of the contract sales price that can be applied to down payment and allowable closing costs on eligible homes in Tucson and Pima County, subject to purchase price limits and affordability review.Deadline: Rolling; available while local HOME/related funds remain.RollingRegionalhomebuyerfirst-time homebuyerlow-income homebuyerTucson residentPima County residentdown payment assistanceclosing cost assistancedeferred loanaffordable homeownershiphomebuyer education

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First-Time Homebuyers in Massachusetts

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MassHousingMAFirst-Time HomeownerState housing finance agency platform that delivers affordable 30 year fixed rate MassHousing mortgages through participating lenders and allows eligible buyers to add agency backed down payment assistance up to 30000 dollars to reduce cash needed at closing.

Updated: Dec 6, 2025

Statewide MassHousing homebuyer portal offering affordable fixed-rate mortgages, down payment assistance, and homebuyer education to first-time and modest-income buyers across Massachusetts.

Eligible for: Households with modest incomes purchasing a 1–4 unit primary residence (single-family, condo, or 2–4 family) anywhere in Massachusetts who m…

Funding: MassHousing mortgages can be combined with down payment assistance of up to 30000 dollars statewide to help eligible first time and modest income buyers cover down payment and closing costs while keeping monthly payments affordable.Deadline: Rolling; MassHousing loans and assistance are offered year-round through participating lenders, subject to program funding.RollingStatewidehomebuyerfirst-time homebuyerlow-income homebuyerMassachusetts residentowner-occupantdown payment assistanceclosing cost assistanceaffordable mortgagehomebuyer educationlow down payment

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ONE Mortgage Program

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Commonwealth of MassachusettsMAFirst-Time HomeownerState supported affordable mortgage program administered by Massachusetts Housing Partnership that provides a 30 year fixed rate first mortgage with low down payment, no private mortgage insurance and built in interest subsidy and in some variants access to additional down payment or closing cost assistance.

Updated: Dec 6, 2025

Flagship affordable mortgage program offering first-time buyers a low down payment, below-market fixed rate, no PMI, and built-in interest subsidy to keep payments manageable.

Eligible for: Low- and moderate-income first-time homebuyers in Massachusetts who meet MHP income and purchase price limits, complete approved homebuyer e…

Funding: Rather than a flat grant, the program lowers total housing costs through below market interest rates, elimination of private mortgage insurance and, in some cases, layered subsidies and assistance such as ONE plus and ONE plus Boston that together can save borrowers thousands of dollars over the life of the loan and may include targeted down payment or closing cost help.Deadline: Rolling; available through participating ONE Mortgage lenders while program funding and interest-subsidy allocations remain.RollingStatewidehomebuyerfirst-time homebuyerlow-income homebuyerMassachusetts residentlow down paymentno PMIinterest subsidyaffordable mortgagehomebuyer education

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Homeownership Programs – City of Indianapolis

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City of Indianapolis – Department of Metropolitan DevelopmentINFirst-Time HomeownerCity level referral hub that connects residents to nonprofit and community partners that provide homebuyer education, financial coaching, affordable mortgage products and locally funded down payment assistance using a mix of city, state and federal resources.

Updated: Dec 6, 2025

City information hub that directs Indianapolis residents to local nonprofit and partner-run homeownership programs, including education, counseling, and access to down payment assistance or affordable mortgage options.

Eligible for: Residents of Indianapolis/Marion County seeking to become homeowners, typically low- to moderate-income households needing counseling, finan…

Funding: This city information page does not set a single grant size but directs prospective buyers to partner agencies where they may access matched savings, affordable fixed rate mortgage products and down payment or closing cost assistance amounts defined by each partner program.Deadline: Ongoing; individual partner programs have their own application windows and funding timelines.RollingLocalhomebuyerfirst-time homebuyerlow-income homebuyerIndianapolis residenthomebuyer educationcounselingdown payment assistanceaffordable mortgagefinancial coaching

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Homeownership Programs – Your Home

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Colorado Housing and Finance AuthorityCOFirst-Time HomeownerState housing finance authority homeownership platform that offers 30 year fixed rate purchase mortgages which can be combined with CHFA down payment assistance grants or second mortgage loans, supported by education, counseling and equity focused initiatives delivered through a statewide lender network.

Updated: Dec 6, 2025

Central homeownership hub for CHFA, explaining how buyers can get a CHFA loan, add down payment assistance, find lenders, and access education and equity-focused resources.

Eligible for: Colorado homebuyers purchasing a primary residence in the state who meet CHFA income and purchase-price limits, credit and DTI guidelines, a…

Funding: CHFA homeownership programs provide affordable fixed rate first mortgages that can be paired with down payment assistance grant and second mortgage options described on the dedicated CHFA down payment assistance page to reduce required cash to close for eligible buyers.Deadline: Rolling; CHFA programs are available statewide through approved lenders while funding and rate sheets remain active.RollingStatewidehomebuyerfirst-time homebuyerrepeat homebuyerfirst-generation homebuyerColorado residentaffordable mortgagedown payment assistancehomebuyer educationequity-focused program

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Pima Tucson Homebuyer’s Solution (PTHS) and PTHS Advantage

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The Industrial Development Authority of the County of PimaAZFirst-Time HomeownerCounty and city industrial development authority sponsored 30 year fixed rate first mortgages paired with down payment and closing cost assistance structured as second mortgage loans that may be forgivable over time or as grants for certain loan types such as VA, sized as a percentage of the first loan amount.

Updated: Dec 6, 2025

Pima Tucson Homebuyer’s Solution program offering a fixed-rate first mortgage paired with down payment and closing cost assistance for buyers in Pima County, including Tucson.

Eligible for: Homebuyers purchasing an owner-occupied primary residence in Pima County (including the City of Tucson) who qualify for an eligible FHA, VA,…

Funding: Typically offers down payment and closing cost assistance equal to roughly 3 to 5 percent of the first mortgage amount, delivered as a second mortgage that may be forgiven over a defined term or as a grant depending on the specific PTHS product and underlying loan type.Deadline: Rolling; assistance available while program funds and daily rate sheets remain active.RollingCountyhomebuyerfirst-time homebuyerrepeat homebuyerlow-income homebuyerPima County residentdown payment assistanceclosing cost assistanceforgivable loangrantaffordable mortgage

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Arizona Is Home Mortgage Assistance Program

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Arizona Department of HousingAZFirst-Time HomeownerState administered 30 year fixed rate first mortgage paired with substantial down payment and closing cost assistance funded with State Housing Trust and federal American Rescue Plan resources, with higher assistance amounts for buyers at or below 80 percent of area median income and additional support for households up to 120 percent AMI.

Updated: Dec 6, 2025

Statewide Arizona Is Home mortgage assistance initiative offering enhanced down payment help and interest-rate relief so first-time, low- to middle-income buyers can afford a primary residence in Arizona.

Eligible for: First-time, low- to middle-income homebuyers across Arizona who meet HUD first-time buyer definitions, income limits (generally up to 120% o…

Funding: Provides up to 30000 dollars in down payment and closing cost help for eligible first time buyers at or below 80 percent of area median income and up to 20000 dollars for households between 81 and 120 percent AMI, with assistance that can also be used for interest rate buydowns while allocated funds remain available.Deadline: Rolling; subject to statewide funding availability.RollingStatewidehomebuyerfirst-time homebuyerlow-income homebuyermoderate-income homebuyerArizona residentdown payment assistanceclosing cost assistanceinterest rate reductionaffordable mortgage

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Homeownership Programs – City of Boulder

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City of Boulder – Housing & Human ServicesCOFirst-Time HomeownerCity administered homeownership portfolio that combines below market Permanently Affordable homes with Solution Grant down payment grants and zero percent deferred shared appreciation second mortgages such as the H2O: House to Homeownership program and a Middle Income Down Payment Assistance Pilot providing large second loans in exchange for long term deed restrictions.

Updated: Dec 6, 2025

Comprehensive city homeownership portal that includes permanently affordable purchase options plus multiple down payment assistance tools (Solution Grant, H2O, Middle-Income DPA).

Eligible for: Income-qualified homebuyers who live or work in Boulder, purchasing a primary residence in Boulder city limits; specific income caps and ass…

Funding: Depending on the product, assistance can range from Solution Grants of up to 5 percent of the purchase price on select Permanently Affordable and Thistle homes to zero percent shared appreciation second mortgages like H2O and the Middle Income Down Payment Assistance Pilot that can provide up to 100000 to 200000 dollars or as much as 30 percent of the sale price toward down payment and closing costs on market rate homes.Deadline: Rolling; programs operate while local and partner funding lasts, with periodic updates to income limits and available products.RollingLocalhomebuyerfirst-time homebuyermiddle-income homebuyerBoulder residentBoulder workerdown payment assistanceclosing cost assistancegrantshared appreciation loanpermanently affordable housing

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Homeownership Opportunities – Open Doors Down Payment Assistance Program

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City of Phoenix Housing DepartmentAZFirst-Time HomeownerCity of Phoenix deferred payment second mortgage that provides up to 10 percent of the purchase price for down payment and closing costs on an owner occupied home, at zero percent interest with no monthly payments and forgiveness or repayment tied to a long term affordability and occupancy period.

Updated: Dec 6, 2025

City of Phoenix Open Doors Down Payment Assistance Program providing up to 10% of the purchase price for income-eligible first-time buyers purchasing in Phoenix.

Eligible for: First-time homebuyers purchasing an owner-occupied home within Phoenix city limits, earning at or below 80% Area Median Income (AMI), who co…

Funding: Offers a zero percent interest deferred assistance loan equal to as much as 10 percent of the home purchase price for down payment and closing costs on qualifying Phoenix properties, subject to a maximum purchase price threshold and an affordability period that can extend up to 15 years.Deadline: Rolling; available while city funds remain.RollingLocalhomebuyerfirst-time homebuyerlow-income homebuyerPhoenix residentdown payment assistanceclosing cost assistancedeferred loanaffordable homeownershiphomebuyer education

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