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Find every first-time home buyer grant & down payment assistance program in the U.S.
$0 – $100,000+ in free money. Updated daily across all 50 states + DC. Compare programs from HUD-approved agencies, lenders, cities, and state housing authorities in one place.
2000+ programs listed • Verified by HUD & state agencies
Latest opportunities (2013)
Prince George’s County Department of Housing and Community DevelopmentMDFirst-Time HomeownerCounty level down payment and closing cost assistance provided as a subordinate loan of up to 50000 dollars that is layered with a Maryland Mortgage Program 1st Time Advantage first mortgage for eligible buyers in Prince George's County.
Updated: Dec 6, 2025
Large county-level down payment and closing-cost assistance program layered with the Maryland Mortgage Program to help first-time buyers purchase in Prince George’s County.
Eligible for: First-time homebuyers (no ownership in prior 3 years) purchasing an owner-occupied home anywhere in Prince George’s County; must meet income…
MI Home Loan
OpenMichigan State Housing Development AuthorityMIFirst-Time HomeownerFlagship Michigan State Housing Development Authority first mortgage program that offers 30 year fixed rate FHA, VA, USDA RD or conventional loans through approved lenders and can be paired with MSHDA down payment assistance such as the MI 10K DPA Loan for eligible buyers.
Updated: Dec 6, 2025
Statewide fixed-rate mortgage product for Michigan first-time and targeted-area buyers, with optional down payment assistance to reduce upfront costs.
Eligible for: First-time homebuyers statewide and repeat buyers in federally targeted areas; must meet MSHDA income and purchase price limits, minimum cre…
Michigan State Housing Development AuthorityMIFirst-Time HomeownerState administered deferred payment loan of up to 25000 dollars funded with a limited statewide allocation that covers down payment, closing costs and prepaid expenses for qualifying first generation homebuyers and is typically layered with an MI Home Loan first mortgage.
Updated: Dec 6, 2025
Pilot statewide program offering up to $25,000 in assistance to first-generation Michigan homebuyers to overcome generational wealth and savings gaps.
Eligible for: First-generation homebuyers in Michigan whose parents or legal guardians have never owned a home; must meet MSHDA income and purchase price …
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…
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,…
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…
City of Bowie – Office of Grant Development & AdministrationMDFirst-Time HomeownerLocal closing cost assistance grant layered with a Maryland Mortgage Program first mortgage, where the City of Bowie provides a 2000 dollar grant that is typically matched by a 2000 dollar MMP grant for eligible buyers.
Updated: Dec 6, 2025
“Bowie First” is a targeted home buyer assistance grant that helps Bowie workers and residents with disabilities cover closing costs when buying a home in the city, often doubling via an MMP match.
Eligible for: Teachers, police officers, City of Bowie employees, and persons with disabilities purchasing a primary residence within Bowie city limits; b…
Down Payment Assistance – Loan Program for First-Time Homebuyers
Temporarily ClosedCity of Aurora – Community Development / Housing & Community ServicesCOFirst-Time HomeownerCity level Home Ownership Assistance Program that historically offered up to 10000 dollars in zero percent interest, no payment silent second loans funded with HOME and local dollars to cover down payment and closing costs for eligible first time buyers, with repayment due when the home is sold, refinanced or no longer owner occupied; the program is currently paused for restructuring.
Updated: Dec 6, 2025
Aurora’s HOAP down payment assistance loan program for first-time buyers, currently paused but historically offering up to $10,000 in zero-interest “silent second” assistance for down payment and closing costs.
Eligible for: First-time (and “first-time equivalent”) homebuyers purchasing a primary residence in Aurora city limits who meet low- to moderate-income gu…
Maryland Department of Housing and Community Development – Maryland Mortgage ProgramMDFirst-Time HomeownerStatewide menu of 30 year fixed rate government and conventional mortgages bundled with multiple down payment and closing cost assistance options including Loan Assist, Grant Assist, Partner Match and specialty products such as HomeAbility and Maryland SmartBuy.
Updated: Dec 6, 2025
Statewide overview of MMP’s 1st Time Advantage, Flex, Loan Assist, Grant Assist, Partner Match, and specialty products that bundle affordable mortgages with down payment and closing-cost help.
Eligible for: Maryland homebuyers who meet MMP income and purchase-price limits, qualify for an eligible government or conventional 30-year fixed mortgage…
Frederick County Division of Housing / Department of Housing and Community DevelopmentMDFirst-Time HomeownerCounty administered zero percent interest deferred payment second loan that provides down payment and closing cost assistance up to 12000 dollars for qualifying first time buyers in Frederick County.
Updated: Dec 6, 2025
Frederick County’s HAP program offers zero-interest, deferred loans up to $12,000 to help limited-resource first-time buyers cover down payment and closing costs on homes in the county.
Eligible for: First-time homebuyers who live and/or work in Frederick County, have total gross household income at or below 80% of the Washington, DC MSA …
Fort Wayne Housing AuthorityINFirst-Time HomeownerPublic housing authority homeownership initiative under HUD Section 32 that converts selected public housing or authority owned units into affordable for sale homes for eligible assisted families, using discounted purchase prices, rehabbed units that meet HUD standards and in some cases ongoing voucher or subsidy support to keep monthly ownership costs affordable.
Updated: Dec 6, 2025
FWHA’s Section 32 Homeownership Program converts certain public housing or authority-owned units into affordable, for-sale homes for qualified low-income families, often leveraging voucher or subsidy structures to support ownership.
Eligible for: Low-income families participating in FWHA programs (often Housing Choice Voucher or public housing residents) who are first-time buyers, com…
MassHousingMAFirst-Time HomeownerState housing finance agency second mortgage program that offers structured deferred and amortizing loans layered on top of MassHousing first mortgages to cover a portion of the buyer's down payment and closing costs.
Updated: Dec 6, 2025
MassHousing’s flagship down payment assistance program providing up to $30,000 statewide via structured second mortgages layered on top of MassHousing first loans.
Eligible for: Income-eligible first-time homebuyers purchasing a 1–4 unit primary residence (single-family, condo, or 2–4 family) in Massachusetts who pai…
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