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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)
City of Memphis – Division of Housing and Community Development, Office of Down Payment AssistanceTNFirst-Time HomeownerCity of Memphis administered zero percent interest deferred second mortgage style assistance that provides up to 10 percent of the home sales price, capped around 25000 dollars, to cover down payment and closing costs for eligible buyers under citywide and targeted incentive tracks.
Updated: Dec 6, 2025
Memphis’s DPA office provides layered, citywide and incentive-based down payment and closing-cost assistance loans so eligible buyers can purchase homes within the city limits with far less upfront cash.
Eligible for: First-time buyers and other eligible purchasers buying within Memphis city limits who meet specific income limits (Citywide DPA typically ≤8…
Colorado Department of Local Affairs – Division of HousingCOFirst-Time HomeownerState Division of Housing grant funding that flows to local governments, tribal governments and nonprofit housing partners so they can create or expand down payment assistance and affordable for sale housing programs that serve low and moderate income homebuyers.
Updated: Dec 6, 2025
State-level DPA funding stream that helps local governments and nonprofits offer down payment assistance and affordable for-sale housing to Colorado homebuyers.
Eligible for: Colorado local governments, tribal governments, and nonprofit housing partners that apply for and receive DOLA/DOH funds to operate homebuye…
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…
Clark County Treasurer’s Office in partnership with Washington State Housing Finance CommissionWAFirst-Time HomeownerClark County American Rescue Plan funded and Washington State Housing Finance Commission partnered downpayment assistance program that provides up to 60,000 dollars as a simple interest deferred second mortgage layered on a WSHFC first mortgage.
Updated: Dec 6, 2025
County-level DPA program in partnership with WSHFC providing up to $60,000 in low-interest, deferred assistance for income-eligible first-time buyers in Clark County.
Eligible for: First-time homebuyers (no home owned in past three years) purchasing a primary residence in Clark County with a purchase price ≤$600,000, ap…
City of Warner Robins – Community & Economic DevelopmentGAFirst-Time HomeownerCity of Warner Robins first time homebuyer purchase assistance structured as a subordinate down payment and closing cost assistance loan or grant that is layered with an affordable first mortgage for income eligible buyers purchasing within city limits.
Updated: Dec 6, 2025
Local first-time homebuyer purchase assistance program in Warner Robins that offers up to $5,000 toward down payment and closing costs on homes in the city.
Eligible for: Income-eligible first-time homebuyers (no homeownership in the last 3 years) purchasing an owner-occupied home within Warner Robins city lim…
Fulton County Community Development – Homeownership ProgramGAFirst-Time HomeownerFulton County Community Development zero percent interest deferred payment second mortgage program that provides down payment and closing cost assistance to low and moderate income first time homebuyers in eligible parts of the county.
Updated: Dec 6, 2025
Fulton County’s HOP provides up to $15,000 in zero-interest, deferred down payment and closing cost assistance to help first-time buyers purchase homes in qualifying parts of the county.
Eligible for: First-time homebuyers purchasing an owner-occupied home in eligible parts of Fulton County (generally outside certain municipalities such as…
First Ohio Home Finance, Inc.OHFirst-Time HomeownerLender overview page describing how First Ohio Home Finance packages OHFA backed mortgages, down payment assistance, grants, and tax credit products for eligible Ohio first time buyers rather than providing a standalone grant.
Updated: Dec 6, 2025
Lender overview page describing OHFA-backed and other assistance programs available to Ohio first-time homebuyers through First Ohio Home Finance.
Eligible for: Ohio first-time homebuyers (and some repeat buyers) who meet income, credit, and purchase price requirements for OHFA and partner programs; …
Housing Opportunities Made Equal of Virginia (HOME of VA)VAFirst-Time HomeownerHUD-approved nonprofit counseling and education services that provide free pre-purchase guidance, group homebuyer classes, credit and budget coaching, and fair housing support to Virginians preparing for homeownership, often used alongside state and local down payment assistance programs.
Updated: Dec 6, 2025
Nonprofit HUD-approved counseling agency providing free homeownership education, credit and budget coaching, and fair housing support, frequently paired with Virginia Housing, DHCD, and local DPA programs.
Eligible for: Prospective and current homebuyers in Virginia seeking education, counseling, or help planning for homeownership, resolving credit issues, o…
Prince William County Housing & Community DevelopmentVAFirst-Time HomeownerCounty-level first-time homebuyer program that provides down payment and closing cost assistance, typically as a subordinate forgivable loan, to help income-eligible buyers purchase owner-occupied homes in Prince William County.
Updated: Dec 6, 2025
County-level first-time buyer assistance program in Prince William County, Virginia, covering down payment and closing cost support for eligible buyers.
Eligible for: First-time homebuyers purchasing an owner-occupied home in Prince William County, meeting income and purchase-price limits, completing homeb…
Georgia Department of Community Affairs – Georgia DreamGAFirst-Time HomeownerGeorgia Department of Community Affairs statewide housing finance agency program that offers affordable 30 year fixed rate first mortgages paired with second loan down payment and closing cost assistance for eligible buyers.
Updated: Dec 6, 2025
Statewide first-time homebuyer program providing affordable 30-year fixed-rate mortgages with layered down payment and closing cost assistance for Georgia residents.
Eligible for: Primarily first-time homebuyers in Georgia (or those who have not owned a home in the last three years), plus certain exceptions for veteran…
BankrateOHFirst-Time HomeownerConsumer-facing editorial guide that explains how major Ohio programs like the OHFA Homebuyer Program, OHFA down payment assistance, and local city and county grants work rather than providing funding directly.
Updated: Dec 6, 2025
Editorial guide that explains Ohio’s main first-time homebuyer assistance programs and points readers to statewide and local options, including OHFA and various city/county initiatives.
Eligible for: First-time homebuyers researching assistance options in Ohio; readers are directed to program administrators like OHFA, county housing offic…
City of Perth Amboy – Housing & Community Development DepartmentNJFirst-Time HomeownerCity of Perth Amboy municipal down payment and closing cost assistance typically structured as a subordinate deferred or forgivable loan tied to owner occupancy requirements for first time buyers.
Updated: Dec 6, 2025
Municipal down payment assistance for eligible first-time buyers in Perth Amboy, helping bridge the upfront cost to ownership.
Eligible for: First-time homebuyers purchasing in the City of Perth Amboy; must meet income/purchase price limits and complete homebuyer education; proper…
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