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Georgia Dream Homeownership Program

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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…

Funding: Standard Georgia Dream down payment assistance provides up to 10,000 dollars, with enhanced PEN and CHOICE options offering up to 12,500 dollars for eligible public service workers or households that include a person with a disability, structured as a second loan with no monthly payments that becomes due when the home is sold, refinanced, or no longer the buyer's primary residence.Deadline: Rolling, subject to funding and participating lender pipelineRollingStatewidehomebuyerfirst-time homebuyerveteran homebuyerlow-income homebuyerGeorgia residentdown payment assistanceclosing cost assistancesecond mortgageno monthly paymentaffordable mortgagestate HFA loanhomebuyer education required

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HOMEownership Down Payment & Closing Cost Assistance Program

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Virginia Department of Housing and Community Development (DHCD)VAFirst-Time HomeownerStatewide HOMEownership DPA program administered by Virginia DHCD that provides gap financing as a deferred, low- or no-interest loan layered with an eligible first mortgage to cover down payment and closing costs for income-eligible first-time buyers.

Updated: Dec 6, 2025

Statewide program offering deferred loan assistance to help first-time homebuyers with down payment and closing cost in Virginia.

Eligible for: First-time homebuyers, income at or below 80% AMI (for the HOME DPA); some pilot option up to 60% AMI with up to $50,000 assistance.

Funding: Provides up to 10–15% of the home’s sales price as down payment assistance plus up to $2,500 for closing costs, with a typical maximum benefit of $40,000 and enhanced pilot options offering up to approximately $50,000 in certain areas; all assistance is structured as a deferred loan repaid only upon sale, refinance, or other triggering events.Deadline: Rolling / subject to local provider funding (Virginia Housing)RollingStatewidehomebuyerfirst-time homebuyerlow-income homebuyermoderate-income homebuyerVirginia homebuyerdown payment assistanceclosing cost assistancedeferred loangap financingstatewide programhomebuyer education required

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Ohio First-Time Homebuyer Assistance Programs

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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…

Funding: Does not offer a single grant or fixed benefit; instead it summarizes multiple Ohio mortgage, down payment assistance, and grant programs, each with its own benefit amounts, percentages, and limits.Deadline: N/A (editorial overview; deadlines vary by referenced program)N/AStatewidehomebuyerfirst-time homebuyerOhio homebuyerprogram directoryeditorial guidedown payment assistancemortgage assistancegrant overview

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Homestretch Down Payment Assistance Program – Gwinnett County

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Gwinnett County Housing and Community DevelopmentGAFirst-Time HomeownerGwinnett County HUD funded Homestretch down payment assistance offered as a zero percent interest five year deferred second mortgage that is fully forgiven after five years of continuous owner occupancy.

Updated: Dec 6, 2025

County-level down payment assistance program offering up to $10,000 in a zero-interest deferred loan to help first-time buyers purchase homes in Gwinnett County.

Eligible for: First-time homebuyers purchasing an affordable home in Gwinnett County within program purchase price limits; must complete an eight-hour HUD…

Funding: Provides up to 10,000 dollars in down payment assistance as a zero percent interest deferred loan with no monthly payments that is forgiven in full after five years of owner occupancy.Deadline: Rolling, first-come first-served while program funds are availableRollingLocalhomebuyerfirst-time homebuyerlow-income homebuyerGwinnett County residentdown payment assistanceclosing cost assistance0% interestforgivable loandeferred second mortgagecounty programHUD funded

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City of Greenville – Down Payment Assistance Programs

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City of Greenville – Community Development DivisionNCFirst-Time HomeownerCity of Greenville down payment assistance combining a ten percent no interest loan and a twenty percent HOME grant, calculated as a percentage of the home purchase price for eligible buyers in designated target areas.

Updated: Dec 6, 2025

Suite of down payment and closing cost assistance options in Greenville, NC, combining a 0% interest loan and HOME grant funds to help first-time buyers purchase in targeted neighborhoods.

Eligible for: Low- to moderate-income first-time homebuyers purchasing an owner-occupied home within designated target areas inside Greenville city limits…

Funding: Provides assistance as a ten percent no interest loan plus a twenty percent HOME grant based on the purchase price, reducing both cash needed at closing and the long term cost of ownership for eligible homes in Greenville target areas.Deadline: Rolling, first-come, first-served while local program funds are availableRollingLocalhomebuyerfirst-time homebuyerlow-income homebuyermoderate-income homebuyerGreenville residentdown payment assistanceclosing cost assistance0% interestHOME granttarget-area incentivecity programdeferred loan

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NC 1st Home Advantage Down Payment

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North Carolina Housing Finance Agency (NCHFA)NCFirst-Time HomeownerFlat fifteen thousand dollar zero percent interest deferred second mortgage that is forgiven over years eleven through fifteen when the buyer keeps the home as a primary residence.

Updated: Dec 6, 2025

North Carolina’s NC 1st Home Advantage Down Payment program provides a flat $15,000 in down payment help for qualifying first-time buyers and veterans using an NC Home Advantage Mortgage™.

Eligible for: First-time home buyers and eligible military veterans in North Carolina who qualify for an NC Home Advantage Mortgage™, meet income and purc…

Funding: Provides a flat fifteen thousand dollars in down payment assistance as a zero percent interest deferred second mortgage that is fully forgiven by year fifteen for buyers who remain in the home.Deadline: Rolling, subject to funding and NC Home Advantage Mortgage™ availabilityRollingStatewidehomebuyerfirst-time homebuyerveteran homebuyerlow-income homebuyerNorth Carolina residentdown payment assistance0% interestdeferred loanforgivable loansecond mortgagestate HFA loanveteran benefit

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Warner Robins First-Time Homebuyer Purchase Assistance Program

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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…

Funding: Provides up to 5,000 dollars of the home purchase price toward down payment and closing costs as a subordinate assistance product tied to owner occupancy and local program guidelines.Deadline: Rolling / subject to local funding availabilityRollingLocalhomebuyerfirst-time homebuyerlow-income homebuyerWarner Robins residentdown payment assistanceclosing cost assistancesubordinate loanlocal programfirst-time homebuyer assistance

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Down Payment Assistance for First-Time Homebuyers – City of Perth Amboy

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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…

Funding: Generally offers up to approximately twenty five thousand dollars in assistance toward down payment and eligible closing costs for qualifying first time buyers within Perth Amboy, with exact limits determined by funding round.Deadline: Rolling / subject to city funding availabilityRollingLocalhomebuyerfirst-time homebuyerlow-income homebuyermoderate-income homebuyerPerth Amboy residentdown payment assistanceclosing cost assistancedeferred loanforgivable loancity program

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Atlanta Housing Down Payment Assistance Program

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Atlanta HousingGAFirst-Time HomeownerAtlanta Housing community second down payment assistance structured as a zero percent interest subordinate subsidy loan that helps cover down payment and closing costs and is typically forgiven after a required owner occupancy period.

Updated: Dec 6, 2025

City of Atlanta down payment assistance program providing up to $25,000 in a community second loan to help first-time homebuyers cover down payment and closing costs.

Eligible for: First-time homebuyers or those who have not owned a home in the last three years, purchasing an owner-occupied home within the City of Atlan…

Funding: Provides up to 20,000 dollars in down payment assistance for eligible first time buyers and up to 25,000 dollars for qualifying public safety, healthcare, education, military, veteran, and voucher households, structured as a zero percent interest forgivable community second loan with no monthly payments.Deadline: Rolling, subject to available funding and lender approvalRollingLocalhomebuyerfirst-time homebuyerlow-income homebuyerpublic safety workerhealthcare workereducatormilitary homebuyerveteran homebuyervoucher holderAtlanta residentdown payment assistanceclosing cost assistance0% interestforgivable loancommunity secondcity programfrontline worker incentive

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DreamMaker Home Purchase Assistance Program

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City of Savannah Housing & Neighborhood Services DepartmentGAFirst-Time HomeownerCity of Savannah administered 2 percent interest 30 year deferred payment second mortgage that can be layered with a first mortgage to provide down payment, closing cost, and gap financing assistance to eligible buyers.

Updated: Dec 6, 2025

City of Savannah’s flagship DreamMaker program offers substantial, low-interest deferred loans—up to $50,000—for down payment, closing costs, and gap financing to help first-time buyers purchase homes within Savannah.

Eligible for: Income-eligible first-time homebuyers purchasing a primary residence within Savannah city limits; must complete approved homebuyer education…

Funding: Provides up to 50,000 dollars as a 2 percent interest 30 year deferred payment loan for homes developed in partnership with the City of Savannah and up to 30,000 dollars as a 2 percent interest 30 year deferred payment loan for other eligible properties, usable toward down payment, closing costs, and gap financing.Deadline: Rolling / first-come, first-served while funds are availableRollingLocalhomebuyerfirst-time homebuyerlow-income homebuyerSavannah residentdown payment assistanceclosing cost assistancegap financing2% interestdeferred loansecond mortgagecity program

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Your Choice! Down Payment Assistance Program – Ohio (overview)

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Ohio Housing Finance AgencyOHFirst-Time HomeownerStatewide down payment assistance from the Ohio Housing Finance Agency that lets eligible borrowers using an OHFA first mortgage choose either two and a half or five percent of their loan amount to apply toward down payment, closing costs, or other pre-closing expenses.

Updated: Dec 6, 2025

FHA.com’s Ohio grants page highlights OHFA’s “Your Choice!” Down Payment Assistance Program, which provides 2.5% or 5% of the loan amount to help cover down payment and closing costs for qualifying Ohio homebuyers.

Eligible for: Homebuyers in Ohio using an OHFA 30-year fixed-rate FHA, VA, USDA-RD, or conventional mortgage who meet OHFA income and purchase price limit…

Funding: Provides assistance equal to either 2.5% or 5% of the total OHFA first-mortgage loan amount, which can be used toward down payment, closing costs, or other pre-closing expenses for eligible Ohio buyers.Deadline: Rolling / subject to OHFA funding and participating lendersRollingStatewidehomebuyerfirst-time homebuyerlow-income homebuyermoderate-income homebuyerOhio homebuyerdown payment assistanceclosing cost assistancepercentage-based assistancestatewide programOHFA program

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Programs for Ohio First Time Homebuyers

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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; …

Funding: This page summarizes multiple assistance options such as OHFA Your Choice Down Payment Assistance, Grants for Grads, Mortgage Tax Credits, and community based grants, with benefit amounts and percentages that vary by the underlying program rather than a single fixed grant amount.Deadline: Varies by referenced programVariesStatewidehomebuyerfirst-time homebuyerrepeat homebuyerOhio homebuyerprogram directorylender resourcedown payment assistancegrant overviewmortgage tax creditstatewide program

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