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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.

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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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Camden County First Time Home Buyers Program

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Camden County Division of Housing Services / Camden County Improvement AuthorityNJFirst-Time HomeownerCamden County zero percent interest non amortizing second mortgage that provides deferred and forgivable assistance loans for down payment and closing costs for eligible first time buyers.

Updated: Dec 6, 2025

County-level homebuyer assistance for first-time buyers to cover down payment and/or closing costs, promoting affordable ownership in Camden County.

Eligible for: First-time homebuyers in Camden County (outside certain boroughs) meeting income and purchase price limits, must attend homebuyer education,…

Funding: Offers up to twenty five thousand dollars in assistance as a zero percent interest non amortizing loan that is fully forgiven after five years for smaller amounts or after ten years for assistance between fifteen thousand and twenty five thousand dollars, provided buyers meet owner occupancy requirements.Deadline: Rolling / funds first-come first-served RollingCountyhomebuyerfirst-time homebuyerlow-income homebuyermoderate-income homebuyerCamden County residentdown payment assistanceclosing cost assistance0% interestforgivable loancounty programdeferred loan

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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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Homebuyer Down Payment Assistance Program

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Gloucester County Office of Housing & Community DevelopmentNJFirst-Time HomeownerGloucester County zero percent interest deferred payment second mortgage that provides up to twenty five thousand dollars for closing costs and down payment, forgiven after a required period of owner occupancy.

Updated: Dec 6, 2025

County-wide down payment / closing cost assistance helping renters with incomes to make the leap to homeownership.

Eligible for: Low- and moderate-income first-time homebuyers (no home ownership in last 3 years) within Gloucester County, NJ; must complete HUD-approved …

Funding: Provides up to twenty five thousand dollars as a zero percent interest deferred loan used first for eligible closing costs and then for down payment, secured by a lien that is forgiven after the buyer satisfies a five to ten year owner occupancy requirement.Deadline: Rolling / while funds last RollingCountyhomebuyerfirst-time homebuyerlow-income homebuyermoderate-income homebuyerGloucester County residentdown payment assistanceclosing cost assistance0% interestdeferred loanforgivable loancounty program

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Fulton Homeownership Program (HOP) – Fulton County

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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…

Funding: Offers up to 15,000 dollars in down payment and closing cost assistance as a 0 percent interest deferred payment second mortgage that carries no monthly payments and is forgiven after a multiyear affordability period, typically six or eleven years depending on the assistance amount and program guidelines.Deadline: Rolling, while funding is availableRollingLocalhomebuyerfirst-time homebuyerlow-income homebuyerFulton County residentdown payment assistanceclosing cost assistance0% interestdeferred loanforgivable loansecond mortgagecounty program

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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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City of Rocky Mount – Down Payment Assistance Program

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City of Rocky MountNCFirst-Time HomeownerCity of Rocky Mount zero percent interest deferred payment loans funded with CDBG, HOME, and local dollars to cover down payment, closing costs, upfront mortgage insurance, and gap financing for first time buyers.

Updated: Dec 6, 2025

High-impact down payment and closing cost assistance of up to $40,000–$50,000 for low-income first-time buyers purchasing in Rocky Mount, with targeted neighborhood bonuses and long-term forgivable terms.

Eligible for: First-time homebuyers (no ownership in the last 3 years) with household incomes at or below 80% AMI purchasing a primary residence within Ro…

Funding: Offers deferred payment loans up to forty thousand dollars citywide with an additional ten thousand dollar incentive available in designated target neighborhoods, for a potential total of up to fifty thousand dollars in assistance that is forgiven over multi year affordability periods with no monthly payment while the home remains owner occupied.Deadline: Rolling; assistance awarded on a first-ready, first-served basis while CDBG/HOME/general funds are availableRollingLocalhomebuyerfirst-time homebuyerlow-income homebuyerRocky Mount residentdown payment assistanceclosing cost assistance0% interestdeferred loanforgivable loantarget-area incentivecity programgap financing

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City of Raleigh Homebuyer Assistance Program

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City of Raleigh Housing & Neighborhoods DepartmentNCFirst-Time HomeownerCity of Raleigh zero interest deferred payment second mortgage that covers down payment and closing costs up to forty five thousand dollars in most areas of the city and up to sixty thousand dollars in designated target areas.

Updated: Dec 6, 2025

Raleigh’s Homebuyer Assistance Program offers up to $45,000–$60,000 in zero-interest deferred loans to help first-time buyers overcome down payment and closing cost barriers.

Eligible for: First-time homebuyers purchasing an owner-occupied home within Raleigh city limits who meet income limits, property price caps, and credit g…

Funding: Offers zero interest deferred loans up to forty five thousand dollars in most areas of Raleigh and up to sixty thousand dollars in designated target areas to cover down payment and closing costs for eligible buyers.Deadline: Rolling, first-come first-served while program funding is availableRollingLocalhomebuyerfirst-time homebuyerlow-income homebuyermoderate-income homebuyerRaleigh residentdown payment assistanceclosing cost assistance0% interestdeferred loancity programtarget-area incentivelarge assistance amount

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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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Housing Connect GSO – Homebuyer Assistance Program

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City of Greensboro – Housing & Neighborhood Development / Housing Connect GSONCFirst-Time HomeownerCity of Greensboro forgivable zero percent interest subordinate loans that provide tiered down payment and closing cost assistance for income eligible first time buyers, public service heroes, and #100Homes participants within city limits.

Updated: Dec 6, 2025

A multi-tiered down payment and closing cost assistance program in Greensboro offering up to $25,000–$30,000 in forgivable support for first-time homebuyers and public service professionals.

Eligible for: First-time homebuyers (or those who have not owned in 3 years) purchasing a primary residence within Greensboro city limits; must meet incom…

Funding: Offers up to twenty five thousand dollars in assistance for households at or below eighty percent of area median income plus a five thousand dollar bonus in reinvestment or redevelopment areas, and up to twenty thousand dollars plus five thousand to ten thousand dollars in bonuses for moderate income public service heroes and #100Homes buyers, all as forgivable zero percent loans.Deadline: Rolling, first-come, first-served while program funds remain availableRollingLocalhomebuyerfirst-time homebuyerlow-income homebuyermoderate-income homebuyerpublic service workerGreensboro residentdown payment assistanceclosing cost assistance0% interestforgivable loanhero incentivetarget-area incentivecity program

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City of Gastonia – Homebuyer Assistance Program

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City of Gastonia – Housing and Neighborhoods DivisionNCFirst-Time HomeownerHUD HOME funded zero percent interest second mortgage that provides deferred and partially forgivable down payment and closing cost assistance based on household income tier.

Updated: Dec 6, 2025

HOME-funded down payment and closing cost assistance program providing up to $5,000–$10,000 for modest-income buyers in Gaston County and Kings Mountain.

Eligible for: First-time or displaced homebuyers (or those who have not owned a home in the last 3 years) who are residents of eligible Gaston County town…

Funding: Provides standard assistance up to five thousand dollars, with increased maximums of seven thousand five hundred or ten thousand dollars for very low income households, structured as a zero percent interest second mortgage forgiven on a prorated basis over a five year affordability period.Deadline: Rolling, first-come, first-served each program year while HOME funds are availableRollingRegionalhomebuyerfirst-time homebuyerdisplaced homebuyerlow-income homebuyermoderate-income homebuyerGaston County residentKings Mountain residentdown payment assistanceclosing cost assistance0% interestforgivable loanHOME programregional program

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First Time Homebuyers Program – Prince William County

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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…

Funding: Offers down payment and closing cost assistance up to approximately $30,000 in select neighborhoods, with the exact amount varying by income tier and program year and generally structured as a forgivable subordinate loan tied to an affordability period.Deadline: Rolling, first-come first-served while funds lastRollingCountyhomebuyerfirst-time homebuyerlow-income homebuyermoderate-income homebuyerPrince William County residentVirginia homebuyerdown payment assistanceclosing cost assistanceforgivable loancounty programtargeted neighborhoods

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