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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 Columbus – Community Reinvestment / Housing DivisionGAFirst-Time HomeownerCity of Columbus first time homebuyers program that provides substantial down payment and closing cost assistance as a subordinate low or no interest loan or forgivable lien layered with an affordable first mortgage.
Updated: Dec 6, 2025
The Columbus First-Time Homebuyers Program delivers up to $30,000 in assistance to help qualified buyers cover down payment and closing costs on homes within the City of Columbus.
Eligible for: Income-eligible first-time homebuyers (no home in past 3 years) purchasing an owner-occupied home within Columbus city limits; must meet pro…
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…
SoFiVAFirst-Time HomeownerEditorial overview that summarizes multiple Virginia first-time homebuyer and down payment assistance programs, including Virginia Housing and DHCD offerings and local city and county initiatives, rather than providing direct financial assistance.
Updated: Dec 6, 2025
Editorial overview page that explains key Virginia first-time homebuyer programs and links out to statewide and local down payment and closing cost assistance options.
Eligible for: First-time (and some repeat) homebuyers researching Virginia programs; eligibility depends on the specific state or local program (income, c…
City of Augusta – Housing & Community Development DepartmentGAFirst-Time HomeownerCity of Augusta first time homebuyers program that provides local down payment and closing cost assistance as a subordinate low or no interest loan or forgivable grant tied to owner occupancy and paired with an affordable first mortgage.
Updated: Dec 6, 2025
City of Augusta’s First-Time Homebuyers Program provides up to $5,000 toward down payment and closing costs to help low- and moderate-income buyers become homeowners.
Eligible for: Income-eligible first-time homebuyers (no home ownership in the past 3 years) purchasing an owner-occupied home within Augusta city limits; …
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…
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…
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…
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…
Virginia HousingVAFirst-Time HomeownerStatewide Virginia Housing grant that provides true, non-repayable down payment assistance when paired with an eligible Virginia Housing first mortgage, subject to income, sales-price, and location limits.
Updated: Dec 6, 2025
Statewide true grant for down payment assistance that never requires repayment when paired with a Virginia Housing loan.
Eligible for: Qualified first-time homebuyer or repeat buyer purchasing in Areas of Economic Opportunity, income and sales-price limits apply, must use a …
Florida Housing Finance CorporationFLFirst-Time HomeownerStatewide Florida Housing Hometown Heroes program that provides a 0% interest, non-amortizing second mortgage to cover down payment and closing costs for eligible frontline workers, layered on top of a Florida Housing first mortgage.
Updated: Dec 6, 2025
Dedicated to eligible frontline community workers, this program provides meaningful assistance for down payment and closing cost support to help make homeownership more attainable in Florida.
Eligible for: First-time homebuyers (or veterans/active duty) in Florida frontline occupations (e.g., education, healthcare, public safety), must purchase…
Housing Finance Authority of Pinellas CountyFLFirst-Time HomeownerMulti-county Housing Finance Authority program that pairs a fixed-rate first mortgage with a 0% interest, deferred second mortgage (Home Key Plus 2nd Mortgage) to provide down payment and closing cost assistance for eligible buyers in Pinellas, Pasco, and Polk counties.
Updated: Dec 6, 2025
Zero-interest Home Key Plus 2nd Mortgage down payment assistance for first-time homebuyers in Pinellas, Pasco, and Polk counties, paired with an HFA first mortgage.
Eligible for: First-time homebuyers, veterans, or buyers who have not owned a home in the past 3 years; minimum 660 credit score; must complete an approve…
Housing Finance Authority of Hillsborough CountyFLFirst-Time HomeownerCounty-level Housing Finance Authority program that pairs a fixed-rate first mortgage with a 0% interest, deferred second mortgage to provide down payment and closing cost assistance for income-eligible first-time buyers in Hillsborough County.
Updated: Dec 6, 2025
County-level down payment assistance via a 0% interest second mortgage that helps first-time buyers in Hillsborough County cover down payment and closing costs.
Eligible for: First-time homebuyers in Hillsborough County (with some exceptions in HUD-targeted areas); must purchase and occupy a primary residence in H…
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