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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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Hillsborough County Down Payment Assistance Program (Home Sweet Home Hillsborough)

Open

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…

Funding: Typically provides between $5,000 and $30,000 in 0% interest, deferred second-mortgage assistance that can be applied to down payment and closing costs, with the exact amount based on buyer income, property location, and program guidelines; repayment is generally due only if the home is sold, refinanced, or no longer used as a primary residence.Deadline: Rolling / subject to program funding and county guidelinesRollingCounty (Hillsborough County, Florida – including Tampa, Temple Terrace, and Plant City)homebuyerfirst-time homebuyerlow-income homebuyermoderate-income homebuyerFlorida homebuyerHillsborough County homebuyerdown payment assistanceclosing cost assistancesecond mortgagedeferred loancounty programhomebuyer education required

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Florida Hometown Heroes Housing Program

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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…

Funding: Offers assistance up to 5% of the first mortgage loan amount, capped at approximately $35,000, as a 0% interest, non-amortizing second mortgage that carries no monthly payments and is typically repaid only when the home is sold, refinanced, the deed is transferred, or the property ceases to be the borrower’s primary residence.Deadline: Rolling / subject to funds availability (FHA Mortgage Source)RollingStatewidehomebuyerfirst-time homebuyerveteran homebuyeractive-duty militaryfrontline workerFlorida homebuyerdown payment assistanceclosing cost assistancesecond mortgagefrontline workersstatewide program

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Housing Finance Authority of Pinellas County First-Time Homebuyer Program (Home Key Plus 2nd Mortgage)

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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…

Funding: Offers up to $10,000 in 0% interest, deferred second-mortgage assistance for homes in Pinellas County and up to $7,500 in Pasco and Polk counties to be used toward down payment and closing costs, with repayment generally due only when the home is sold, refinanced, or no longer used as a primary residence.Deadline: Rolling / while funds remain availableRollingMulti-county region (Pinellas, Pasco, and Polk Counties, FL)homebuyerfirst-time homebuyerveteran homebuyerlow-income homebuyermoderate-income homebuyerFlorida homebuyerdown payment assistanceclosing cost assistancesecond mortgagedeferred loanHFA programhomebuyer education required

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City of Tamarac First-Time Homebuyer Purchase Assistance / Down Payment Assistance Program

Closed

City of Tamarac Community Development DepartmentFLFirst-Time HomeownerCity of Tamarac purchase assistance program that provides substantial subordinate mortgage financing to cover down payment and closing costs for low-, very low-, and moderate-income first-time buyers, funded through local and state housing resources.

Updated: Dec 6, 2025

City of Tamarac’s purchase assistance program providing substantial down payment and closing-cost help to first-time homebuyers purchasing within Tamarac, Florida.

Eligible for: Income-eligible first-time homebuyers purchasing a new or existing home within the City of Tamarac; household income must be at or below 120…

Funding: Provides up to $60,000 in assistance for very low-income households, up to $50,000 for low-income households, and up to $40,000 for moderate-income households to be used toward down payment and closing costs, structured as a subordinate mortgage tied to long-term affordability and owner-occupancy requirements.Deadline: Program currently closed as of November 2025; historically offered on a rolling basis while funds were availableRollingCity (City of Tamarac, Florida)homebuyerfirst-time homebuyerlow-income homebuyervery-low-income homebuyermoderate-income homebuyerFlorida homebuyerTamarac homebuyerdown payment assistanceclosing cost assistancesubordinate mortgagelarge assistance amountcity programhomebuyer education required

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FL HLP Second Mortgage Program

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Florida Housing Finance CorporationFLFirst-Time HomeownerFlorida Housing HLP (Homeownership Loan Program) second mortgage that provides a fixed-rate, amortizing junior loan to supply additional down payment and closing cost assistance when layered with a Florida Housing first mortgage.

Updated: Dec 6, 2025

A second mortgage option offered to eligible Florida homebuyers that carries a fixed interest rate and is amortized over time, aimed at reducing the cost burden of purchasing a home by providing additional assistance beyond standard down payment aid.

Eligible for: Florida homebuyers, purchase in counties where program is active, must use eligible first mortgage and meet program criteria.

Funding: Offers up to approximately $12,500 in down payment and closing cost assistance as a second mortgage with a fixed interest rate of about 3 percent, repaid in monthly installments over the life of the loan and due in full upon sale, refinance, or transfer of the property.Deadline: Rolling / depends on funding (eHousingPlus)RollingStatewide / select participating counties in Floridahomebuyerfirst-time homebuyerlow-income homebuyermoderate-income homebuyerFlorida homebuyerdown payment assistanceclosing cost assistancesecond mortgageamortizing loanstate housing finance agency program

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First-Time Homebuyers Program – Montgomery County PA

Open

Montgomery County Department of Housing & Community DevelopmentPAFirst-Time HomeownerCounty administered zero interest subordinate loan that provides down payment and closing cost assistance to eligible first time buyers purchasing in Montgomery County.

Updated: Dec 6, 2025

County-level homebuyer assistance providing meaningful support toward upfront purchase costs for eligible first-time buyers.

Eligible for: First-time homebuyers (or not owned a home in last 3 years), income below area median, purchaser must live/work in county, complete counseli…

Funding: Offers assistance up to 10000 dollars or up to 10 percent of the home sale price, whichever is less, structured as a zero interest loan that may be forgiven or become repayable if the home is sold, refinanced, or transferred before the required affordability period.Deadline: Rolling / first-come, funding limited RollingCounty (Montgomery County, Pennsylvania)homebuyerfirst-time homebuyerlow-income homebuyermoderate-income homebuyerMontgomery County homebuyerPennsylvania homebuyerdown payment assistanceclosing cost assistancezero interest loancounty programfirst-time buyer programhomebuyer education required

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First-Time Homebuyer Grant Program

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Community Housing InnovationsNYFirst-Time HomeownerNonprofit-administered grant program that provides first-time buyers in Community Housing Innovations service area with grant funds for down payment, closing costs, and eligible rehabilitation, paired with homebuyer education and counseling.

Updated: Dec 6, 2025

A regional homebuyer assistance grant program offering funding not only for down payment and closing costs but also for rehabilitation of the purchased home, thereby supporting sustainable homeownership across the Hudson Valley and Long Island.

Eligible for: First-time homebuyers in CHI’s service region, must attend orientation/homebuyer education, meet income/credit limits, purchase eligible pro…

Funding: Provides grant assistance that can be applied to down payment, closing costs, and qualifying rehabilitation work, with specific award amounts and terms varying by funding source, county, and buyer profile rather than a single fixed cap.Deadline: First-come, first-served until funds exhaustedRollingMulti-county (Westchester, Nassau, Suffolk and Dutchess Counties, New York)homebuyerfirst-time homebuyerlow-income homebuyermoderate-income homebuyerNew York homebuyerdown payment assistanceclosing cost assistancerehab assistancegrantnonprofit programregional programhomebuyer education required

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HOME Down Payment Assistance Program – Town of Brookhaven

Open

Town of Brookhaven Housing DivisionNYFirst-Time HomeownerLocally administered HOME-funded down payment and closing cost assistance provided as a subordinate loan to eligible first-time buyers purchasing single-family homes in the Town of Brookhaven.

Updated: Dec 6, 2025

Local down payment assistance of up to $50K for first-time buyers in Brookhaven, NY.

Eligible for: First-time homebuyers purchasing a new or existing single-family home in the Town of Brookhaven, income-eligible, must meet homeownership tr…

Funding: Offers up to 50,000 dollars in assistance toward down payment and closing costs, typically structured as a deferred, forgivable loan secured against the property, with repayment or forgiveness determined by the buyer’s compliance with occupancy and program requirements over the minimum affordability period.Deadline: Applications accepted on a first-come, first-served basis until funding is exhausted. RollingTown (Brookhaven, New York)homebuyerfirst-time homebuyerlow-income homebuyermoderate-income homebuyerNew York homebuyerBrookhaven homebuyerdown payment assistanceclosing cost assistanceHOME-fundeddeferred loanforgivable loantown program

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Home Purchase Assistance Program (HPAP)

Open

City of Rochester Neighborhood & Business Development DepartmentNYFirst-Time HomeownerCity of Rochester grant program that provides upfront assistance for down payment and closing costs to first-time homebuyers through a conditional grant tied to long-term owner-occupancy.

Updated: Dec 6, 2025

Local grant program aimed at helping first-time homebuyers in the City of Rochester cover upfront purchase costs to increase access to homeownership.

Eligible for: First-time homebuyer, income eligibility, purchasing 1–4 family home in City of Rochester, must attend pre- and post-purchase training and c…

Funding: Provides a grant of up to about 6,000 to 8,000 dollars, depending on funding cycle and program terms, that can be applied toward down payment and closing costs for eligible first-time buyers in Rochester.Deadline: Rolling / funds availabilityRollingCity (Rochester, New York)homebuyerfirst-time homebuyerlow-income homebuyermoderate-income homebuyerNew York homebuyerRochester homebuyerdown payment assistanceclosing cost assistancegrantcity programfirst-time buyerhomebuyer education required

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Homebuyer Dream Program® Suite

Open

Federal Home Loan Bank of New York (FHLBNY)NYFirst-Time HomeownerRegional grant program from the Federal Home Loan Bank of New York that provides up front grant funds for down payment and closing costs to first time homebuyers, with an optional layered HDP Plus component.

Updated: Dec 6, 2025

Up to $30K (or $60K layered) in grant funding for down payment and closing cost assistance, specifically tailored for first-time buyers in NY/NJ region.

Eligible for: First-time homebuyers in the FHLBNY district (New York & New Jersey) earning up to 80% AMI (or 120% for HDP Plus), must complete homebuyer c…

Funding: Offers grant funding up to 30000 dollars per household for down payment, closing costs, and counseling expenses, with the ability to layer additional funds through the HDP Plus option for a combined total of up to about 60000 dollars.Deadline: Rolling / while funding is available; layering allows up to $60K. RollingMulti state (New York and New Jersey within the FHLBNY district)homebuyerfirst-time homebuyerlow-income homebuyermoderate-income homebuyerNew York homebuyerNew Jersey homebuyerdown payment assistanceclosing cost assistancegrantlayered fundingregional programfirst-time buyer programhomebuyer education required

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First-Time Homebuyer & Down Payment Assistance Programs

Open

New Jersey Housing and Mortgage Finance AgencyNJFirst-Time HomeownerStatewide New Jersey Housing and Mortgage Finance Agency (NJHMFA) program that pairs a 30-year fixed-rate first mortgage with an interest-free, five-year forgivable down payment assistance second loan and an optional First Generation assistance layer for eligible buyers.

Updated: Dec 6, 2025

The NJHMFA provides low-interest 30-year fixed mortgage loans paired with down payment or closing cost assistance for qualified first-time buyers across New Jersey.

Eligible for: First-time homebuyers (no ownership in past 3 years) in New Jersey, must use approved NJHMFA first mortgage and meet income & purchase-price…

Funding: Provides an interest-free, five-year forgivable down payment assistance loan of up to 15,000 dollars (amount varies by county) that can be used toward down payment or closing costs, with the potential to layer roughly 7,000 dollars in additional First Generation assistance for qualifying buyers whose parents or guardians never owned a home, bringing combined support to about 22,000 dollars.Deadline: Rolling / subject to funds and approved lender participation. RollingStatewide (New Jersey)homebuyerfirst-time homebuyerlow-income homebuyermoderate-income homebuyerNew Jersey homebuyerdown payment assistanceclosing cost assistanceforgivable loansecond mortgagestate programfirst generation bonuslow-interest mortgage

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Grants/Down Payment Assistance – AHCOPA

Open

Affordable Housing Centers of Pennsylvania (AHCOPA)PAFirst-Time HomeownerNonprofit administered grant programs that provide down payment and closing cost assistance, typically structured as forgivable or non repayable subsidies paired with required counseling and approved lender participation.

Updated: Dec 6, 2025

Non-profit organization listing multiple down payment assistance grants and programs for first-time homebuyers in various PA regions. Program amounts, eligibility, and availability vary across city/county, nonprofit, employer, seller, and lender-based sources.

Eligible for: First-time homebuyers, must complete homebuyer education/counseling, eligibility and amounts vary by program and region in PA

Funding: Highlights grant based assistance that can reach up to about 15000 dollars in programs such as NeighborhoodLIFT and similar offerings to help cover down payment and closing costs, with exact amounts depending on the specific grant and local funding at the time of application.Deadline: rolling / until funds exhaustedRollingNonprofit service area (Pennsylvania, with emphasis on the Philadelphia region)homebuyerfirst-time homebuyerlow-income homebuyermoderate-income homebuyerPennsylvania homebuyerPhiladelphia homebuyerdown payment assistanceclosing cost assistancegrantforgivable assistancenonprofit housing counselinghomebuyer education requiredlayered assistance

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