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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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Down Payment Assistance Program – City of Joliet

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City of Joliet Neighborhood Services DivisionILFirst-Time HomeownerCity-administered zero-interest, deferred-payment second mortgage that provides a percentage of the home purchase price to help eligible buyers cover down payment and closing costs on homes within Joliet city limits.

Updated: Dec 6, 2025

Local down payment assistance for eligible buyers in Joliet to reduce upfront cost barriers via city-administered program.

Eligible for: Low- to moderate-income homebuyers purchasing single-family, townhouse or condo in Joliet city limits, with minimum own fund contribution.

Funding: Provides a minimum of 1,000 dollars and up to 20 percent of the home purchase price in assistance structured as a zero-interest, deferred second loan that can be used toward down payment and closing costs, with repayment generally triggered by sale, refinance, or other program-defined events.Deadline: Rolling / until funds exhaustedRollingCity (Joliet, Illinois)homebuyerlow-income homebuyermoderate-income homebuyerIllinois homebuyerJoliet homebuyerdown payment assistanceclosing cost assistance0 percent interestdeferred second mortgagecity program

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Home Purchase Assistance Program (HPAP)

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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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First-Time Homebuyers Program – Montgomery County PA

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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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Homebuyer Dream Program® Suite

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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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1st-Home Illinois Down Payment Grant Program

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Federal Housing AuthorityILFirst-Time HomeownerState-supported down payment grant program, described by FHA.com, that provides a forgivable or non-repayable grant when paired with an eligible first mortgage for first-time buyers in Illinois.

Updated: Dec 6, 2025

A standout grant program offering up to $10,000 to first-time homebuyers in Illinois toward down payment and closing costs, lowering upfront purchase barriers and supporting homeownership among eligible households.

Eligible for: First-time homebuyers in Illinois (typically no ownership last 3 years), meet income & purchase price limits, purchasing eligible home in IL…

Funding: Offers up to $10,000 in assistance that can be used toward down payment and closing costs for eligible first-time homebuyers, with grant structure and forgiveness terms determined by the administering state housing agency and participating lenders.Deadline: Rolling / while funds lastRollingStatewide (Illinois)homebuyerfirst-time homebuyerlow-income homebuyermoderate-income homebuyerIllinois homebuyerdown payment assistanceclosing cost assistancegrantstatewide program

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Homebuyer Dream Program® Suite

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Federal Home Loan Bank of New YorkNJFirst-Time HomeownerFederal Home Loan Bank of New York grant suite delivered through member banks and credit unions that provides non-repayable funds for down payment, closing costs, and homebuyer education, with enhanced funding available through a layered HDP Plus option.

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: Provides grant assistance up to 30,000 dollars per household for down payment, closing costs, and eligible pre-purchase expenses, with the potential to access up to 60,000 dollars in combined funding when the HDP Plus option is layered with other qualified resources, all structured as grants that do not require repayment if program conditions are met.Deadline: Rolling / while funding is available; layering allows up to $60K. RollingMulti-state (New York and New Jersey – FHLBNY district)homebuyerfirst-time homebuyerlow-income homebuyermoderate-income homebuyerNew York homebuyerNew Jersey homebuyerdown payment assistanceclosing cost assistancegrantlayered assistanceregional programhomebuyer education required

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Grants/Down Payment Assistance – AHCOPA

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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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First-Time Homebuyer & Down Payment Assistance Programs

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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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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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First-Time Homebuyer Program – City of Trenton

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City of Trenton Housing & Community Dev.NJFirst-Time HomeownerMunicipal first-time homebuyer assistance program that provides substantial down payment and closing cost support through a deferred or forgivable second mortgage for eligible buyers purchasing in Trenton.

Updated: Dec 6, 2025

Municipal program providing substantial assistance to first-time buyers in Trenton to reduce barriers and promote homeownership in the community.

Eligible for: First-time homebuyers purchasing in Trenton, NJ, meeting income/purchase-price limits, attend homebuyer education and use approved lender.

Funding: Offers up to approximately 50,000 dollars in assistance for down payment and closing costs, typically structured as a deferred-payment or forgivable subordinate loan, with exact terms, repayment triggers, and affordability requirements set by the City of Trenton program guidelines.Deadline: Rolling / until funds exhaustedRollingCity (Trenton, New Jersey)homebuyerfirst-time homebuyerlow-income homebuyermoderate-income homebuyerNew Jersey homebuyerTrenton homebuyerdown payment assistanceclosing cost assistancedeferred second mortgageforgivable loancity programlarge assistance amount

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Homebuyer Assistance – NJ 2-1-1 Partnership Resource Listing

Resource

NJ 2‑1‑1 PartnershipNJFirst-Time HomeownerStatewide online resource directory maintained by the NJ 2-1-1 Partnership that connects prospective homebuyers with local down payment, closing cost, and other homeownership assistance programs rather than providing direct grant funding itself.

Updated: Dec 6, 2025

A state-wide resource listing via NJ 2-1-1 connecting homebuyers to local down payment & closing cost assistance programs in New Jersey.

Eligible for: First-time or income-eligible homebuyers in New Jersey directed to local assistance resources via NJ 2-1-1 directory.

Funding: This listing does not provide a single standardized award; instead it catalogs multiple New Jersey down payment and closing cost assistance programs whose grant or loan amounts, terms, and availability vary by administering agency and location.Deadline: Varies by programVariesStatewide (New Jersey)homebuyerfirst-time homebuyerNew Jersey homebuyerhousing counselorservice providerresource hubprogram directorydown payment assistance referralsclosing cost assistance referralsstatewide information service

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State of New York Mortgage Agency (SONYMA) Homebuyer Programs

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State of New York Mortgage Agency (SONYMA) under New York State Homes & Community Renewal (HCR)NYFirst-Time HomeownerState of New York Mortgage Agency (SONYMA) suite of 30-year fixed-rate mortgage products paired with low-down-payment options and down payment and closing cost assistance for first-time buyers across New York State.

Updated: Dec 6, 2025

Comprehensive suite of mortgage and down payment assistance programs for first-time buyers in New York State.

Eligible for: First-time homebuyers (defined as no ownership in past three years), purchasing 1–4 family, condo or coop in NY State, must meet income & cr…

Funding: Provides access to competitive, fixed-rate SONYMA mortgages in combination with various down payment and closing cost assistance options whose exact dollar amounts and structures vary by specific SONYMA program, but are designed to reduce upfront cash-to-close and monthly payment burdens for eligible New York buyers.Deadline: Rolling depending on specific program; funds available via participating lenders.RollingStatewide (New York)homebuyerfirst-time homebuyerveteran homebuyerlow-income homebuyermoderate-income homebuyerNew York homebuyerlow-interest mortgagedown payment assistanceclosing cost assistancestate programfirst-time buyer programtarget area incentives

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