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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)
California Department of Housing & Community DevelopmentCAFirst-Time HomeownerFederal HOME block grant funds administered by the state as grants or low interest loans to eligible local governments and nonprofit sponsors for affordable housing activities including first time homebuyer assistance.
Updated: Dec 6, 2025
Federal HOME block-grant funding administered by HCD to support affordable housing including first-time homebuyer assistance.
Eligible for: Cities/counties, developers, CHDOs; includes first-time homebuyer projects.
California Housing Finance AgencyCAFirst-Time HomeownerState housing finance agency programs that pair fixed rate first mortgages with a range of subordinate loans and assistance options such as down payment and closing cost help for eligible homebuyers.
Updated: Dec 6, 2025
Overview portal of CalHFA’s suite of homebuyer assistance programs for first-time homebuyers in California.
Eligible for: First-time homebuyers, meet specific program criteria (loan type, income, credit, occupancy)
California Dream For All Shared Appreciation Loan
Limited FundingCalifornia Housing Finance AgencyCAFirst-Time HomeownerState housing finance agency shared appreciation junior loan that provides a large portion of the down payment in exchange for repayment of the principal plus a share of future home price appreciation.
Updated: Dec 6, 2025
A down payment assistance program for first-time buyers, providing a junior loan up to 20% of purchase price, repayable at sale/transfer with share of home appreciation.
Eligible for: First-time homebuyers, in conjunction with CalHFA first mortgage, shared appreciation required
Miami-Dade County Housing & Community DevelopmentFLFirst-Time Homeowner
Updated: Nov 20, 2025
assists eligible homebuyers in Miami-Dade County with a no-interest deferred loan for down payment to purchase first home.
Eligible for: First-time homebuyers; income limits: individuals <$95,620; couples <$109,200; 3-person household <$122,920; 4-person household <$136,500; m…
Texas Workforce CommissionTXSmall Business
Updated: Nov 20, 2025
A training grant program for small businesses (fewer than 100 employees) to upskill new and existing workers via community/technical college courses.
Eligible for: Private business with 1-99 employees, paid UI contributions, using eligible public community/technical college training; full details apply.…
City of Austin Economic Development Department – Heritage Tourism DivisionTXHousing
Updated: Nov 20, 2025
The grant supports capital, planning, educational or marketing projects at historically designated sites in Austin that expand access to heritage resources and promote tourism. (Austin Texas)
Eligible for: Nonprofits or for-profit businesses; at least 2 years operating in Austin metro area; property must be a historic designated site (or for ev…
Texas Economic Development & Tourism Office (Office of the Governor)TXSmall Business
Updated: Nov 20, 2025
A resource hub for small businesses in Texas to access financing and capital through state and federal programs such as CDFIs, the Texas Small Business Credit Initiative (TSBCI), and disaster-recovery loans.
Eligible for: Small businesses in Texas seeking capital via various programs (CDFIs, TSBCI, Micro-Business Disaster Recovery Loan, etc.) (Texas Government…
Broward County Housing Finance DivisionFLFirst-Time Homeowner
Updated: Nov 20, 2025
Provides deferred-payment loan assistance for eligible first-time homebuyers in Broward County to help cover down payment, closing costs, or interest-rate buy-down.
Eligible for: Qualified first-time homebuyers (income-eligible, primary residence, HUD homebuyer education course)
First Time Home Buyer Pros (affiliate)First-Time Homeowner
Updated: Nov 20, 2025
A nationwide down payment assistance program offering up to 3.5% forgivable grant/loan for down payment or closing costs, available in all states except Washington.
Eligible for: First-time homebuyers; must qualify for an FHA loan; credit score minimum 620; property must be 1-2 unit single family or manufactured home …
Library of American Broadcasting Foundation (LABF) in partnership with Broadcast Education AssociationUnited StatesNon-Profit
Updated: Nov 18, 2025
Grants supporting preservation and public accessibility of historic broadcast materials for nonprofit and archival organizations.
Eligible for: Nonprofit organizations, libraries, archives, museums, educational institutions, broadcast companies engaged in preserving broadcast history…
A major new fund to support nonprofit literary arts organizations, publishers and creative writers with significant funding over five years.
Eligible for: U.S.-based nonprofit or fiscally sponsored literary arts organizations or publishers whose mission supports creative writers of poetry, fict…
The Walmart Spark Good Local Grants program awards local nonprofits and community organizations with grants typically ranging from $250 to $5,000, aiming to invest in the communities where Walmart operates.
Eligible for: 501(c)(3) public charities, gov’t agencies, educational institutions, faith-based orgs in Walmart service areas
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