Find every first-time home buyer grant & down payment assistance program in the U.S.

EAHP offers eligible District government employees a powerful mix of 0% deferred loans and grants that help cover down payment and closing costs on a first home in DC, with enhanced benefits available for first responders and educators.

Eligible for: Full-time DC government employees in good standing (no recent adverse action) with at least one year of service, purchasing their first home…

FirstGenHomeRI is a pilot initiative that targets first-generation buyers in a handful of Rhode Island’s most housing-stressed communities, offering a generous $25,000 in forgivable assistance to close the down payment and closing-cost gap.

Eligible for: First-generation, first-time homebuyers currently living in Central Falls, East Providence, Pawtucket, Woonsocket, Providence (excluding zip…

WCDA’s main site introduces the authority as Wyoming’s leading resource for housing finance, providing affordable single-family home loans, down payment assistance, homebuyer education, and major rental housing development programs across the state.

Eligible for: Wyoming residents seeking to buy or retain homes who meet program-specific income, purchase price, and credit guidelines; WCDA also serves d…

HPAP is DC’s flagship down payment and closing cost assistance program, offering up to $202,000 in gap financing plus $4,000 in closing cost help so first-time homebuyers can afford a primary residence in the District of Columbia with far less cash upfront.

Eligible for: Head-of-household first-time homebuyers (no ownership interest in any residence in past 3 years) who are very-low to moderate-income by DHCD…

VHFA’s First Generation Homebuyer Program provides a $15,000 grant for first-generation Vermonters buying their first home, which can be layered with ASSIST and other DPA to significantly reduce upfront cash needed for down payment and closing.

Eligible for: All borrowers and any non-borrowing spouses must be true first-time homebuyers with less than $30,000 in combined liquid assets; at least on…

Extra Assistance is RIHousing’s flexible second-mortgage product that can add up to 6% of the purchase price (capped at $20,000) on top of a RIHousing loan to cover down payment and closing costs.

Eligible for: First-time homebuyers purchasing a 1–4 family home or condominium in Rhode Island who have at least a 620–660 credit score, meet RIHousing i…

DC Open Doors combines competitively priced first mortgages with a 0% deferred Down Payment Assistance Loan that can cover a buyer’s entire minimum down payment, making District homeownership more accessible for both first-time and repeat buyers.

Eligible for: Open to qualified first-time and repeat homebuyers purchasing in Washington, DC; borrowers must use a participating lender, meet DCHFA credi…

Alaska Community Development Corporation’s Home Opportunity Program (HOP) delivers substantial down payment, closing cost and mortgage buydown assistance to low-income homebuyers across most of Alaska, with loans structured as zero-interest and partially forgivable to make ownership truly affordable.

Eligible for: Low-income households (≤80% of HUD area median income) in eligible Alaska communities who do not own another home, will occupy the property …

AHFC’s Down Payment Assistance resource page connects Alaska homebuyers with nonprofit partners that provide down payment and closing cost assistance for purchases financed with AHFC’s AHELP loan options. The page serves as a statewide hub, listing organizations like Cook Inlet Lending Center, Alaska Community Development Corporation, Interior Regional Housing Authority, and Tlingit-Haida Regional Housing Authority, each serving specific regions.

Eligible for: Homebuyers using AHFC’s AHELP loan option who qualify under the guidelines of participating nonprofit organizations providing down payment a…

VHFA’s homebuyer programs pair low, fixed-rate MOVE, MOVE MCC, and ADVANTAGE mortgages with ASSIST down payment assistance, giving Vermont buyers up to $10,000 in 0%-interest, deferred funds to cover down payment and closing costs.

Eligible for: First-time and repeat Vermont homebuyers using VHFA MOVE, MOVE MCC, or ADVANTAGE loans who meet VHFA income and purchase price limits, have …

DSHA’s “How We Can Help” page is the central hub for Delaware first-time homebuyer assistance, outlining Welcome Home and Home Again mortgage programs plus layered down payment help like First State Home Loan and Diamond in the Rough.

Eligible for: Delaware first-time and repeat homebuyers using DSHA’s Welcome Home or Home Again mortgage programs who meet county income and purchase-pric…

South Dakota’s Fixed Rate Plus down payment assistance provides 3% or 5% of the first mortgage amount as a 0% interest, due-on-sale second mortgage to cover down payment and closing costs, helping first-time and repeat buyers bridge the upfront cost gap.

Eligible for: Eligible borrowers who qualify for SD Housing’s Fixed Rate Plus first mortgage and meet standard underwriting, property, and income guidelin…