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

Cook Inlet Lending Center’s NAHI and Home$tart grants are large, forgivable-style down payment assistance grants that can provide eligible Alaska homebuyers with $15,000–$25,000 to cover down payment, closing costs and prepaid expenses, significantly reducing the cash needed to become a homeowner.

Eligible for: For NAHI: Alaska Native, American Indian or Native Hawaiian homebuyers below ~80% of NAHASDA AMI who will owner-occupy a 1–4 unit property, …

Welcome Home Wyoming is a statewide down payment assistance program that pairs 30-year fixed-rate FHA, VA, USDA-RD, or conventional loans with 0%-interest DPA equal to a percentage of the note amount, helping Wyoming homebuyers potentially purchase with little or no money down.

Eligible for: Homebuyers in Wyoming (first-time and repeat) with a minimum 640 FICO score, qualifying income below about $138,320, who complete required h…

Alaska Housing Finance Corporation’s First-Time Homebuyer Loans program offers two primary mortgage options—First Home and First Home Limited—designed to give first-time buyers reduced interest rates and more affordable homeownership across Alaska. Borrowers work with approved lenders and can pair these loans with other AHFC options like energy-efficiency interest rate reductions and veterans’ preferences.

Eligible for: First-time homebuyers who have not owned a primary residence in the last three years (with targeted-area and qualified-veteran exceptions), …

SD Housing’s First-Time Homebuyer guide walks new buyers through eligibility rules, income and purchase price limits, and next steps to access low-interest mortgages and down payment assistance in South Dakota.

WCDA’s Homebuyers page is the central hub for Wyoming first-time and repeat buyers, outlining fixed-rate loan products plus Home$tretch and amortizing down payment assistance loans up to $15,000 to cover down payment, closing costs, and prepaids.

Eligible for: First-time and current homebuyers in Wyoming who meet purchase price and income limits, have at least a 620 credit score when using DPA, con…

The Essential Public Employee Program (EP2) provides up to $10,000 in affordable down payment and closing cost assistance loans for North Dakota’s public employees—such as teachers, first responders, and government staff—to help them buy homes in the communities they serve.

Eligible for: Essential public employees in North Dakota employed by a city or county government, school district, medical or long-term care facility, the…

RIHousing’s 15kDPA program gives first-time Rhode Island buyers a flat $15,000 boost toward down payment and closing costs, structured as a silent 0% loan that sits behind a RIHousing first mortgage.

Eligible for: First-time homebuyers purchasing a 1–4 family home or condominium anywhere in Rhode Island with a minimum 660 credit score who meet RIHousin…

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…

NDHFA’s Homeownership hub outlines multiple fixed-rate loan programs plus DCA and Start down payment assistance, giving first-time and move-up buyers flexible options to combine low-interest mortgages with 3% credits toward down payment and closing costs.

Eligible for: North Dakota homebuyers who invest at least $500 of their own funds, will occupy the property as their principal residence, and meet program…

NeighborWorks of Western Vermont’s Down Payment Assistance Loan provides up to $50,000 as a second mortgage to help Vermonters cover down payment and closing costs, pair with a partner lender’s first mortgage, and often achieve 100% financing with no PMI.

Eligible for: Qualified homebuyers purchasing in Vermont who work with one of NeighborWorks of Western Vermont’s partner lenders, meet the organization’s …

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…

GROW South Dakota’s Down Payment Closing Costs Assistance programs offer most qualifying buyers between $5,000 and $7,500 in 0% interest, deferred loans to help cover down payment and closing expenses when purchasing a home in eligible South Dakota communities.

Eligible for: Homebuyers in eligible South Dakota rural and urban areas who secure financing from a GROW SD-approved first mortgage lender, meet income (o…