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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 (18)
Illinois Department of Commerce & Economic Opportunity ILSmall Business
Updated: Dec 5, 2025
State-funded capital and infrastructure grants supporting business expansion, equipment upgrades, and facility improvements for Illinois small businesses.
Eligible for: Illinois small businesses needing capital upgrades, facility improvements, or infrastructure investment; must meet state-defined business cr…
A statewide working-capital grant supporting small businesses in rural and downstate Illinois communities facing financial hardship.
Eligible for: Small businesses in downstate / rural Illinois; must meet size standards and demonstrate COVID-19 or economic hardship; county/municipal app…
Updated: Dec 5, 2025
A modernization and equipment-upgrade grant for independently owned grocery stores to improve food access and business sustainability.
Eligible for: Independently owned grocery stores, small retailers, or food-market operators in Illinois; must meet community-impact criteria
Updated: Dec 5, 2025
Planning grants that support community and regional site-readiness work, indirectly enabling small business expansion and job creation.
Eligible for: Local governments, developers, and regional partners; indirectly benefits small/mid-sized businesses seeking expansion locations
Updated: Dec 5, 2025
Statewide SBDC funding that supports free small-business consulting, training, and technical assistance programs throughout Illinois.
Eligible for: SBDC host organizations; benefits small business owners via free statewide consulting programs
Illinois Department of Commerce & Economic Opportunity (DCEO)ILSmall Business
Updated: Dec 5, 2025
Illinois’ central grant portal listing all available DCEO grant programs for small businesses, workforce, community development, and capital investments.
Eligible for: Illinois small businesses, nonprofits, community organizations, and industry groups depending on specific program
Chicago’s premier capital-improvement grant reimbursing small businesses for permanent building upgrades.
Eligible for: Commercial and industrial small businesses located in eligible Chicago TIF districts
SomerCor (on behalf of City of Chicago)ILSmall Business
Updated: Dec 5, 2025
Administrative SBIF access point helping Chicago small businesses apply for building-improvement reimbursement grants.
Eligible for: Chicago small businesses and property owners located in eligible TIF zones
Updated: Dec 5, 2025
Emergency grants and loan programs designed to stabilize Illinois small businesses during economic hardship.
Eligible for: Illinois small businesses impacted by economic disruptions, disasters, or emergencies
Cook County / Illinois Restaurant AssociationILSmall Business
Updated: Dec 5, 2025
A countywide support program helping small businesses access grants, loans, technical assistance, consulting, and business-development resources.
Eligible for: Small businesses in Cook County; priority for underserved, minority-owned, or early-stage businesses
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…
Cook County Bureau of Economic DevelopmentILFirst-Time HomeownerCounty-run forgivable second-mortgage program that provides down payment, closing cost, and mortgage rate buydown assistance to income-eligible homebuyers purchasing 1–2 unit properties in Cook County.
Updated: Dec 6, 2025
Offers substantial down payment or closing cost support to homebuyers in Cook County to help bridge upfront purchase cost barriers.
Eligible for: Eligible homebuyers for 1-2 unit property in Cook County, credit score ≥ 620, DTI ≤ 50%, income ≤ 120% AMI unless purchasing in a Targeted A…
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