Find first-time homebuyer programs near you
Down payment assistance, grants, and closing cost help — by city. See every program in one place.
Search by address or city, or choose your state below.
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Available Programs
1,705
Assistance programs nationwide
Repeat Buyers
39%
Of programs open to non-first-timers
Down Payment Assistance
75%
Of programs help with down payments
Choose your state
Alabama
Alabama offers several homebuyer assistance programs through the Alabama Housing Finance Authority (AHFA).
Alabama programs and cities →Arizona
Arizona's statewide down payment assistance runs through the Arizona Industrial Development Authority (Arizona IDA).
Arizona programs and cities →Arkansas
The Arkansas Development Finance Authority (ADFA) offers several homebuyer programs including the StartSmart first-time buyer loan with below-market interest rates, the Move-Up loan for repeat buyers…
Arkansas programs and cities →California
California's state homebuyer assistance comes from the California Housing Finance Agency (CalHFA), which works only through approved lenders.
California programs and cities →Colorado
Colorado offers a strong stack of homebuyer assistance through the Colorado Housing and Finance Authority (CHFA), the state's primary housing finance agency.
Colorado programs and cities →Connecticut
Connecticut offers some of the most generous down payment assistance in the country through the Connecticut Housing Finance Authority (CHFA).
Connecticut programs and cities →Delaware
Delaware offers several homebuyer assistance programs through the Delaware State Housing Authority (DSHA), including the Welcome Home and Home Again first mortgage loan programs with below-market…
Delaware programs and cities →District of Columbia
Washington, DC has some of the largest homebuyer assistance in the country.
District of Columbia programs and cities →Florida
Florida's down payment assistance for first-time home buyers comes mainly from Florida Housing Finance Corporation.
Florida programs and cities →Georgia
Georgia's down payment assistance for first-time home buyers comes mainly from the Department of Community Affairs' Georgia Dream loans.
Georgia programs and cities →Hawaii
Hawaii's state homebuyer help comes from the Hawaii Housing Finance and Development Corporation (HHFDC) through the Hale Kamaaina Mortgage Program, launched in December 2025.
Hawaii programs and cities →Idaho
Idaho's state down payment assistance comes from the Idaho Housing and Finance Association (IHFA), which lends through partner lenders statewide.
Idaho programs and cities →Illinois
Illinois's down payment assistance for first-time home buyers comes mainly from the Illinois Housing Development Authority (IHDA).
Illinois programs and cities →Indiana
Indiana offers several homebuyer assistance programs through the Indiana Housing and Community Development Authority (IHCDA).
Indiana programs and cities →Iowa
The Iowa Finance Authority (IFA) offers several programs that can be stacked to make buying a home in Iowa substantially more affordable.
Iowa programs and cities →Kansas
Kansas homebuyers can stack several state programs with federal loans to make their first purchase more affordable.
Kansas programs and cities →Kentucky
Kentucky Housing Corporation (KHC) offers down payment assistance of up to $12,500 through its Regular DAP program, structured as a 15-year second mortgage.
Kentucky programs and cities →Louisiana
The Louisiana Housing Corporation (LHC) offers several homebuyer assistance programs including the Resilience Soft Second and Pathways to Homeownership programs, which provide up to $60,000 in…
Louisiana programs and cities →Maine
Maine offers several homebuyer assistance programs through MaineHousing, the state housing finance agency.
Maine programs and cities →Maryland
Maryland offers robust homebuyer assistance through the Maryland Mortgage Program (MMP), administered by the Department of Housing and Community Development.
Maryland programs and cities →Massachusetts
Massachusetts' down payment assistance for first-time home buyers comes mainly from MassHousing.
Massachusetts programs and cities →Michigan
Michigan offers strong homebuyer assistance through the Michigan State Housing Development Authority (MSHDA).
Michigan programs and cities →Minnesota
Minnesota Housing Finance Agency administers the state's primary homebuyer programs, including the Start Up loan for first-time buyers and the Step Up loan for repeat buyers and higher-income…
Minnesota programs and cities →Mississippi
Mississippi Home Corporation (MHC) offers several down payment assistance programs for homebuyers across the state.
Mississippi programs and cities →Missouri
The Missouri Housing Development Commission (MHDC) is the state housing finance agency and runs Missouri's two main homebuyer loan programs.
Missouri programs and cities →Montana
Montana's state down payment assistance comes from the Montana Board of Housing (MBOH) and requires an MBOH 30-year first mortgage.
Montana programs and cities →Nebraska
Nebraska homebuyers benefit from a strong slate of state programs run by the Nebraska Investment Finance Authority (NIFA), including the Homebuyer Assistance (HBA) Program providing up to 5% of the…
Nebraska programs and cities →Nevada
Nevada's state down payment assistance runs through the Nevada Housing Division's Home Is Possible (HIP) program.
Nevada programs and cities →New Hampshire
New Hampshire Housing Finance Authority (NHHFA) offers several mortgage and down payment assistance programs for homebuyers.
New Hampshire programs and cities →New Jersey
New Jersey offers some of the most generous homebuyer assistance in the country through the NJHMFA.
New Jersey programs and cities →New Mexico
New Mexico homebuyers benefit from a robust suite of state-administered programs through Housing New Mexico (formerly the New Mexico Mortgage Finance Authority, or MFA).
New Mexico programs and cities →New York
New York offers several statewide homebuyer assistance programs through the State of New York Mortgage Agency (SONYMA).
New York programs and cities →North Carolina
North Carolina's down payment assistance for first-time home buyers comes mainly from the NC Housing Finance Agency.
North Carolina programs and cities →North Dakota
North Dakota offers some of the most generous first-time homebuyer programs in the Upper Midwest through the North Dakota Housing Finance Agency (NDHFA).
North Dakota programs and cities →Ohio
The Ohio Housing Finance Agency (OHFA) offers several programs to help first-time homebuyers achieve homeownership.
Ohio programs and cities →Oklahoma
Oklahoma offers a range of homebuyer assistance through the Oklahoma Housing Finance Agency (OHFA), available in all 77 counties.
Oklahoma programs and cities →Oregon
Oregon's state homebuyer help comes from Oregon Housing and Community Services (OHCS) in two forms.
Oregon programs and cities →Pennsylvania
Pennsylvania offers several statewide homebuyer assistance programs through the Pennsylvania Housing Finance Agency (PHFA).
Pennsylvania programs and cities →Rhode Island
Rhode Island offers several strong down payment assistance programs through RIHousing, the state's housing finance agency.
Rhode Island programs and cities →South Carolina
South Carolina offers several homebuyer assistance programs through SC Housing.
South Carolina programs and cities →South Dakota
South Dakota offers several state-administered programs that make homeownership more affordable.
South Dakota programs and cities →Tennessee
Tennessee offers robust homebuyer assistance through the Tennessee Housing Development Agency (THDA).
Tennessee programs and cities →Texas
Texas down payment assistance for first-time home buyers comes from two state agencies, TDHCA and TSAHC.
Texas programs and cities →Utah
Utah's state homebuyer programs come from Utah Housing Corporation (UHC), which lends through participating lenders.
Utah programs and cities →Vermont
Vermont offers several state-level homebuyer assistance programs through the Vermont Housing Finance Agency (VHFA).
Vermont programs and cities →Virginia
Virginia Housing (formerly VHDA) offers some of the most generous homebuyer assistance programs in the Southeast.
Virginia programs and cities →Washington
Washington offers homebuyers some of the most flexible down payment assistance programs in the country through the Washington State Housing Finance Commission (WSHFC).
Washington programs and cities →West Virginia
The West Virginia Housing Development Fund (WVHDF) offers two primary mortgage programs for homebuyers: the Homeownership Program for first-time buyers with up to $10,000 in down payment assistance…
West Virginia programs and cities →Wisconsin
Wisconsin offers several homebuyer assistance programs through WHEDA, including the Easy Close DPA (up to 6% of the purchase price as a repayable second mortgage), the Capital Access DPA (up to $7,500…
Wisconsin programs and cities →Wyoming
Wyoming's state homebuyer programs come from the Wyoming Community Development Authority (WCDA).
Wyoming programs and cities →