All Homebuyer Programs

See programs you qualify for

Showing 1351–1400 of 1747 programs

Name	Level	Type	Amount
Oakland County Treasurer Homebuyer Assistance Program	County	Grant	$5,000 grant
Oakland Housing Authority Homeownership Voucher Program	County	Grant	Monthly mortgage assistance (housing subsidy applied toward mortgage payment)
Ocean County First-Time Homebuyer Program	County	Forgivable Loan	$15,000
OCHFA Homebuyer Program	County	Deferred Loan	Down payment and closing cost assistance combined with competitive first mortgage rates
OHFA 4Teachers Program (Oklahoma)	State	Grant	3.5% of total loan amount plus reduced interest rate
OHFA Dream Program (Oklahoma)	State	Grant	3.5% of total loan amount
OHFA Grants for Grads	State	Forgivable Loan	3% for Conventional loans or 3.5% for Government loans (FHA, VA, USDA) of the purchase price, plus a discounted mortgage interest rate
OHFA Homebuyer Down Payment Assistance (Oklahoma)	State	Silent Second Mortgage	3.5% of total loan amount
OHFA Mortgage Tax Credit	State	Tax Credit	Federal tax credit of 40% of annual mortgage interest paid, up to $2,000 per year (with OHFA loan). 15-20% with other lenders.
OHFA Ohio Heroes	State	Forgivable Loan	3% for Conventional loans or 3.5% for Government loans (FHA, VA, USDA) of the purchase price, plus a discounted mortgage interest rate
OHFA SHIELD Program (Oklahoma)	State	Grant	3.5% of total loan amount plus reduced interest rate
OHFA Your Choice! Down Payment Assistance	State	Forgivable Loan	3% for Conventional loans or 3.5% for Government loans (FHA, VA, USDA) of the purchase price
OIC of Washington Down Payment Assistance	Nonprofit	Deferred Loan	Up to $20,000 or 20% of the home's price, whichever is lower
Oklahoma / Canadian Counties HOME Down Payment Assistance Program	County	Forgivable Loan	Up to $14,249 toward down payment and closing costs
Old Colony Habitat for Humanity Homeownership Program	Nonprofit	Zero-Interest Loan	Affordable home purchase with affordable mortgage terms
OLHSA Homebuyer Education and Counseling	Nonprofit	Grant	—
OlyFed Affordable Homebuyer Program	Nonprofit	Repayable Loan	Discounted interest rate, reduced origination fee (flat $800 vs typical 1%), discounted PMI, and ability to finance up to 97% with all but $1,000 of down payment from gifts/DPA
Omaha 100 Homebuyer Program	City	Repayable Loan	Up to 5% of purchase price plus city-backed second mortgage
Omaha Housing Authority Bridges to Homeownership (HCV Homeownership Program)	City	Government-Insured Mortgage	Monthly homeownership assistance via Housing Choice Voucher payments
ONE Mortgage Program	State	Zero-Interest Loan	30-year fixed-rate mortgage with 3% down payment and no PMI; qualified borrowers below 80% AMI receive an additional subsidy to lower monthly payments
One Roof Community Land Trust	Nonprofit	Deferred Loan	Subsidized purchase price; CLT model removes the cost of land from the home price, typically saving tens of thousands per purchase
One Roof Essentia Homeownership Program	Nonprofit	Forgivable Loan	—
One Roof Purchase Assistance Loan (PAL)	Nonprofit	Repayable Loan	Affordable down payment financing allowing as little as 2% buyer down on a conventional mortgage
ONE+ Randolph Mortgage Program	City	Deferred Loan	Up to $50,000 in down payment and closing cost assistance
ONE+Boston Homebuyer Program	City	Grant	Enhanced interest rate discounts on 30-year fixed-rate mortgage plus down payment and closing cost assistance; total assistance may not exceed $75,000
ONE+Lowell Pilot Program	City	Grant	Total program award up to $25,000, including interest rate discount ($10,000-$12,500 value) plus down payment and closing cost assistance (up to $12,500)
OneHolyoke CDC Affordable Homes Program	Nonprofit	Grant	Income-restricted homes sold below market value (recent units priced at $225,000)
Oneida County Down Payment Assistance and Rehabilitation Grant	County	Forgivable Loan	Up to $15,000
Onondaga County Homeownership Program	County	Deferred Loan	Subsidized purchase price on rehabilitated homes plus up to $4,000 in closing cost assistance
OnPath Foundation Pathway to Homeownership Grant	Nonprofit	Grant	Up to $5,000 for down payment, closing costs, or prepaid expenses
OnTrack WNC Homebuyer Education and Counseling	Nonprofit	Grant	Free HUD-approved homebuyer education and one-on-one counseling
Opening Doors / Abriendo Puertas	State	Forgivable Loan	—
Opportunity Down Payment Assistance	State	Deferred Loan	Up to $15,000
Orange County Down Payment Assistance Program	County	Deferred Loan	Up to $70,000 (very low income), $40,000 (low income), or $10,000 (moderate income)
Orange County Mortgage Assistance Program (MAP)	County	Deferred Loan	Up to $80,000
Orange County Mortgage Assistance Program (MAP)	County	Deferred Loan	Up to $80,000
Osceola County SHIP Purchase Assistance Program	County	Deferred Loan	Up to $100,000 depending on income tier (Very Low at 50% AMI, Low at 80% AMI, Moderate at 120% AMI)
Ottumwa Habitat for Humanity Homeownership Program	Nonprofit	Zero-Interest Loan	0% interest mortgage with sweat equity requirement
Overland Park Portfolio Homes Pilot Program	City	Government Property Sale Program	Free pre-approved home plans plus waived permit fees — typical savings of $800-$6,000 in design and permit costs
Owensboro Down Payment Assistance Grant	City	Deferred Loan	Up to $5,000
Owensboro Homebuyer Grant	City	Deferred Loan	Varies by funding cycle
Own It: Building Black Wealth Down Payment Grant	Nonprofit	Grant	$19,000 grant
OwnPGH Homeownership Program	City	Grant	Up to $90,000 grant
Paducah-McCracken County Habitat for Humanity Homeownership Program	Nonprofit	Zero-Interest Loan	Affordable home purchase with zero-interest, 25-year mortgage
Palm Beach County HOME First-Time Homebuyer Program	County	Deferred Loan	Up to $100,000
Palm Beach County Homebuyer Match Pilot Program	County	Grant	Up to $50,000
Palm Beach County Housing Finance Authority Homebuyer Program	County	Deferred Loan	Up to $17,500
Palm Beach County Mortgage Credit Certificate Program	County	Tax Credit	Up to $2,000 per year in federal tax credits
Palm Beach County SHIP Purchase Assistance Program	County	Forgivable Loan	Up to $100,000
Palmetto CAP Affordable Housing Program	Nonprofit	Grant	Subsidized home purchase price with potential additional subsidies for qualified buyers

Oakland County Treasurer Homebuyer Assistance Program

CountyGrant$5,000 grant

Oakland Housing Authority Homeownership Voucher Program

CountyGrantMonthly mortgage assistance (housing subsidy applied toward mortgage payment)

Ocean County First-Time Homebuyer Program

CountyForgivable Loan$15,000

OCHFA Homebuyer Program

CountyDeferred LoanDown payment and closing cost assistance combined with competitive first mortgage rates

OHFA 4Teachers Program (Oklahoma)

StateGrant3.5% of total loan amount plus reduced interest rate

OHFA Dream Program (Oklahoma)

StateGrant3.5% of total loan amount

OHFA Grants for Grads

StateForgivable Loan3% for Conventional loans or 3.5% for Government loans (FHA, VA, USDA) of the purchase price, plus a discounted mortgage interest rate

OHFA Homebuyer Down Payment Assistance (Oklahoma)

StateSilent Second Mortgage3.5% of total loan amount

OHFA Mortgage Tax Credit

StateTax CreditFederal tax credit of 40% of annual mortgage interest paid, up to $2,000 per year (with OHFA loan). 15-20% with other lenders.

OHFA Ohio Heroes

StateForgivable Loan3% for Conventional loans or 3.5% for Government loans (FHA, VA, USDA) of the purchase price, plus a discounted mortgage interest rate

OHFA SHIELD Program (Oklahoma)

StateGrant3.5% of total loan amount plus reduced interest rate

OHFA Your Choice! Down Payment Assistance

StateForgivable Loan3% for Conventional loans or 3.5% for Government loans (FHA, VA, USDA) of the purchase price

OIC of Washington Down Payment Assistance

NonprofitDeferred LoanUp to $20,000 or 20% of the home's price, whichever is lower

Oklahoma / Canadian Counties HOME Down Payment Assistance Program

CountyForgivable LoanUp to $14,249 toward down payment and closing costs

Old Colony Habitat for Humanity Homeownership Program

NonprofitZero-Interest LoanAffordable home purchase with affordable mortgage terms

OLHSA Homebuyer Education and Counseling

NonprofitGrant

OlyFed Affordable Homebuyer Program

NonprofitRepayable LoanDiscounted interest rate, reduced origination fee (flat $800 vs typical 1%), discounted PMI, and ability to finance up to 97% with all but $1,000 of down payment from gifts/DPA

Omaha 100 Homebuyer Program

CityRepayable LoanUp to 5% of purchase price plus city-backed second mortgage

Omaha Housing Authority Bridges to Homeownership (HCV Homeownership Program)

CityGovernment-Insured MortgageMonthly homeownership assistance via Housing Choice Voucher payments

ONE Mortgage Program

StateZero-Interest Loan30-year fixed-rate mortgage with 3% down payment and no PMI; qualified borrowers below 80% AMI receive an additional subsidy to lower monthly payments

One Roof Community Land Trust

NonprofitDeferred LoanSubsidized purchase price; CLT model removes the cost of land from the home price, typically saving tens of thousands per purchase

One Roof Essentia Homeownership Program

NonprofitForgivable Loan

One Roof Purchase Assistance Loan (PAL)

NonprofitRepayable LoanAffordable down payment financing allowing as little as 2% buyer down on a conventional mortgage

ONE+ Randolph Mortgage Program

CityDeferred LoanUp to $50,000 in down payment and closing cost assistance

ONE+Boston Homebuyer Program

CityGrantEnhanced interest rate discounts on 30-year fixed-rate mortgage plus down payment and closing cost assistance; total assistance may not exceed $75,000

ONE+Lowell Pilot Program

CityGrantTotal program award up to $25,000, including interest rate discount ($10,000-$12,500 value) plus down payment and closing cost assistance (up to $12,500)

OneHolyoke CDC Affordable Homes Program

NonprofitGrantIncome-restricted homes sold below market value (recent units priced at $225,000)

Oneida County Down Payment Assistance and Rehabilitation Grant

CountyForgivable LoanUp to $15,000

Onondaga County Homeownership Program

CountyDeferred LoanSubsidized purchase price on rehabilitated homes plus up to $4,000 in closing cost assistance

OnPath Foundation Pathway to Homeownership Grant

NonprofitGrantUp to $5,000 for down payment, closing costs, or prepaid expenses

OnTrack WNC Homebuyer Education and Counseling

NonprofitGrantFree HUD-approved homebuyer education and one-on-one counseling

Opening Doors / Abriendo Puertas

StateForgivable Loan