50-state directory
First-time homebuyer and assistance directory
Search state, county and national programs offering down-payment help, closing-cost assistance, grants and forgivable loans.
Search filters
8 programs found
My First Texas Home
Texas Department of Housing and Community Affairs · Texas
Down-payment assistance
- Assistance amount
- Up to 5% of the loan amount
- Income limit
- Varies by county and household size
- Purchase-price limit
- Varies by county
- Occupation requirement
- Any
- Property type
- Single family, condo, manufactured
- Construction compatibility
- Ask the participating lender
- Repayment terms
- Second lien with program terms
- Forgiveness terms
- Some options are forgivable
- Required education
- Homebuyer education required
- Application steps
- Apply through a participating lender
Last verified 2025-01-15. Confirm current terms before relying on this record.
Georgia Dream Homeownership Program
Georgia Department of Community Affairs · Georgia
Down-payment assistance
- Assistance amount
- $10,000–$12,500 depending on the option
- Income limit
- Household income limits apply
- Purchase-price limit
- Purchase-price limits apply
- Occupation requirement
- Protectors, educators, healthcare workers may qualify for more
- Property type
- Single family
- Construction compatibility
- Ask the participating lender
- Repayment terms
- Deferred second mortgage
- Forgiveness terms
- Repaid on sale or refinance
- Required education
- Required
- Application steps
- Apply through a Georgia Dream participating lender
Last verified 2025-01-15. Confirm current terms before relying on this record.
Your Choice! Down Payment Assistance
Ohio Housing Finance Agency · Ohio
Down-payment and closing-cost assistance
- Assistance amount
- 2.5% or 5% of the purchase price
- Income limit
- County income limits apply
- Purchase-price limit
- County purchase-price limits apply
- Occupation requirement
- Any
- Property type
- Single family, condo
- Construction compatibility
- Ask the participating lender
- Repayment terms
- Forgiven after the required occupancy period
- Forgiveness terms
- Forgivable
- Required education
- Required for some products
- Application steps
- Apply through an OHFA-approved lender
Last verified 2025-01-15. Confirm current terms before relying on this record.
NC Home Advantage Mortgage
North Carolina Housing Finance Agency · North Carolina
Down-payment assistance
- Assistance amount
- Up to 3% of the loan amount
- Income limit
- Annual income limits apply
- Purchase-price limit
- Sales-price limits apply
- Occupation requirement
- Any
- Property type
- Single family, townhome, condo, manufactured
- Construction compatibility
- Ask the participating lender
- Repayment terms
- Deferred
- Forgiveness terms
- Varies by product
- Required education
- Recommended
- Application steps
- Apply through a participating lender
Last verified 2025-01-15. Confirm current terms before relying on this record.
USDA Section 502 Direct Loan
USDA Rural Development · All states
Direct loan with payment assistance
- Assistance amount
- Payment assistance subsidy for qualified borrowers
- Income limit
- Low and very low income limits
- Purchase-price limit
- Area loan limits
- Occupation requirement
- Any
- Property type
- Modest single family, some new construction
- Construction compatibility
- Ask the USDA state office
- Repayment terms
- 33 or 38 year terms available
- Forgiveness terms
- Subsidy may be subject to recapture
- Required education
- Required in most cases
- Application steps
- Apply through the USDA state or area office
Last verified 2025-01-15. Confirm current terms before relying on this record.
Habitat for Humanity Homeownership Program
Local Habitat for Humanity affiliates · All states
Nonprofit homeownership program
- Assistance amount
- Affordable mortgage with sweat-equity participation
- Income limit
- Affiliate income ranges apply
- Purchase-price limit
- Affiliate specific
- Occupation requirement
- Any
- Property type
- New construction and rehab
- Construction compatibility
- Program builds the home
- Repayment terms
- Affordable mortgage payments
- Forgiveness terms
- Not applicable
- Required education
- Required
- Application steps
- Contact your local affiliate for the application window
Last verified 2025-01-15. Confirm current terms before relying on this record.
Good Neighbor Next Door
U.S. Department of Housing and Urban Development · All states
Discount program
- Assistance amount
- 50% discount on eligible HUD homes
- Income limit
- None published
- Purchase-price limit
- Listing specific
- Occupation requirement
- Teachers, law enforcement, firefighters, EMTs
- Property type
- HUD-owned single family
- Construction compatibility
- Not applicable
- Repayment terms
- Silent second forgiven after 36 months of occupancy
- Forgiveness terms
- Forgivable
- Required education
- Not required
- Application steps
- Bid through a HUD-registered broker during the listing period
Last verified 2025-01-15. Confirm current terms before relying on this record.
Native American Direct Loan
U.S. Department of Veterans Affairs · All states
Direct loan
- Assistance amount
- Potential zero down payment
- Income limit
- None published
- Purchase-price limit
- VA limits may apply
- Occupation requirement
- Native American veterans and eligible spouses
- Property type
- Home purchase, construction or improvement on trust land
- Construction compatibility
- Construction is eligible in some cases
- Repayment terms
- Standard amortizing mortgage
- Forgiveness terms
- Not applicable
- Required education
- Recommended
- Application steps
- Work with the VA regional loan center and your tribal government
Last verified 2025-01-15. Confirm current terms before relying on this record.
What this means
- Assistance is usually layered on top of a first mortgage, so the program and the loan must be compatible with each other and with your lender.
What to do next
- Confirm the program is still funded for this calendar year.
- Ask your lender whether they are an approved participating lender.
- Complete required homebuyer education early — it is often a bottleneck.
Questions to ask
- Is the assistance a grant, forgivable loan, or repayable second?
- What happens if I sell or refinance early?
- Can this be combined with USDA or VA financing?
Documents to gather
- Proof of income
- Tax returns
- Homebuyer education certificate
- Photo ID