Nationwide directory

State programs & lender directory

Choose a state to see its housing finance agency, the flagship down-payment assistance program, USDA and VA contacts, and the lender channels that actually write these loans there.

Select your state

Pick from the list

Or type a state name

Ask every program these questions

The answers decide whether the assistance actually works with your loan.

Program qualifying questions

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Is this assistance a grant, a forgivable second, or a repayable second mortgage?
What is the income limit for my household size in this county?
What is the purchase-price or acquisition-cost cap?
Does the program allow new construction and land purchase, or resale homes only?
Is homebuyer education required, and which course does the agency accept?
Can the DPA layer on top of a USDA or VA first mortgage?
What happens to the assistance if I refinance or sell in the first five years?
Which lenders in my county are actually approved to originate this program right now?

Program names, caps and funding rounds change frequently. Always verify on the agency's own site before relying on anything here.