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Help buying a home
134 official programs that help with the down payment and closing costs, from the housing agencies of 52 states. Each one shows what its own page says and the date we checked it.
Kinds of help
The kind of help changes what you pay later. Tap one to see only those programs.
Start here
Before you compare amounts, see how each kind works. These are examples from the list, one per kind, with what their page says.
Grant Colorado
Colorado state agency help with the down payment or closing costs: a grant of up to 3% of the mortgage or a deferred second mortgage of up to 4%, both capped at $25,000
Verified November 5, 2026
DeferredCalifornia
Up to 3.5% of the price · Second loan with no payments until you sell or refinance
RepayableAlabama
Up to 4% of the price, capped at $10,000 · Second loan with monthly payments
The programs, state by state
134 programs
Alabama state authority program with down payment assistance of 4% of the price (up to $10,000) as a 10-year second mortgage, alongside a 30-year fixed mortgage
Verified November 5, 2026
Alabama state authority 30-year low-rate mortgage, for first-time buyers and for people who have owned a home before, with down payment assistance of 4% of the price, up to $10,000, as a ten-year second mortgage
Verified November 5, 2026
Alabama state authority grant for closing costs with an HFA Advantage conventional loan: 1% of the loan if you earn up to 50% of the area median, or half a percent if you earn 50% to 80%
Verified November 5, 2026
Alaska state authority help of 3% or 4% of the loan, paid at closing and not repaid, for the down payment, closing costs or to reduce the principal; with 30-year fixed-rate FHA, VA or USDA mortgages
Verified November 5, 2026
Open, per the source
Arizona IDA down payment assistance across Arizona: a second loan with no interest and no payments, forgiven after five years
Verified November 5, 2026
Only in: Maricopa County
Help from the Phoenix and Maricopa County development authorities for the down payment and closing costs in Maricopa County: up to 6% as a second loan, forgivable or with payments depending on the option; no first-time buyer requirement
Verified November 5, 2026
Arkansas state authority second mortgage of $1,000 to $15,000 for the down payment and closing costs, over 10 years and at the same rate as the ADFA first mortgage (Move-Up or StartSmart)
Verified November 5, 2026
CalHFA second loan with deferred payments for the down payment or closing costs of first-time buyers in California
Verified November 5, 2026
Closed, per the source
CalHFA down payment loan for first-generation buyers in California; when you sell, you repay the loan plus a share of the home's appreciation
Verified November 5, 2026
CalHFA second loan with deferred payments for the down payment or closing costs of first-time buyers who use the CalPLUS Access mortgage (FHA or conventional)
Verified November 5, 2026
CalHFA interest-free loan with deferred payments, only for the closing costs of first-time buyers who use the CalPLUS mortgage (FHA or conventional)
Verified November 5, 2026
Only in: Los Angeles, Los Angeles County
Limited funds remain, per the source
City of Los Angeles loan with no interest and no monthly payments for the down payment, closing costs and purchase of low-income first-time buyers; when you sell, you repay it with a share of the appreciation
Verified November 5, 2026
Colorado state agency help with the down payment or closing costs: a grant of up to 3% of the mortgage or a deferred second mortgage of up to 4%, both capped at $25,000
Verified November 5, 2026
Open, per the source
$25,000 from the Colorado state agency for the down payment of first-generation buyers (neither you nor your parents have owned a home); repaid when you sell, refinance or pay off the mortgage
Verified November 5, 2026
Connecticut state agency second mortgage for the down payment and closing costs: 4% of the price, between $3,000 and $15,000, together with a CHFA mortgage
Verified November 5, 2026
Connecticut state agency loan of up to $25,000, with no interest or monthly payments, for the down payment and closing costs, forgiven 10% each year over ten years; it goes with a CHFA mortgage
Verified November 5, 2026
Connecticut state agency mortgage for first-time buyers and for people who have owned a home before, with deferred 0% help of up to 3.5% of the loan for the down payment or closing costs
Verified November 5, 2026
Delaware state authority second loan of $12,000 at 0%, forgiven 10% for each year you live in the home (all of it after 10 years), for homes up to $285,000; the agency announced it as a temporary program
Verified November 5, 2026
Delaware state authority 0% second mortgage equal to 4% of your mortgage, for the down payment and closing costs, with no monthly payments until you sell, refinance or stop living in the home; with the Welcome Home (first-time buyers) or Open Door (any buyer) mortgages
Verified November 5, 2026
Delaware state authority 0% second mortgage equal to 5% of your mortgage, for the down payment and closing costs, with no monthly payments until you sell, refinance or stop living in the home; only with the Welcome Home mortgage for first-time buyers
Verified November 5, 2026
District of Columbia housing agency program: a mortgage with a deferred 0% loan with no monthly payments that covers the entire minimum down payment, for first-time and repeat buyers of a home in the District
Verified November 5, 2026
District of Columbia interest-free loan of up to $202,000 plus up to $4,000 for closing costs, for very low- to moderate-income first-time buyers; the amount depends on your income, your household and your savings, and District residents get priority
Verified November 5, 2026
Florida Housing second loan with no interest and no monthly payments, repaid when you sell or refinance
Verified November 5, 2026
Florida Housing second loan for the down payment, with monthly payments over 30 years
Verified November 5, 2026
Florida Housing forgivable second loan, only with its conventional mortgages
Verified November 5, 2026
Florida Housing down payment assistance for people who work full time in Florida in certain fields (health care, schools, emergency services, child care) and for military members and veterans
Verified November 5, 2026
Only in: Miami-Dade County
Miami-Dade County loan of up to $35,000, with no interest or monthly payments, for the down payment of first-time buyers who already live in the county; repaid when you sell, refinance or at the end of the term
Verified November 5, 2026
Georgia state program for first-time buyers: a mortgage with down payment assistance of up to 5% of the price or $10,000, as a 0% second mortgage with no monthly payments
Verified November 5, 2026
FHA or VA mortgage from the Georgia Dream program with down payment assistance of 3.5% of the price (up to $10,000), or 4% (up to $12,500) for police officers, educators, health care workers, military members or families with a person with a disability; no first-time buyer requirement
Verified November 5, 2026
Only in: Atlanta, Fulton County, DeKalb County
Invest Atlanta help of up to $20,000 for the down payment, closing costs or a lower rate when you buy within the City of Atlanta, alongside a 30-year mortgage; forgiven if you live in the home 10 years
Verified November 5, 2026
Hawaii state corporation 30-year fixed mortgage for first-time buyers, with optional down payment assistance whose terms the agency has not yet published
Verified November 5, 2026
Only in: Honolulu County
City and County of Honolulu loan, with federal HOME funds, of up to $40,000 at 0% and with no fees, for the down payment only, repaid over 20 years; for first-time buyers on Oʻahu with incomes up to 80% of the area median who put down at least 5% of the price
Verified November 5, 2026
Idaho state association second mortgage for up to 8% of the price for the down payment or closing costs, repaid in small monthly installments along with the first mortgage; you do not need to be a first-time buyer
Verified November 5, 2026
Limited funds remain, per the source
IHDA second loan with deferred payments for first-time buyers in Illinois
Verified November 5, 2026
Limited funds remain, per the source
IHDA second loan forgiven little by little over ten years, for the down payment in Illinois
Verified November 5, 2026
Limited funds remain, per the source
IHDA second loan with no payments until you sell or refinance, for the down payment in Illinois
Verified November 5, 2026
Limited funds remain, per the source
IHDA interest-free second loan repaid month by month over ten years, for the down payment in Illinois
Verified November 5, 2026
Limited funds remain, per the source
Flat $9,000 from IHDA for the down payment and closing costs, as a 0% second mortgage with no monthly payments that is forgiven over five years; for first-time buyers and for people who have owned a home before (limited funds)
Verified November 5, 2026
Only in: Chicago, Cook County
Open, per the source
Chicago Department of Housing grant for the down payment and closing costs, from $10,000 to $70,000 depending on your income and the home's area; you apply through NLS or TRP and must live in the home five years
Verified November 5, 2026
Indiana state agency program with down payment assistance of 2.5% or 3.5% of the price, alongside a 30-year FHA or conventional mortgage
Verified November 5, 2026
Indiana state agency 30-year FHA or conventional mortgage for first-time buyers (or homes in designated areas), with down payment assistance as a second mortgage with no interest or payments, repaid when the first mortgage ends
Verified November 5, 2026
With the Iowa state authority's FirstHome mortgage, a first-time buyer can get a second loan of up to 3% of the price (maximum $10,000) or up to 5% (maximum $15,000), with no monthly payments, repaid when you sell, refinance or pay off the mortgage
Verified November 5, 2026
Iowa state authority second loan, with the Homes for Iowans mortgage, of up to 3% of the price (maximum $10,000) or 5% (maximum $15,000) for the down payment and closing costs; no monthly payments, and for any buyer
Verified November 5, 2026
Kansas state corporation 0% loan for 15% or 20% of the price for the down payment and closing costs, forgiven after 10 years in the home, for households with income up to 80% of the area median; not available in Johnson County or in Kansas City, Lawrence, Topeka and Wichita
Verified November 5, 2026
Kentucky state corporation loan of up to $12,500 for the down payment and closing costs, repaid over 15 years as a second loan, for buyers who take a KHC mortgage
Verified November 5, 2026
Louisiana state corporation 30-year mortgage for first-time buyers with 4% of the loan in assistance, as a 0% second mortgage forgiven after 60 months
Verified November 5, 2026
Louisiana state corporation 30-year mortgage with 4% of the loan in assistance, as a 0% second mortgage forgiven after 60 months; you do not need to be a first-time buyer, but you cannot own another home at closing
Verified November 5, 2026
With the Maine state agency's First Home mortgage, the buyer gets $5,000 for the down payment and closing costs (up to $14,000 for 2- to 4-unit homes), with no second mortgage
Verified November 5, 2026
Maine state agency mortgage with a rate 1% lower than its First Home mortgage and a $10,000 grant for the down payment and closing costs, with no second mortgage; for people who have never owned a home and never lived in a home their parents or guardians owned, or who were in foster care
Verified November 5, 2026
Maryland Mortgage Program mortgages for first-time buyers, with a deferred 0% second mortgage for the down payment: $6,000, or 3%, 4% or 5% of the loan
Verified November 5, 2026
Maryland Mortgage Program mortgages for first-time buyers and for people who have owned a home before; Flex 6000 brings $6,000 and Flex 3% brings 3% of the loan for the down payment, as a deferred 0% second loan
Verified November 5, 2026
Maryland Mortgage Program loan of up to 15% of the price (maximum $25,000) to pay off your student debt when you buy a home; no interest or monthly payments, and forgiven after five years if you stay in the home
Verified November 5, 2026
Massachusetts state agency second mortgage for the down payment: up to $30,000 at 0% and deferred, or up to $25,000 at 2% or 3% over 15 years, for first-time buyers with eligible income
Verified November 5, 2026
Only in: Boston, Suffolk County
City of Boston help with the down payment and closing costs: up to 3% of the price (maximum $50,000) with income under 100% of the median, or up to 2% (maximum $35,000) between 101% and 135%; it is a grant for people who already live in Boston and a deferred 0% loan for those who do not
Verified November 5, 2026
Michigan state agency loan of up to $10,000, with no interest and no monthly payments, for the down payment, closing costs and prepaid expenses; it goes with MSHDA's MI Home Loan mortgage and is repaid in certain cases, such as when you pay off the first mortgage, sell or refinance the home, or no longer live in it
Verified November 5, 2026
Michigan state authority certificate that lets you take 20% of the interest you pay each year on your mortgage off your federal taxes, for the life of the loan; you apply with an approved lender before you buy
Verified November 5, 2026
Minnesota state agency loan for the down payment and closing costs alongside the Start Up mortgage for first-time buyers: up to $14,000 (or $18,000 in the Plus version), with no interest or monthly payments, repaid at the end of the mortgage
Verified November 5, 2026
Minnesota Housing loan of up to $14,000 for the down payment and closing costs, which you repay over 15 years at the same rate as your Minnesota Housing mortgage; it works with Start Up (first-time buyers) or Step Up
Verified November 5, 2026
Mississippi state corporation 30-year mortgage with $7,000 for the down payment or closing costs as a 0% second mortgage, repaid when you sell, refinance, stop living in the home or pay off the mortgage; no first-time buyer requirement
Verified November 5, 2026
Mississippi state corporation 30-year mortgage with $8,000 at 0% as a second mortgage for the down payment, closing costs or prepaid expenses, repaid when you sell, refinance, stop living in the home or pay off the mortgage; for first-time buyers, except in designated areas and for veterans
Verified November 5, 2026
Mississippi state corporation forgivable grant, with federal HOME funds, of up to $25,000 for the down payment, closing costs or to reduce the principal; for first-time buyers with incomes under 80% of the area median and a fixed-rate mortgage; if you sell before 5 or 10 years (depending on the amount), you may repay part of it
Verified November 5, 2026
Missouri state commission mortgage for first-time buyers and veterans, with the option of cash assistance for the down payment and closing costs
Verified November 5, 2026
Missouri state commission mortgage for buyers who earn more than First Place allows, with a second loan of 4% of the mortgage for the down payment and closing costs that is forgiven after ten years
Verified November 5, 2026
Montana Board of Housing loan for up to 5% of the price (maximum $15,000) for the down payment, over 15 years with low payments and the same rate as the bond program's first mortgage; there is also a Plus version, 0% and deferred, for lower incomes
Verified November 5, 2026
Montana Board of Housing certificate that lets you take 20% of the interest you pay each year on your mortgage off your federal taxes, up to $2,000 a year, while you live in the home; for first-time buyers, with a loan that is not from another Board program
Verified November 5, 2026
Nebraska state authority program for first-time buyers: a NIFA mortgage plus a second mortgage of up to 5% of the price at 1%, over 10 years, for the down payment and closing costs
Verified November 5, 2026
Nebraska state authority option that adds a second loan for the down payment and closing costs to the Welcome Home mortgage, for first-time buyers and for people who have owned a home before; the page does not state the amount
Verified November 5, 2026
Nevada Housing Division program: up to 5% of the loan for the down payment or closing costs, with no first-time buyer requirement
Verified November 5, 2026
Nevada Housing Division program for first-time buyers: a 30-year mortgage with interest-free help for the down payment and closing costs of up to 4% of the loan, which is not forgiven
Verified November 5, 2026
$7,500 from the Nevada Housing Division for public school teachers, for the down payment and closing costs; forgiven after five years if you still live in the home
Verified November 5, 2026
New Hampshire state agency cash assistance of $5,000, $10,000 or $15,000 for the down payment with an NH Housing mortgage; open to any buyer who qualifies, not only first-time buyers
Verified November 5, 2026
Limited funds remain, per the source
New Hampshire state agency help of $10,000 for the down payment, closing costs and the escrow account, as a second mortgage with no interest or payments, repaid when you sell, refinance or leave the home; for first-generation buyers, people who were in foster care, or refugees or asylees
Verified November 5, 2026
NJHMFA second loan with no interest, forgiven after five years, for first-time buyers in New Jersey
Verified November 5, 2026
Extra NJHMFA assistance for first-time buyers whose parents have never owned a home (or who were in foster care in New Jersey)
Verified November 5, 2026
New Mexico state agency fixed-rate second mortgage for the down payment and closing costs of first-time buyers, together with the FirstHome mortgage
Verified November 5, 2026
New Mexico state agency fixed $7,000 second mortgage for the down payment and closing costs of low-income first-time buyers; no monthly payments and forgivable after 10 years
Verified November 5, 2026
New Mexico state agency fixed $10,000 third loan at 0%, for the down payment only, added to FirstDown or HomeNow; repaid in monthly installments over 15 years
Verified November 5, 2026
New Mexico state agency 15-year fixed-rate second mortgage of up to 3% of the price for the down payment, for people who have owned a home before or do not qualify for FirstHome
Verified November 5, 2026
SONYMA second loan with no interest, forgiven after ten years, for the down payment with a SONYMA mortgage in New York
Verified November 5, 2026
SONYMA mortgage at a very low fixed rate for low-income first-time buyers in New York, with a minimal down payment
Verified November 5, 2026
Only in: New York City, Bronx County, Kings County, New York County, Queens County, Richmond County
New York City interest-free forgivable loan of up to $100,000 (or 20% of the price) for the down payment or closing costs of first-time buyers in the city's five boroughs
Verified November 5, 2026
NCHFA fixed-rate mortgage with down payment assistance, for first-time buyers and for people who have owned a home before, in North Carolina
Verified November 5, 2026
A fixed amount of NCHFA down payment assistance for first-time buyers and veterans in North Carolina
Verified November 5, 2026
NCHFA interest-free loan with deferred payments of up to 25% of the price (maximum $50,000) for the down payment of low- and moderate-income buyers in North Carolina; you apply through a member organization
Verified November 5, 2026
With the North Dakota state agency's FirstHome mortgage, the buyer gets 3% of the loan as a credit toward the cash due at closing (down payment, closing costs and prepaid expenses); it cannot be combined with other assistance
Verified November 5, 2026
North Dakota state agency help for low-income buyers with an agency mortgage: 3% of the loan as a credit toward the cash you need at closing (down payment, closing costs and prepaid expenses); it cannot be combined with other assistance
Verified November 5, 2026
Ohio state agency help of 2.5% or 5% of the price for the down payment, closing costs or other costs before closing, forgiven after seven years; if you sell sooner, you repay all of it
Verified November 5, 2026
Ohio state agency certificate that turns part of your mortgage interest into a credit on your federal tax return, up to $2,000 a year: 40% with an OHFA mortgage (MTC Plus) or 15% to 20% with another mortgage (MTC Basic)
Verified November 5, 2026
Oklahoma state agency help of 3.5% of the loan for the down payment and closing costs, as a second lien with no interest and no installments, repaid when you pay off the loan, refinance or leave the home
Verified November 5, 2026
Only in: Oklahoma City, Oklahoma County
City of Oklahoma City forgivable loan, with federal HOME funds, of up to $18,000 for the down payment and closing costs, plus up to $5,000 to lower the rate; for incomes up to 80% of the median and homes within the program area
Verified November 5, 2026
Oregon state funds for the down payment and closing costs, delivered by local organizations: up to $60,000 or 20% of the price, sometimes as a grant or as a forgivable second mortgage, for first-time or first-generation buyers with income up to 100% of the area median
Verified November 5, 2026
Oregon Housing and Community Services mortgage for low- and moderate-income first-time buyers, with down payment assistance of 4% or 5% of the loan as a second mortgage
Verified November 5, 2026
Oregon Housing and Community Services mortgage for any buyer, including people who have owned a home before, with down payment assistance of 4% or 5% of the loan as a second mortgage that can be forgivable or repayable
Verified November 5, 2026
Pennsylvania state agency loan for the down payment and closing costs: up to 4% of the price or $6,000, at 0%, repaid over 10 years
Verified November 5, 2026
PHFA second loan of 5% of the price (or the appraised value, whichever is lower) for the down payment and closing costs, forgiven 10% each year over ten years; it goes with the Keystone Home Loan mortgage
Verified November 5, 2026
PHFA 0% second loan with no monthly payments, of 5% of the price (8% if the loan is $150,000 or less, as funds allow) for the down payment and closing costs; repaid when you sell, refinance or pay off the mortgage
Verified November 5, 2026
Only in: Philadelphia, Philadelphia County
City of Philadelphia grant of up to $10,000 (or 6% of the price, whichever is less) for the down payment, closing costs or to reduce the loan of first-time buyers with income within the limit
Verified November 5, 2026
Puerto Rico Housing Finance Authority help of up to $45,000 per eligible household (plus $5,000 if you buy in a designated urban center) to buy an existing home; with a mortgage from a participating financial institution
Verified November 5, 2026
Puerto Rico Housing Finance Authority help, with federal HOME funds, for the down payment (pronto pago) of low- and moderate-income families who buy their primary residence with a mortgage; not repaid if you meet the program's conditions
Verified November 5, 2026
Rhode Island state agency loan of $15,000 at 0% with no monthly payments for the down payment or closing costs of first-time buyers with a RIHousing mortgage; repaid when you sell or leave the home
Verified November 5, 2026
RIHousing second mortgage for first-time buyers, of up to 6% of the price or $20,000 (whichever is less) for the down payment, which you repay over 15 years at the same rate as your RIHousing mortgage
Verified November 5, 2026
Only in: Central Falls, East Providence, Pawtucket, Woonsocket, Providence, Newport, Providence County, Newport County
Limited funds remain, per the source
RIHousing pilot help of $25,000 for the down payment or closing costs of first-generation buyers who now live in certain cities; no interest or payments, and not repaid if you live in the home five years
Verified November 5, 2026
South Carolina state agency program with forgivable down payment assistance of 0%, 3% or 4% of the loan, with no monthly payments, for any buyer in all 46 counties
Verified November 5, 2026
South Carolina state agency fixed-rate mortgage with forgivable help for the down payment, closing costs or prepaid expenses: a 0% second mortgage with no monthly payments, forgiven if you live in the home 15 years
Verified November 5, 2026
Only in: Abbeville County, Allendale County, Bamberg County, Barnwell County, Beaufort County, Calhoun County, Cherokee County, Chester County, Chesterfield County, Clarendon County, Colleton County, Darlington County, Dillon County, Edgefield County, Fairfield County, Florence County, Georgetown County, Hampton County, Horry County, Jasper County, Kershaw County, Laurens County, Lee County, Marion County, Marlboro County, McCormick County, Newberry County, Orangeburg County, Saluda County, Union County, Williamsburg County
South Carolina state agency rural initiative for certain counties: an FHA, USDA or VA mortgage at a special fixed rate with forgivable down payment assistance, for first-time buyers and for people who have owned a home before
Verified November 5, 2026
South Dakota state authority mortgage with 3% or 5% of the loan for the down payment and closing costs, as a 0% second mortgage with no payments, repaid when you sell or pay off the home
Verified November 5, 2026
South Dakota state authority certificate that turns part of your mortgage interest into a credit on your federal taxes, of up to $2,000 a year while you live in the home and keep the original mortgage; for first-time buyers, requested through a participating lender before closing
Verified November 5, 2026
Tennessee state agency help with the down payment and closing costs alongside the Great Choice mortgage: $6,000 or $10,000 forgivable over 10 years with no payments, or up to 5% of the price (maximum $15,000) as a 30-year second mortgage
Verified November 5, 2026
Only in: Memphis, Shelby County
City of Memphis help with the down payment and closing costs of a new or existing home within the city, for incomes up to 80% of the area median; the page does not state the amount
Verified November 5, 2026
Texas state program for first-time buyers: a 30-year mortgage with down payment assistance
Verified November 5, 2026
Texas state program with down payment assistance for any buyer, not only first-time buyers
Verified November 5, 2026
Limited funds remain, per the source
Texas state certificate that turns part of your mortgage interest into a credit on your federal tax return
Verified November 5, 2026
TSAHC down payment assistance for teachers, police officers, firefighters, paramedics, veterans and health care workers in Texas
Verified November 5, 2026
TSAHC down payment assistance for buyers in any line of work in Texas
Verified November 5, 2026
Open, per the source
TSAHC certificate that gives you back 15% of the interest you pay on your mortgage as a credit on your federal tax return; today it is offered only together with TSAHC programs
Verified November 5, 2026
Only in: Houston, Harris County, Fort Bend County, Montgomery County
Out of funds for now, per the source
City of Houston interest-free forgivable loan of up to $75,000 for the down payment, closing costs or to buy down the mortgage of first-time buyers with income up to 80% of the median; forgiven if you live in the home eight years
Verified November 5, 2026
Utah state agency second mortgage for the down payment or closing costs alongside its first mortgage: up to 6% of the loan with monthly payments, or up to 3.5% at 3.5% with deferred interest and no payments; capped at $27,500
Verified November 5, 2026
Utah state loan, run by Utah Housing, of up to $20,000 with no interest or monthly payments for the down payment, closing costs or a lower rate; only for first-time buyers of a newly built home with a Utah Housing mortgage
Verified November 5, 2026
Vermont state agency loan of up to $10,000 at 0% deferred, with no monthly payments, for the down payment and closing costs alongside the VHFA MOVE mortgage; for people who have never owned a home and have less than $20,000 in liquid savings
Verified November 5, 2026
Open, per the source
Vermont state agency grant of $15,000 for the down payment and closing costs, with a VHFA mortgage; for people who have never owned a home and have less than $20,000 in liquid savings, if their parents or guardians never owned a home (or lost it to foreclosure) or if they were in foster care
Verified November 5, 2026
Vermont state agency certificate that turns up to 50% of the interest you pay each year on your mortgage into a credit on your federal taxes, capped at $2,000 a year, while you live in the home and keep the original mortgage
Verified November 5, 2026
Virginia state agency down payment grant that you do not repay; for first-time buyers, or any buyer in economic opportunity zones, with a Virginia Housing mortgage
Verified November 5, 2026
Virginia Housing 30-year fixed-rate second mortgage of up to 5% of the price for the down payment (and part of the closing costs with a credit score of 680 or higher); for first-time buyers and for people who have owned a home before
Verified November 5, 2026
Virginia Housing grant that you do not repay, of up to 2% of the price, for the closing costs of buyers with a Virginia Housing RD (Rural Development) or VA loan
Verified November 5, 2026
Washington state commission 0% second mortgage for 3%, 4% or 5% of the first mortgage, with no monthly payments; you do not need to be a first-time buyer
Verified November 5, 2026
Washington state commission loan with no monthly payments of up to 20% of the price (maximum $150,000) plus closing costs, for first-time buyers whose family lived in Washington before 1968 and belonged to a group affected by housing discrimination, including Hispanic people
Verified November 5, 2026
Washington state commission loan of up to $15,000 at 1% simple interest, with no monthly payments, for the down payment and closing costs of first-time buyers with the House Key Opportunity mortgage
Verified November 5, 2026
Washington state commission loan of up to $15,000, with no monthly payments, for the down payment and closing costs of buyers who have a disability or live with a family member with a disability
Verified November 5, 2026
West Virginia state fund loan of up to $12,000 for the down payment and closing costs, over 15 years at 2% interest, only with the Homeownership Program mortgage
Verified November 5, 2026
Wisconsin state agency second mortgage for the down payment: up to 6% of the price, over 10 years with a monthly payment and the same rate as the WHEDA first mortgage
Verified November 5, 2026
Limited funds remain, per the source
$7,500 loan from the Wisconsin state agency for the down payment and closing costs, over 30 years, at 0% and with no monthly payments, alongside a WHEDA mortgage; limited funds, first come, first served
Verified November 5, 2026
Wyoming state authority loan of up to $15,000 for the down payment, at 0% with no monthly payments, repaid when you sell, refinance or after 30 years; alongside WCDA's First-time Homebuyer, Spruce Up or Edge mortgages
Verified November 5, 2026
Wyoming state authority loan of up to $15,000 for the down payment, closing costs and prepaid expenses, at a fixed rate with low monthly payments for up to 10 years; only with WCDA's Advantage mortgage, which does not require you to be a first-time buyer
Verified November 5, 2026
Wyoming state authority certificate that turns part of your mortgage interest into a credit on your federal taxes for the life of the loan, as long as you keep qualifying; for first-time buyers, only with WCDA's HFA Preferred or Advantage mortgages; if you pay the federal recapture tax, you may get a refund from WCDA
Verified November 5, 2026
No program matches your search.
A summary of what each program publishes; not a loan offer or advice. Amounts, limits and funding change without notice. Amounts, limits and funds change: confirm with the program or a participating lender.
How we do it
We read each program's official page and copy what it says about the amount and who qualifies, with the date.
If its page doesn't say something (ITIN, minimum credit, whether you must be a first-time buyer), we write "Not stated — ask". We don't guess.
We check every program again. If more than 180 days pass without a check, its page warns that it may have changed.
Last checked: November 5, 2026
Free help
Answer a few questions and we show the programs that might fit, or talk for free with a HUD-approved housing counselor.
Short guides on how this help works and what to ask.
Help and programs
What down payment assistance is, the types that exist (grant, forgivable or deferred second loan, tax credit), who qualifies and where to find it.
Help and programs
What a homebuyer education course is, when Fannie Mae, Freddie Mac and assistance programs require one, and where to take it for free or in Spanish.
Help and programs
What a HUD-approved housing counselor does, what they help with (buying, renting, missed payments, credit), what they may charge and how to find one.
Free tools. What you type stays on your phone.
Answer a few questions and see which programs might fit.
Add up closing costs and the help you might get.
See what home price fits your budget.
Work out your monthly payment with taxes and insurance.
