Help to buy in Mississippi
Home-buying assistance programs in Mississippi
3 official programs for down payment and closing cost help in Mississippi, from Mississippi Home Corporation. We show what each program says on its own page, with the date we checked it.
Key numbers in Mississippi
- Verified programs
- 3
- from Mississippi Home Corporation
- First-time buyers only
- 2
- 1 does not require it or its page does not say
- Accept an ITIN
- 0
- per their own site · no: 0 · unconfirmed: 3
- Last checked
- November 5, 2026
- against each program’s official page
How to read the list
Not all help is the same
Amounts, limits and funding change: confirm with a participating lender.
Before you compare amounts, look at the kind of help: it changes what you pay later. These are the kinds the programs on this page use.
On ITIN, each card says what the program itself publishes: yes, no, or not confirmed on its site.
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Deferred
Second loan with no payments until you sell or refinance
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Grant
Grant you never repay
The full list
Programs in Mississippi
Filter by who qualifies, by ITIN or by kind of help. Each card quotes the source and the date we checked it.
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- Deferred
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
What it gives, per the source
$7,000 downpayment and/or closing cost at 0% interest. … Payable back to MHC at Due-On-Sale, Refinance, Non-Owner Occupied, or 1st Mortgage Paid in Full
- First-time buyer?
- No first-time requirement
- Accepts ITIN?
- Its site does not confirm
Run by Mississippi Home Corporation (MHC)
Verified November 5, 2026
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- Deferred
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
What it gives, per the source
Easy8 offers $8,000 in down payment assistance and closing costs with a competitive interest rate. … $8,000 with 0% interest … Due-on-sale payable to MHC at refinance, non-owner occupied, or 1st mortgage paid in full … Can be used towards down payment, closing costs, or pre-paids
- First-time buyer?
- First-time buyers only
- Accepts ITIN?
- Its site does not confirm
Run by Mississippi Home Corporation (MHC)
Verified November 5, 2026
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- Grant
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
What it gives, per the source
The Home4All program is designed to assist people to become homeowners by providing up to $25,000 in homebuyer assistance. … Downpayment assistance cannot exceed 50% of the purchase price. … Grant amount will be based on the homebuyer’s need and is subject to an affordability period. … Home4All is a HOME-funded Homebuyer Assistance Program administered by Mississippi Home Corporation (MHC) that provides down payment assistance and closing cost assistance as a forgivable grant to eligible homebuyers. … Down payment assistance … Closing cost assistance … Principal reduction … Less than $15,000 - 5 Years … $15,000-$40,000 - 10 Years … Recapture is the repayment of HOME assistance when the property is sold or transferred during the affordability period.
- First-time buyer?
- First-time buyers only
- Accepts ITIN?
- Its site does not confirm
Run by Mississippi Home Corporation (MHC)
Verified November 5, 2026
No program matches your search.
Help to repair your home
Repair programs in Mississippi
One program we checked in Mississippi to repair your home or make it more efficient, with what its page says.
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Weatherization Assistance Program (WAP)
Run by Mississippi Department of Human Services (MDHS)
Mississippi weatherization program: upgrades that cut energy use in low-income homes, through local agencies
Your county
Price and income limits depend on the county. Your county page has the typical value, the FHA limit and the counseling agencies that can walk you through the application.
Frequently asked questions
What is down payment assistance?
Money from a public or nonprofit program for the down payment or closing costs. It can be a grant you never repay, a second loan forgiven if you stay in the home for some years, a second loan repaid when you sell or refinance, or a tax credit (MCC) that lowers your federal taxes.
Do I need to be a first-time buyer in Mississippi?
Of the 3 programs on this page, 2 require it; the rest do not, or their page does not say. In general, “first-time buyer” means not having owned a home in the last three years.
Can I use these programs with an ITIN?
What each program’s own site says: accept an ITIN, 0; do not accept one, 0; not confirmed on its site, 3. Ask the participating lender directly before you start, and ask for it in writing.