Help to buy in Puerto Rico
Home-buying assistance programs in Puerto Rico
2 official programs for down payment and closing cost help in Puerto Rico, from Autoridad para el Financiamiento de la Vivienda de Puerto Rico. We show what each program says on its own page, with the date we checked it.
Key numbers in Puerto Rico
- Verified programs
- 2
- from Autoridad para el Financiamiento de la Vivienda de Puerto Rico
- First-time buyers only
- 1
- 1 does not require it or its page does not say
- Accept an ITIN
- 0
- per their own site · no: 1 · unconfirmed: 1
- 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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Type not stated
The source does not say the type of help
The full list
Programs in Puerto Rico
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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- Type not stated
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
What it gives, per the source
Hasta un máximo de $45,000.00 por cada hogar elegible de Ingresos Bajos y Moderados (LMI) o de Necesidad Urgente (UN). … Incentivo adicional de $5,000.00 para los hogares elegibles que decidan comprar una vivienda dentro de un centro urbano … para apoyar a los compradores de vivienda elegibles en la compra de una propiedad existente.
- First-time buyer?
- The source does not say whether you must be a first-time buyer
- Accepts ITIN?
- No, per its site
Run by Autoridad para el Financiamiento de la Vivienda de Puerto Rico (AFV)
Verified November 5, 2026
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- Type not stated
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
What it gives, per the source
El Programa Home se enfoca en asistir a familias con pronto pago para la compra de su residencia principal. … Debe cumplir con las condiciones restrictivas que acuerden con el Programa y con su periodo de asequibilidad y no se tendría que repagar el subsidio. … El Programa Home asiste a la familia con un Pronto Pago que se combina con un préstamo hipotecario.
- First-time buyer?
- First-time buyers only
- Accepts ITIN?
- Its site does not confirm
Run by Autoridad para el Financiamiento de la Vivienda de Puerto Rico (AFV)
Verified November 5, 2026
No program matches your search.
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 Puerto Rico?
Of the 2 programs on this page, 1 requires 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, 1; not confirmed on its site, 1. Ask the participating lender directly before you start, and ask for it in writing.