Low down payment and grant programs

Low down payment and grant options for first-time and repeat home buyers.

Available programs


Alabama Housing

Alabama Housing Finance Authority (AHFA) mortgage programs provide lenders innovative financial solutions for potential low- to moderate-income homebuyers. The program offers low interest rates and down payment assistance as well as a MCC program giving homebuyers another savings option. Qualifying criteria is flexible given AHFA’s generous income and sales price limits

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El Paso County Housing Authority Turnkey Program

Provides a competitive fixed-rate home loan with down payment assistance equal to 4% of the loan amount...

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Colorado Housing Finance Authority (CHFA)

CHFA provides fixed-rate loans, CHFA Down Payment Assistance Grant and zero-percent second home loans...

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Delaware State Housing Authority

The Delaware State Housing Authority (DSHA) offers affordable homeownership programs with goal to promote economic development across the state of Delaware. Program includes down payment assistance up to 5% of the loan amount in the form of a second mortgage with a deferred repayment for 30 years at 0% interest.

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Housing Finance Authority of Lee County

The Housing Financing Authority of Lee County’s Own a Home programs are designed for first-time homebuyers who need down payment assistance along with grant programs to provide assistance to eligible borrowers who meet the income and purchase price limits required by the program.

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Georgia Dream

The Georgia Dream Homeownership Program provides first mortgage loans, down payment assistance and home buyer education to eligible home buyers. An eligible borrower must not have owned a home in the past three years, or must be purchasing a home in a targeted area. The borrower must meet income and purchase price limits, have limited assets, and must invest at least $1,000 into the purchase transaction.

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Indiana Housing

Indiana Housing & Community Development (IHCD) offers several programs to assist both first-time and repeat homebuyers.

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Kentucky Housing

Kentucky Housing Corporation (KHC) invests in affordable housing solutions by offering a variety of loan programs and available down payment assistance. First-time and repeat borrowers are eligible.

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Michigan State Housing Development Authority (MSHDA)

MSHDA provides financial and technical assistance in Michigan through public and private partnerships to create and preserve decent, affordable housing for low-and moderate-income residents and to engage in community economic development activities to revitalize urban and rural communities.

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New Jersey

New Jersey's Police and Fireman's Retirement System

Qualified Police Officers and Firefighters receive low competitive rates on the purchase of a home.

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New Jersey Housing

Qualified borrowers receive up to $10,000 towards down payment and closing costs.

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Nevada Housing Division (NHD)

30 -year fixed home loan with various down payment assistance options.

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Nevada Rural Housing

Qualified borrowers receive up to 2% of the loan amount towards down payment and closing costs.

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North Carolina

North Carolina Housing Finance Agency Program

The North Carolina Housing Finance Agency works with participating lenders throughout North Carolina to provide affordable home loan options for first-time and move-up buyers.

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Pennsylvania Housing

Pennsylvania Housing Finance Agency (PHFA) works to provide affordable homeownership options for low and moderate income families. Through its mortgage programs, PHFA promotes economic development across the state of Pennsylvania. Down payment assistance programs are available in the form of a second mortgage up to $6,000 for Keystone Advantage and up to $10,000 for K-FIT. The second mortgage programs feature a 0% interest rate and are repayable over a 10 year term.

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Rhode Island

Rhode Island Housing

Rhode Island Housing provides a variety of first mortgages to any borrower that meets their credit standards. Rhode Island Housing also provides down payment and closing cost assistance with their Extra Assistance and First Down programs. Extra Assistance is available to first-time homebuyers or purchasers in a targeted area.

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South Carolina

South Carolina Housing

SC Housing offers competitive mortgage loans and down payment assistance (DPA) to help families and individuals become homeowners. SC Housing offers competitive, fixed rate mortgage loans combined with money to help cover down payment and closing costs.

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Tennessee Housing Development Agency

The Tennessee Housing Development Agency (THDA) Great Choice, Great Choice Plus DPA and Veterans Homeownership for the Brave offers low interest rate loans secured by a first mortgage with the option of down payment and closing cost assistance at an interest rate that is the same as the first mortgage rate amortized over 15 years, secured by a second deed of trust.

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Texas Department of Housing & Community Affairs

Offers qualified borrowers up to 5%* of the home loan for use towards the down payment and closing costs.

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Texas Veteran Loan Board

Home financing for Texas veterans, military members and their families

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Utah Housing

Utah Housing Corporation provides first mortgages and down payment assistance to qualified first-time and repeat homebuyers. Down payment assistance is provided in the form of a repayable 2nd mortgage. Second loan rate is 2% above the rate of the first mortgage.

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Washington State Housing Finance Commission (WSFHC)

WSHFC is dedicated to increasing housing access and affordability for the people of Washington. The Home Advantage program is designed for low and moderate-income households and is available to first time and repeat homebuyers. The WSHFC Advantage program offers downpayment assistant available up to 4% of the loan amount. Second mortgages and must be used in conjunction with a Home Advantage first mortgage.

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All loans are subject to credit review and approval. This is not a commitment to lend.