Every Down Payment Assistance Program, A–Z (2026)
A plain-English directory of state housing agency down payment assistance programs: what each one gives you, whether you pay it back, and who qualifies.
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Verified program database
Every program we have verified against its administering agency, with the amount, the structure, and the current funding status.
| Program | Amount | Type | Best for |
|---|---|---|---|
| AKHFC Interest Rate Reduction Alaska Housing Finance Corporation · statewide | Up to $5,000 | Tax credit | Interest rate reduction worth ~$5,000 over life of loan. |
| AHFA Step Up Alabama Housing Finance Authority · statewide | Up to $10,000 (about 4%) | Second mortgage | Up to 4% DPA as a 10-year second mortgage. |
| AZIDA HOME+PLUS DPA AZIDA · statewide | Up to $25,000 (about 5%) | Forgivable | Arizona buyers who need both a competitive first mortgage and 3–5% toward the down payment. |
| Home in Five Advantage Home in Five · Maricopa County, AZ | Up to $30,000 (about 5%) | Forgivable | Buyers purchasing in Phoenix, Mesa, Scottsdale, Glendale, Chandler, Gilbert, Tempe, Surprise, Peoria, or anywhere else inside Maricopa County. |
| CalHFA Dream For All Shared Appreciation Loan CalHFA · statewide | Up to $150,000 (about 20%) | Shared appreciation | California first-generation buyers who can compete for a voucher round and want to buy sooner rather than save for years. |
| CalHFA Forgivable Equity Builder California Housing Finance Agency · statewide | Up to $30,000 (about 10%) | Forgivable | Up to 10% of purchase price — fully forgiven after 5 years of owner-occupancy. |
| CalHFA MyHome Assistance CalHFA · statewide | Up to $15,000 (about 3.5%) | Deferred second | California buyers who need a deferred second to cover the down payment without a monthly payment. |
| GSFA Platinum Down Payment Assistance GSFA · statewide | Up to $27,000 (about 5.5%) | Grant | California buyers who earn too much for CalHFA or who have owned a home before. |
| CHFA DownPayment Assistance Colorado Housing and Finance Authority · statewide | Up to $25,000 (about 4%) | Second mortgage | Up to 4% of loan as a silent second mortgage. |
| CHFA CT Time To Own Connecticut Housing Finance Authority · statewide | Up to $50,000 | Forgivable | Up to $50,000 forgivable DPA — 10% forgiven per year over 10 years. |
| Delaware SMAL / DE 4% Program Delaware State Housing Authority · statewide | Up to $10,000 (about 4%) | Second mortgage | Up to 4% DPA as 0% deferred second. |
| Florida Hometown Heroes Florida Housing · statewide | Up to $35,000 (about 5%) | Deferred second | Florida buyers working in an eligible frontline or public-service occupation. |
| Florida Housing HFA Preferred + Florida Assist Florida Housing Finance Corp · statewide | Up to $10,000 | Deferred second | $10,000 in DPA as a 0% deferred second mortgage. Pairs with Florida Housing first mortgages. |
| Georgia Dream PEN (Protectors, Educators & Nurses) Georgia Department of Community Affairs · statewide | Up to $12,500 | Second mortgage | $12,500 for Protectors, Educators, Nurses, and healthcare workers. |
| Georgia Dream Standard (Down Payment Assistance) Georgia Department of Community Affairs · statewide | Up to $10,000 | Second mortgage | $10,000 in DPA as a 0% deferred second mortgage. |
| HHFDC Hawaii DPA Loan Hawaii Housing Finance and Development Corp · statewide | Up to $40,000 | Second mortgage | Up to $40,000 DPA. High cost of living adjustments apply. |
| IFA FirstHome Plus DPA Iowa Finance Authority · statewide | Up to $2,500 | Grant | $2,500 grant for FTHBs. |
| IdaHousing HOA/FTHB DPA Idaho Housing and Finance Association · statewide | Up to $15,000 | Second mortgage | Up to $15,000 DPA as second mortgage. |
| IHDA IHDAccess Deferred Illinois Housing Development Authority · statewide | Up to $7,500 (about 5%) | Deferred second | 5% up to $7,500 as a 0% deferred second lien. |
| IHDA IHDAccess Forgivable Illinois Housing Development Authority · statewide | Up to $6,000 (about 4%) | Forgivable | 4% (max $6,000). Forgiven over 10 years — no repayment if you stay. |
| KHRC First Time Homebuyer DPA Kansas Housing Resources Corporation · statewide | Up to $8,000 (about 4%) | Forgivable | Up to 4% forgivable DPA over 10 years. |
| KHC Regular DAP Kentucky Housing Corporation · statewide | Up to $10,000 | Second mortgage | $10,000 DPA repaid over 10 years at 3.75%. |
| MRB Assist Grant Louisiana Housing Corporation · statewide | Up to $10,000 (about 4%) | Grant | 4% grant paired with MRB first mortgage. |
| MassHousing Down Payment Assistance MassHousing · statewide | Up to $30,000 (about 10%) | Second mortgage | Up to 10% of price (max $30k). Repaid over 15 years. |
| MMP 1st Time Advantage 6000 Maryland Department of Housing · statewide | Up to $6,000 | Deferred second | $6,000 in DPA as a 0% deferred loan. |
| MSHA Salute ME / Salute Home Again MaineHousing · statewide | Up to $5,000 | Forgivable | $5,000 DPA for veterans, active-duty military, and retirees. |
| MSHDA MI Home Loan DPA Michigan State Housing Development Authority · statewide | Up to $10,000 | Second mortgage | Up to $10,000 in DPA. FTHB in most areas; non-FTHB allowed in targeted areas. |
| MHDC First Place Cash Assistance Missouri Housing Development Commission · statewide | Up to $10,000 (about 4%) | Forgivable | Up to 4% forgivable DPA for FTHBs. |
| Montana Housing Bond Advantage DPA Montana Board of Housing · statewide | Up to $15,000 (about 5%) | Second mortgage | Up to $15,000 DPA for FTHBs. |
| NCHFA NC 1st Home Advantage North Carolina Housing Finance Agency · statewide | Up to $15,000 | Forgivable | $15,000 for FTHBs. Forgiven over years 11-15. |
| NCHFA NC Home Advantage + DPA North Carolina Housing Finance Agency · statewide | Up to $15,000 (about 3%) | Forgivable | 3% of loan amount, forgiven over years 11-15. |
| NDHFA DCA / FirstHome DPA North Dakota Housing Finance Agency · statewide | Up to $8,000 | Second mortgage | Up to $8,000 DPA for FTHBs — 0% deferred second. |
| NIFA Homebuyer Assistance Program Nebraska Investment Finance Authority · statewide | Up to $10,000 (about 5%) | Second mortgage | Up to 5% DPA (max $10k) as low-interest second. |
| NHHFA Home Preferred Plus New Hampshire Housing · statewide | Up to $10,000 (about 4%) | Grant | Up to 4% cash assistance grant. |
| NJHMFA First-Time Homebuyer DPA New Jersey Housing and Mortgage Finance Agency · statewide | Up to $15,000 | Forgivable | $15,000 forgivable DPA for FTHBs. Forgiven after 5 years. |
| MFA FIRSTDown DPA New Mexico Mortgage Finance Authority · statewide | Up to $8,000 (about 4%) | Second mortgage | Up to 4% or $8,000 as a low-interest second mortgage. |
| Nevada Home Is Possible Nevada Housing Division · statewide | Up to $15,000 (about 4%) | Grant | Up to 4% grant. Not restricted to FTHB. |
| SONYMA Down Payment Assistance Loan State of New York Mortgage Agency · statewide | Up to $15,000 (about 3%) | Forgivable | $15,000 or 3% (whichever greater). Forgiven 10% per year — fully forgiven after 10 years. |
| OHFA Your Choice DPA Ohio Housing Finance Agency · statewide | Up to $10,000 (about 5%) | Forgivable | 2.5% or 5% of price. Forgiven after 7 years of occupancy. |
| OHFA (Oklahoma) 3.5% DPA Oklahoma Housing Finance Agency · statewide | Up to $10,000 (about 3.5%) | Grant | 3.5% grant of first mortgage amount. No FTHB requirement. |
| Oregon Bond RateAdvantage Oregon Housing and Community Services · statewide | Up to $15,000 (about 3%) | Grant | 3% cash grant for down payment and closing costs. |
| PHFA Keystone Advantage Assistance Pennsylvania Housing Finance Agency · statewide | Up to $6,000 (about 4%) | Second mortgage | Up to 4% or $6,000 as a 0% second mortgage over 10 years. |
| RIHousing Extra Assistance Rhode Island Housing · statewide | Up to $25,000 | Second mortgage | Up to $25,000 DPA as 15-year second mortgage. |
| SC Housing Palmetto Home Advantage South Carolina State Housing · statewide | Up to $8,500 (about 4%) | Forgivable | Up to 4% forgivable DPA. Not restricted to FTHB. |
| SDHDA First-Time Homebuyer DPA South Dakota Housing Development Authority · statewide | Up to $5,000 (about 5%) | Forgivable | Up to 5% or $5,000 forgivable DPA. |
| THDA Great Choice Plus Tennessee Housing Development Agency · statewide | Up to $6,000 | Forgivable | $6,000 DPA — 0% deferred forgivable second. |
| TDHCA My First Texas Home Texas Department of Housing · statewide | Up to $15,000 (about 5%) | Second mortgage | FTHB program: up to 5% assistance as a 0%-interest deferred second lien. |
| TSAHC Home Sweet Texas Grant Texas State Affordable Housing Corporation · statewide | Up to $25,000 (about 5%) | Grant | Up to 5% grant for down payment and closing costs. No FTHB requirement. Income limits apply by county. |
| TSAHC Homes for Texas Heroes TSAHC · statewide | Up to $25,000 (about 5%) | Grant | Texas teachers, first responders, nurses, corrections officers, and veterans. |
| Chenoa Fund Down Payment Assistance Chenoa Fund · Nationwide | Up to $25,000 (about 5%) | Forgivable | Buyers in states with thin assistance, buyers with credit in the 600s, and buyers who missed their state program's funding window. |
| Chenoa Fund DPA (Nationwide) CBC Mortgage Agency · statewide | Up to $17,500 (about 5%) | Forgivable | Nationwide FHA DPA up to 5%. Forgivable after 36 months on-time payments. |
| VHDA Down Payment Assistance Grant Virginia Housing · statewide | Up to $10,000 (about 2.5%) | Grant | Up to 2.5% grant. FTHB required. Pairs with Virginia Housing first mortgages. |
| VHFA ASSIST Second Mortgage Vermont Housing Finance Agency · statewide | Up to $15,000 | Second mortgage | Up to $15,000 DPA as 0% deferred second. |
| Washington House Key Opportunity WSHFC · statewide | Up to $15,000 (about 4%) | Deferred second | Washington first-time buyers, especially in King, Pierce, Snohomish, Spokane, and Clark counties. |
| WSHFC Home Advantage DPA Washington State Housing Finance Commission · statewide | Up to $10,000 (about 4%) | Deferred second | Up to 4% DPA. 0% interest, deferred 30 years. |
| WVHDF Homeownership DPA West Virginia Housing Development Fund · statewide | Up to $10,000 | Second mortgage | Up to $10,000 DPA as 15-year second mortgage at 2%. |
| WCDA HFA Preferred DPA Wyoming Community Development Authority · statewide | Up to $15,000 | Deferred second | Up to $15,000 deferred DPA. |
Alabama
Step Up
AHFA · Alabama
30-year fixed FHA/Conventional with a 4% down payment assistance second mortgage repaid over 10 years.
Program detailsAffordable Income Subsidy Grant
AHFA · Alabama
Non-repayable grant of 1% or 0.5% of the loan amount, layered on top of Step Up for borrowers under 80% AMI.
Program detailsMortgage Credit Certificate (MCC)
AHFA · Alabama
Annual federal tax credit worth up to $2,000 for the life of the loan, stackable with FHA/Conv.
Program detailsAlaska
First-Time Home Buyer Program
AHFC · Alaska
Reduced-rate 30-year fixed with 1% off market rate for buyers under 115% AMI.
Program detailsClosing Cost Assistance Program (CCAP)
AHFC · Alaska
Up to 4% of the loan amount as a forgivable second toward down payment and closing costs.
Program detailsRural Owner-Occupied Loan Program
AHFC · Alaska
Below-market financing for homes in Alaska communities under 6,500 population — a lifeline in bush Alaska.
Program detailsArizona
Home Plus
Home Plus · Arizona
DPA grant of 0–5% of the loan amount (never repaid) tied to a fixed-rate FHA, VA, USDA, or Conventional first mortgage.
Program detailsHOME+PLUS Teacher/First Responder
Home Plus · Arizona
Extra 1% DPA bump for K–12 teachers, police, fire, and EMS on top of standard Home Plus grant.
Program detailsPathway to Purchase (P2P)
Home Plus · Arizona
10% DPA (up to $20,000) forgiven after 5 years; limited to 39 specific ZIP codes across the state.
Program detailsArkansas
ADFA Move-Up
ADFA · Arkansas
30-year fixed at competitive rates with $0 down when paired with ADFA DPA — open to first-time AND repeat buyers.
Program detailsDown Payment Assistance (DPA)
ADFA · Arkansas
Up to $15,000 as a 10-year second at the same rate as the first mortgage.
Program detailsADFA MCC
ADFA · Arkansas
35% mortgage interest tax credit (capped at $2,000/yr) for first-time buyers under income limits.
Program detailsCalifornia
MyHome Assistance Program
CalHFA · California
Deferred-payment second up to 3.5% (FHA) or 3% (Conventional) of the sales price — no monthly payment, due on sale/refi.
Program detailsDream For All Shared Appreciation Loan
CalHFA · California
Up to 20% down (capped at $150,000) — CalHFA takes a share of appreciation at sale instead of interest. Lottery-based, extremely competitive.
Program detailsCalHFA Conventional / FHA
CalHFA · California
30-year fixed first mortgages required to layer any CalHFA DPA — must go through a CalHFA-approved lender.
Program detailsColorado
CHFA DPA Grant
CHFA · Colorado
3% of the first mortgage as a non-repayable grant — no lien, no payback.
Program detailsCHFA Second Mortgage Loan
CHFA · Colorado
Up to 4% as a silent second at 0% interest, deferred until sale/refi/payoff.
Program detailsCHFA Preferred / SmartStep
CHFA · Colorado
Fixed-rate FHA and Conventional programs required to access CHFA DPA.
Program detailsConnecticut
Time To Own Loan
CHFA · Connecticut
Up to $50,000 in forgivable DPA (25% forgiven per year over 10 years) — one of the most generous in the country.
Program detailsDown Payment Assistance Program (DAP)
CHFA · Connecticut
Low-interest second mortgage of up to $25,000 (min $3,000) with a low fixed rate.
Program detailsHFA Advantage / Preferred
CHFA · Connecticut
Reduced-MI Conventional at competitive rates — required first mortgage for CHFA DPA.
Program detailsDelaware
Preferred Plus
DSHA · Delaware
Second-mortgage DPA up to 5% of the loan — 0% interest, no payments, forgiven or deferred.
Program detailsDelaware Diamonds
DSHA · Delaware
Additional DPA for public-service workers — teachers, nurses, first responders, veterans.
Program detailsHome Sweet Home Program
DSHA · Delaware
Grants up to $12,000 for buyers under 80% AMI.
Program detailsDistrict of Columbia
DC Open Doors
DCHFA · District of Columbia
Below-market fixed-rate first mortgage plus fully forgivable DPA — no first-time-buyer requirement, no income cap for the first mortgage.
Program detailsHome Purchase Assistance Program (HPAP)
DCHFA · District of Columbia
Up to $202,000 in interest-free deferred DPA for lower-income DC residents. Extremely generous — pair with DC Open Doors.
Program detailsEmployer-Assisted Housing Program (EAHP)
DCHFA · District of Columbia
Up to $20,000 matching grant for DC government employees.
Program detailsFlorida
Florida Assist (FL Assist)
Florida Housing · Florida
Up to $10,000 in 0%-interest deferred DPA on FHA, VA, USDA, or Conventional.
Program detailsHFA Preferred Grants
Florida Housing · Florida
3–5% grant (non-repayable) for Conventional loans through Florida Housing preferred lenders.
Program detailsGeorgia
Georgia Dream Standard
Georgia Dream · Georgia
$10,000 in 0%-interest deferred DPA; repaid only on sale/refi/payoff.
Program detailsPEN (Protectors, Educators, Nurses)
Georgia Dream · Georgia
$12,500 DPA for public-service workers.
Program detailsCHOICE
Georgia Dream · Georgia
$12,500 DPA for buyers or family members with a disability.
Program detailsHawaii
Mortgage Credit Certificate (MCC)
HHFDC · Hawaii
20% federal tax credit on mortgage interest — worth up to $2,000/yr for the life of the loan.
Program detailsHULA Mae Multi-Family Loans
HHFDC · Hawaii
Below-market financing for first-time buyers of designated units.
Program detailsHawaiian Home Lands (DHHL)
HHFDC · Hawaii
For Native Hawaiians: 99-year lease at $1/yr plus favorable USDA/HUD-184A financing.
Program detailsIdaho
Idaho Housing Down Payment & Closing Cost Assistance
Idaho Housing · Idaho
Up to 7% (as a second) or 3.5% (as a grant) — one of the largest DPA amounts in the country.
Program detailsFirst Loan
Idaho Housing · Idaho
Below-market fixed-rate FHA, VA, USDA, or Conv paired with the DPA above.
Program detailsHome Partnership Foundation Grants
Idaho Housing · Idaho
Additional grants for teachers, first responders, and rural buyers.
Program detailsIllinois
IHDAccess Forgivable
IHDA · Illinois
4% DPA (max $6,000) forgiven monthly over 10 years — no payments, no interest.
Program detailsIHDAccess Deferred
IHDA · Illinois
5% DPA (max $7,500) as an interest-free deferred second — repaid on sale/refi.
Program detailsIHDAccess Repayable
IHDA · Illinois
10% DPA (max $10,000) as a 10-year second at 0% interest — for buyers who want the biggest DPA.
Program detailsIndiana
First Place (FP)
IHCDA · Indiana
6% DPA on FHA loans, forgiven after 9 years — one of the largest forgivable DPAs available.
Program detailsNext Home
IHCDA · Indiana
3.5% (FHA) or 3% (Conv) DPA — no first-time-buyer requirement.
Program detailsMCC
IHCDA · Indiana
Up to 35% federal tax credit on mortgage interest, capped at $2,000/yr.
Program detailsIowa
FirstHome Plus
IFA · Iowa
$2,500 grant + reduced-rate first mortgage for first-time buyers.
Program detailsHomes for Iowans
IFA · Iowa
Same DPA available to repeat buyers under higher income limits.
Program detailsMilitary Homeownership Assistance
IFA · Iowa
$5,000 grant for eligible service members and veterans.
Program detailsKansas
First Time Homebuyer Program
KHRC · Kansas
0% interest, 10-year forgivable second (15–20% of purchase price up to $15,000).
Program detailsKansas Housing Assistance Program (KHAP)
KHRC · Kansas
Grant or repayable second option through participating lenders.
Program detailsStatewide Homeownership Program
KHRC · Kansas
Reduced-rate first mortgage for buyers outside Topeka, Wichita, Kansas City, and Lawrence.
Program detailsKentucky
Regular DAP
KHC · Kentucky
$10,000 second mortgage at 5.5% amortized over 10 years.
Program detailsAffordable DAP
KHC · Kentucky
$6,000 at 1% interest for buyers under 80% AMI — much cheaper DPA.
Program detailsConventional Preferred
KHC · Kentucky
Reduced-MI Conv first mortgage required to layer DAP.
Program detailsLouisiana
Market Rate GNMA Program
LHC · Louisiana
4% DPA grant (non-repayable) on FHA, VA, USDA. Highest volume LHC product.
Program detailsMRB Home & MRB Assisted
LHC · Louisiana
Below-market fixed-rate first mortgages with tax-exempt bond funding.
Program detailsDelta 100
LHC · Louisiana
100% LTV Conventional for buyers in the Delta parishes — no MI, no DPA needed.
Program detailsMaine
First Home Loan
MaineHousing · Maine
Below-market fixed-rate first mortgage with low down payment.
Program detailsAdvantage DPA
MaineHousing · Maine
$5,000 in DPA for closing costs and down payment.
Program detailsSalute ME / Salute Home Again
MaineHousing · Maine
0.25% rate reduction plus DPA for active-duty military and veterans.
Program detailsMaryland
1st Time Advantage
Maryland Mortgage Program (MMP) · Maryland
Reduced-rate first mortgage with $6,000 no-interest deferred DPA loan.
Program detailsFlex 6000 / Flex 5000
Maryland Mortgage Program (MMP) · Maryland
$5,000–$6,000 DPA available to repeat buyers under income limits.
Program detailsPartner Match
Maryland Mortgage Program (MMP) · Maryland
Employer, county, or nonprofit contributions matched dollar-for-dollar by MMP.
Program detailsMassachusetts
MassHousing Mortgage with DPA
MassHousing · Massachusetts
Up to $30,000 (or 10%) in DPA as a 15-year deferred second at 2% interest.
Program detailsONE Mortgage
MassHousing · Massachusetts
MHP program — 3% down, no MI, subsidy-eligible below-market pricing.
Program detailsWorkforce Advantage
MassHousing · Massachusetts
$30,000 forgivable DPA (over 5 years) for buyers under 80% AMI in Gateway Cities.
Program detailsMichigan
MI Home Loan
MSHDA · Michigan
Up to $10,000 in DPA as a 0% deferred second mortgage.
Program detailsMI 10K DPA Loan (Statewide)
MSHDA · Michigan
Flat $10,000 DPA available across all 83 counties with no first-time requirement.
Program detailsStep Forward Down Payment Assistance
MSHDA · Michigan
Additional forgivable DPA for select Michigan cities and target areas.
Program detailsMinnesota
Start Up
Minnesota Housing · Minnesota
First-time buyer program with $18,000 DPA via Monthly Payment Loan or Deferred Payment Loan.
Program detailsStep Up
Minnesota Housing · Minnesota
For repeat buyers — refinance or purchase with reduced-rate first mortgage.
Program detailsFirst-Generation Homebuyer Loan Program
Minnesota Housing · Minnesota
$32,000 in forgivable DPA for first-generation buyers — closed in 2024, watch for 2026 renewal.
Program detailsMississippi
Smart6
MHC · Mississippi
Below-market 30-year fixed rate with DPA option (3.5% or $6,000 whichever is greater).
Program detailsHousing Assistance for Teachers (HAT)
MHC · Mississippi
$6,000 grant for licensed Mississippi teachers in critical-shortage areas.
Program detailsMortgage Revenue Bond 7 (MRB7)
MHC · Mississippi
Tax-exempt bond product with lower rates for first-time buyers.
Program detailsMissouri
First Place Loan
MHDC · Missouri
4% DPA as a forgivable grant on FHA, VA, USDA, or Conv.
Program detailsNext Step
MHDC · Missouri
Same DPA structure for repeat buyers under income limits.
Program detailsMCC
MHDC · Missouri
25% mortgage interest tax credit (capped at $2,000/yr) — stackable with First Place.
Program detailsMontana
Regular Bond Program
MBOH · Montana
Below-market fixed rate with DPA option through MBOH Plus.
Program detailsMBOH Plus
MBOH · Montana
0% deferred second up to $10,000 for DPA and closing costs.
Program details80% Combined Program
MBOH · Montana
For higher-income first-time buyers who don't qualify for tax-exempt bond funds.
Program detailsNebraska
Homebuyer Assistance Program (HBA)
NIFA · Nebraska
5% of purchase price (up to $10,000) as a 10-year second at 1% interest.
Program detailsMilitary Home Program
NIFA · Nebraska
Reduced-rate first mortgage for active-duty and honorably discharged veterans.
Program detailsFirst Home Program
NIFA · Nebraska
First-time buyer product with below-market fixed rate.
Program detailsNevada
Home Is Possible
Home Is Possible · Nevada
Up to 5% DPA as a non-repayable bonus (paid off in 3 years) — no first-time-buyer requirement.
Program detailsHome Is Possible For Teachers
Home Is Possible · Nevada
Extra $7,500 for licensed K–12 teachers.
Program detailsHome Is Possible For Heroes
Home Is Possible · Nevada
0.25% rate cut + DPA for military and veterans.
Program detailsNew Hampshire
Home Flex Plus
NH Housing · New Hampshire
3% DPA (up to $10,000) as a forgivable second (forgiven at 4 years).
Program detailsHome Preferred Plus
NH Housing · New Hampshire
Conv product with reduced MI and 4% DPA option.
Program detailsPurchase Rehab
NH Housing · New Hampshire
203(k)-style program for homes needing repairs, plus DPA.
Program detailsNew Jersey
First-Time Homebuyer Program
NJHMFA · New Jersey
$15,000 DPA as a 0%-interest 5-year forgivable second.
Program detailsDown Payment Assistance Program (DPA)
NJHMFA · New Jersey
Up to $22,000 in high-cost areas — one of the more generous DPAs available.
Program detailsPolice & Firemen's Retirement System Mortgage
NJHMFA · New Jersey
30-year fixed rate 1% below market for active PFRS members.
Program detailsNew Mexico
FirstDown
MFA · New Mexico
$8,000 DPA as a 30-year 2nd at 3% (payable) or 0% deferred depending on program.
Program detailsHomeForward
MFA · New Mexico
3% DPA grant (non-repayable) for buyers under income limits.
Program detailsFirst Home
MFA · New Mexico
Reduced-rate 30-year fixed with mandatory MFA DPA layered on.
Program detailsNew York
Achieving the Dream
SONYMA · New York
Reduced-rate 30-year fixed with DPA option up to $15,000.
Program detailsDown Payment Assistance Loan (DPAL)
SONYMA · New York
$3,000 min, up to 3% of purchase (max $15,000) — forgiven after 10 years.
Program detailsRemodelNY / Homes for Veterans
SONYMA · New York
Purchase-plus-rehab and veteran-specific reduced-rate programs.
Program detailsNorth Carolina
NC Home Advantage Mortgage
NCHFA · North Carolina
Up to 3% DPA as a forgivable grant (forgiven 20% per year, years 11–15).
Program detailsNC 1st Home Advantage Down Payment
NCHFA · North Carolina
Flat $15,000 DPA for first-time buyers and military veterans.
Program detailsNC Home Advantage Tax Credit (MCC)
NCHFA · North Carolina
30% (existing) or 50% (new construction) mortgage interest tax credit up to $2,000/yr.
Program detailsNorth Dakota
FirstHome
NDHFA · North Dakota
Below-market fixed-rate first mortgage for first-time buyers.
Program detailsDCA (Down Payment and Closing Cost Assistance)
NDHFA · North Dakota
3% of first mortgage as a 15-year 2nd at 1% above the first-mortgage rate.
Program detailsHomeAccess
NDHFA · North Dakota
For buyers with disability, single parents, veterans, or elderly.
Program detailsOhio
Your Choice! Down Payment Assistance
OHFA · Ohio
2.5% or 5% of the home price as DPA — forgiven after 7 years (2.5%) or repaid on sale/refi (5%).
Program detailsGrants for Grads
OHFA · Ohio
2.5% or 5% DPA for buyers who earned a degree in the last 48 months.
Program detailsOHFA Mortgage Tax Credit
OHFA · Ohio
40% mortgage interest tax credit (capped at $2,000/yr) — stackable with any OHFA first mortgage.
Program detailsOklahoma
OHFA Advantage
OHFA · Oklahoma
3.5% DPA grant (non-repayable) on FHA, VA, USDA, or Conv.
Program detailsOHFA 4Teachers
OHFA · Oklahoma
Additional grant for licensed Oklahoma teachers.
Program detailsOHFA Shield
OHFA · Oklahoma
Reduced-rate first + DPA for police, fire, EMS, and veterans.
Program detailsOregon
Oregon Bond Residential Loan Program
OHCS · Oregon
Below-market fixed-rate first mortgage with 3% cash advance option (repaid over 30 years).
Program detailsDown Payment Assistance (Homebuyer Assistance)
OHCS · Oregon
Program varies by nonprofit partner — typically up to $15,000.
Program detailsFlex Lending Rate Advantage
OHCS · Oregon
Lower rate in exchange for higher up-front DPA amount.
Program detailsPennsylvania
Keystone Home Loan
PHFA · Pennsylvania
First-time buyer program with reduced-rate 30-year fixed.
Program detailsKeystone Advantage Assistance Loan
PHFA · Pennsylvania
Up to 4% of purchase price (max $6,000) as 0% interest 10-year second.
Program detailsHOMEstead Second Mortgage
PHFA · Pennsylvania
Up to $10,000 forgivable DPA (over 5 years) for lower-income buyers.
Program detailsRhode Island
FirstGenHomeRI
RIHousing · Rhode Island
$25,000 in DPA for first-generation homebuyers — one of the largest in New England.
Program detailsExtra Assistance
RIHousing · Rhode Island
$25,000 second mortgage at 0% deferred, forgiven after 5 years.
Program detailsOcean State Grad Grant
RIHousing · Rhode Island
$8,000 DPA for RI college grads within 3 years of graduation.
Program detailsSouth Carolina
SC Housing Homebuyer Program
SC Housing · South Carolina
$8,000 forgivable DPA over 20 years plus below-market first mortgage.
Program detailsPalmetto Home Advantage
SC Housing · South Carolina
4% DPA grant (non-repayable) on FHA, VA, USDA, or Conv.
Program detailsPalmetto Heroes
SC Housing · South Carolina
Reduced-rate first + DPA for teachers, police, fire, EMS, veterans.
Program detailsSouth Dakota
First-Time Homebuyer Program
SDHDA · South Dakota
Below-market fixed-rate with 3–5% DPA available.
Program detailsFixed Rate Plus
SDHDA · South Dakota
3% DPA grant (non-repayable) for buyers who don't need the tax-exempt bond first.
Program detailsGovernor's House Program
SDHDA · South Dakota
Affordable new construction for lower-income buyers (unique to SD).
Program detailsTennessee
Great Choice Home Loan
THDA · Tennessee
30-year fixed FHA/VA/USDA/Conv with a THDA-approved lender.
Program detailsGreat Choice Plus
THDA · Tennessee
6% of purchase price (up to $15,000) as forgivable DPA — forgiven at 30 years or on sale/refi.
Program detailsHomeownership for the Brave
THDA · Tennessee
0.5% rate cut for active-duty, veterans, National Guard, and reservists.
Program detailsTexas
My First Texas Home (TDHCA)
TDHCA / TSAHC · Texas
30-year fixed first + up to 5% DPA (deferred 0% second, forgiven at 3 years).
Program detailsHomes for Texas Heroes (TSAHC)
TDHCA / TSAHC · Texas
3–5% DPA grant or forgivable second for teachers, police, fire, EMS, corrections, veterans, nurses.
Program detailsHome Sweet Texas (TSAHC)
TDHCA / TSAHC · Texas
Same DPA structure available to any income-eligible buyer (not just heroes).
Program detailsUtah
FirstHome Loan
UHC · Utah
Below-market fixed rate for first-time buyers with DPA option.
Program detailsScore Loan
UHC · Utah
For buyers with 620–659 FICO — reduced-rate FHA with DPA second.
Program detailsHomeAgain / NoMI
UHC · Utah
Repeat-buyer product; NoMI Conv option waives PMI.
Program detailsVermont
ASSIST
VHFA · Vermont
Up to $15,000 in DPA as a 0%-interest deferred second (0% forgivable after 20 years for certain income tiers).
Program detailsMOVE Mortgage
VHFA · Vermont
Below-market fixed-rate first mortgage with DPA option layered on.
Program detailsAdvantage
VHFA · Vermont
For repeat buyers — same DPA structure with slightly higher rate.
Program detailsVirginia
Down Payment Assistance Grant
Virginia Housing · Virginia
2–2.5% of purchase price as non-repayable grant on Conv or FHA.
Program detailsClosing Cost Assistance Grant
Virginia Housing · Virginia
Additional 2% grant for closing costs on RD or VA loans.
Program detailsPlus Second Mortgage
Virginia Housing · Virginia
3–5% second mortgage combined with first for 100% financing.
Program detailsWashington
Home Advantage DPA
WSHFC · Washington
Up to 5% DPA as a 0%-interest 30-year 2nd (repaid on sale/refi/payoff).
Program detailsOpportunity DPA
WSHFC · Washington
$10,000 flat DPA at 1% interest, 30-year fixed second.
Program detailsHouse Key Veterans / Teachers / Opportunity
WSHFC · Washington
Targeted DPA (up to $10K) for veterans, teachers, and lower-income buyers.
Program detailsWest Virginia
Homeownership Program
WVHDF · West Virginia
Reduced-rate 30-year fixed for first-time buyers under income limits.
Program detailsMovin' Up
WVHDF · West Virginia
For repeat buyers with higher income limits and slightly higher rate.
Program detailsLow Down Home Loan
WVHDF · West Virginia
3% down Conventional with reduced MI and DPA option.
Program detailsWisconsin
WHEDA Easy Close DPA
WHEDA · Wisconsin
Up to $7,000 or 6% of purchase price (whichever is greater) as 0% interest deferred second.
Program detailsCapital Access DPA
WHEDA · Wisconsin
3.5% DPA loan for buyers under 80% AMI — repaid on sale/refi.
Program detailsWHEDA Advantage Conventional / FHA
WHEDA · Wisconsin
Reduced-rate first mortgages required to layer WHEDA DPA.
Program detailsWyoming
Standard First-Time Homebuyer
WCDA · Wyoming
Below-market fixed rate for first-time buyers under income and purchase-price limits.
Program detailsHFA Preferred
WCDA · Wyoming
Conv product with reduced MI for buyers over the standard income limit.
Program detailsDown Payment Assistance Product (DPA)
WCDA · Wyoming
Up to $15,000 second at 2% interest, 10-year amortization.
Program detailsKeep reading
Related resources
ReadinessIQ is a Homebuyer Readiness Platform, not the agency that funds these programs. We publish what the agencies publish, link to the official source, and tell you when a rule is likely to change. The agency and your lender make the final call on who qualifies.