All 50 States USA Grant & Loan Programs for HomeBuyers or Investors
| State | Program Name | Program Type | Target Audience | Key Eligibility Highlights | Program Description | Official URL | Administering Agency | Max Assistance | Repayment Terms | Investor Eligible |
|---|---|---|---|---|---|---|---|---|---|---|
| Alabama | Step Up Program | DPA + Mortgage | First-time & repeat buyers | Income < $130k 640+ credit | 1-unit home purchase assistance Combines DPA with FHA/conventional loans | https://www.ahfa.com/homebuyers/step-up | AHFA | 3% of price Deferred | 3% of price Deferred | Yes (owner of property, including investor) |
| Alaska | AHFC Down Payment Assistance (AHELP) | Second mortgage | First-time buyers using AHFC loans | Must meet income/property limits; must work with approved lender | Provides down payment via partner lenders or nonprofits | https://www.ahfc.us/buy/resources/down-payment-assistance | AHFC | Varies | Deferred | No |
| Alaska | HOP (Home Opportunity Program) | Zero-interest loan w/ forgiveness | Low-income homebuyers | 1st $10000 forgivable over 5 years | Helps with closing/down payment/mortgage buy-down | https://www.alaskacdc.org/home-opportunity-program.html | Alaska CDC | Up to $30k - 5-year forgivable portion | No | |
| Alaska | THRHA DPA Program | Second mortgage (forgivable) | Native Alaskan buyers | 10% forgiven annually after year 5 | Down payment assistance for Southeast Alaska Native buyers | via FHA summary | THRHA | Up to $20k | Partial forgiveness over 10 years | No |
| Alaska | Cook Inlet NAHI / Home$tart | Grant | Native American/Native Hawaiian buyers | Must be income-eligible; owner-occupied 5 yrs | Grants for DPA and closing costs | https://www.cookinletlending.com/nahi-homestart | Cook Inlet Lending | Up to $25k | Grant | No |
| Alaska | NeighborhoodLIFT (Alaska) | Forgivable loan | First-time homebuyers | Must remain in home 5 years | Down payment assistance forgivable loan | https://nwalaska.org/lift-faqs | LIFT / Wells Fargo | Varies | Forgivable | No |
| Alaska | AHFC Down Payment Assistance (AHELP) | Subordinate Loan | Homebuyers (low/mod) | Must use AHFC lender; income limits | Nonprofit-based DPA with AHFC mortgage | https://www.ahfc.us/buy/resources/down-payment-assistance | AHFC | Varies - deferred | No | |
| Alaska | AHFC Down Payment Assistance (AHELP / DPA) | Deferred / subordinate assistance | Homebuyers (first-time / low/moderate income) | Must be purchasing in Alaska; work with nonprofit partners | Offers down payment assistance tied to AHFC AHELP programs | https://www.ahfc.us/buy/resources/down-payment-assistance | AHFC | Varies | Deferred until sale/refi | No |
| Alaska | AHFC First Home / First Home Limited | Lower-interest mortgage + assistance | First-time homebuyers | Limited variant has income & acquisition cost caps; first-time purchase rule | Mortgage program with favorable terms and assistance | AHFC homebuyer pages (AHFC) | AHFC | Varies | N/A | No |
| Alaska | Home Opportunity Program (HOP) | Zero-interest subordinate loan + partial forgiveness | Low-income homebuyers | Up to ~$30000, $10,000 000 forgivable over 5 yrs; must remain in home closing costs - mortgage buy-downs -Supports down payment | Up to ~$30000, $10,000 000 forgivable over 5 yrs; must remain in home closing costs - mortgage buy-downs -Supports down payment | https://www.alaskacdc.org/home-opportunity-program.html, | Alaska CDC / local | 30 | Conditional forgiveness over 5 yrs | no |
| Alaska | THRHA Down Payment Assistance Program | Second mortgage with forgiveness | Alaska Native / Tribal homebuyers | Up to $20000; first 5 years deferred; 10% forgiven annually if owner occupied | Helps tribal buyers with down payment costs | via FHA summary pages | THRHA / tribal authority | Deferred + forgiving | No | |
| Alaska | NAHI / Home$tart Grants | Grant | Alaska Native / AI / Native Hawaiian homebuyers | Income ≤ 80% AMI; 1–4 unit property; 5-yr occupant requirement | Grant for down payment | closing / prepaid cost assistance | https://www.cookinletlending.com/nahi-homestart | Native home grants program | 15000/25000 forgiveable | No |
| Alaska | Ketchikan Home$tart / Purchasing Assistance | Grant / forgivable assistance | Homebuyers (owner-occupants) | Up to ~$10000; local eligibility and military / public service enhancements | Local down payment / closing cost assistance in Ketchikan | https://www.firstbankak.com/loans/mortgage-loans/purchasing-assistance.html | First Bank AK / local partners | 10 years fthen forgiveable | No | |
| Alaska | NeighborhoodLIFT (AK local) | Forgivable second loan (DPA) | Homebuyers (owner-occupants) | 5-year forgivable if stay in home | Down payment assistance via localized LIFT program | https://nwalaska.org/lift-faqs | NeighborhoodLIFT / partners | Varies | Forgivable over 5 yrs | No |
| Alaska | AHFC Down Payment Assistance (AHELP) | Second mortgage | First-time buyers using AHFC loans | Must meet income/property limits; must work with approved lender | Provides down payment via partner lenders or nonprofits | https://www.ahfc.us/buy/resources/down-payment-assistance | AHFC | Varies | Deferred | No |
| Alaska | HOP (Home Opportunity Program) | Zero-interest loan w/ forgiveness | Low-income homebuyers | 1st $10000 forgivable over 5 years | Helps with closing/down payment/mortgage buy-down | https://www.alaskacdc.org/home-opportunity-program.html | Alaska CDC | Up to $30k, 5-year forgivable portion | No | |
| Alaska | THRHA DPA Program | Second mortgage (forgivable) | Native Alaskan buyers | 10% forgiven annually after year 5 | Down payment assistance for Southeast Alaska Native buyers | via FHA summary | THRHA | Up to $20k | Partial forgiveness over 10 years | No |
| Alaska | Cook Inlet NAHI / Home$tart | Grant | Native American/Native Hawaiian buyers | Must be income-eligible; owner-occupied 5 yrs | Grants for DPA and closing costs | https://www.cookinletlending.com/nahi-homestart | Cook Inlet Lending | Up to $25k | Grant | No |
| Alaska | NeighborhoodLIFT (Alaska) | Forgivable loan | First-time homebuyers | Must remain in home 5 years | Down payment assistance forgivable loan | https://nwalaska.org/lift-faqs | LIFT / Wells Fargo | Varies | Forgivable | No |
| Arizona | Home Plus DPA Program | Down Payment Assistance Grant | First-time and repeat homebuyers | Income ≤ $122100; credit score ≥ 640; property in Arizona | Provides up to 5% assistance for down payment and closing costs | https://homeplus.az.gov | Arizona IDA / Industrial Development Authority | Up to 5% | N/A | No |
| Arizona | Home Plus DPA Program | DPA Grant | First-time & repeat buyers | Income ≤ $122100; FICO ≥ 640 | 5% grant toward down payment and closing | https://homeplus.az.gov | AZ IDA | 5% | N/A | No |
| Arizona | Home Plus Down Payment Assistance | Deferred / forgivable second mortgage / DPA | First-time / repeat homebuyers | Income ≤ ~$146 | 503; homebuyer education; use participating lender; up to 4% assistance | Combines 30-year mortgage with down payment/closing cost assistance | https://arizonaida.com/homeplusdpa/ | Arizona IDA / ADOH / partners | 4% Deferred / forgivable | No |
| Arizona | Arizona Is Home Program | Down payment assistance + interest rate buydown | First-time homebuyers | 000; program funding caps | Provides down payment and interest buydown assistance to eligible buyers | https://housing.az.gov/general-public/arizona-home-program | Arizona Dept of Housing | Up to $30000 Deferred until sale/refi | No | |
| Arizona | Flagstaff Community Homebuyer Assistance Program (CHAP) | Matching grant / DPA | Homebuyers (owner-occupant) | City limits; mortgage eligibility; up to $50 | $50000 matching assistance | Offers matching funds for down payment/closing costs in Flagstaff | https://www.flagstaff.az.gov/5058/Community-Homebuyer-Assistance-Program | City of Flagstaff | Up to $50000 Grant or deferred | No |
| Arizona | Investor Programs | No known investor‚Äëspecific assistance | N/A | N/A | N/A | N/A | N/A | N | No | |
| Arizona | Home Plus DPA Program | Down Payment Assistance Grant | First-time and repeat homebuyers | Income < $122100; credit score ‚ > 640; property in Arizona | Provides up to 5% assistance for down payment and closing costs | https://homeplus.az.gov | Arizona IDA / Industrial Development Authority | Up to 5% | No | |
| Arkansas | ADFA Move-Up Choice | DPA Loan + Mortgage | Homebuyers | Income/credit restrictions | 4% assistance as second lien | https://homeloans.arkansas.gov | ADFA | 4% | Second mortgage | No |
| California | CalHFA Dream for All Shared Appreciation Loan | Shared Appreciation Loan | First-time buyers | Income limit ≤ 150% AMI; must use CalHFA lender | Loan covers 20% down | repaid + share of appreciation | https://www.calhfa.ca.gov/dream/index.htm | CalHFA | 20% Shared equity | No |
| California | CalHFA MyHome Down Payment Assistance | Deferred / subordinate loan | First-time / lower-income homebuyers | Must meet CalHFA income & purchase price limits; use CalHFA first mortgage; homebuyer education required | Offers 3%–3.5% of home price for down payment or closing costs as junior loan | https://www.calhfa.ca.gov/homebuyer/programs/index.htm | CalHFA | 3%–3.5% | Deferred until sale/refi, Partial (must be owner occupant) | No |
| California | CalHFA ZIP (Zero Interest Program) | Zero-interest deferred loan | First-time / lower-income homebuyers | Must pair with CalHFA mortgage; income & price limits; use for closing/down payment | Provides zero-interest assistance repayable upon sale/refi or payoff | https://www.calhfa.ca.gov/homebuyer/programs/index.htm | CalHFA | Varies | Deferred until sale/refi Partial (owner occupant) | No |
| California | Los Angeles (City) | LAHD Mortgage Credit Certificate (MCC) | Federal tax credit | First-time homebuyers in City of LA, Must meet income limits, be first-time, occupy property as primary residence | Offers 20% of mortgage interest paid as tax credit against federal taxes | https://housing.lacity.gov/housing/first-time-homebuyers | LAHD | N/A | Tax credit mechanism | No |
| California | Los Angeles (City) | LAHD Low-Income Purchase Assistance (Deferred / Zero Interest) | Deferred / subordinate loan | Low-income first-time homebuyers | Up to 5% of sale price (max ~$161000); income & price caps; occupancy & first-time requirement | Helps fund down payment and closing costs via subordinate loan | https://www.housing.lacity.gov/housing/first-time-homebuyers | LAHD | 5% Deferred until sale/refi | No |
| California | Los Angeles County | LA County Greenline Home Program | Grant (down payment / closing cost) | First-time | low-to-moderate income buyers in LA County | Income limits by county; priority in high-need census tracts; occupancy requirement for 3 years; single-family/condo/townhouse requirement, Up to $35000 grant toward down payment/closing cost | https://dcba.lacounty.gov/greenline/ | LA County / DCBA | Up to $35k No repayment (grant) | No |
| California | Los Angeles County | LACDA HOP80 / HOP120 Home Ownership Program | Subordinate second mortgage | First-time homebuyers in parts of LA County | Assistance up to $100000 (HOP80) or $85000 (HOP120) or 20% | must use approved lender, income/price limits, Provides down payment / closing cost funds via junior loans | https://www.lacda.org/home-ownership/home-ownership-program | LACDA | Varies, Amortized junior loan | No |
| California (State / non-profit) | Century Housing (CDFI / Developer finance) | Acquisition / subordinate / bridge lending | Affordable housing developers / investor‚Äëdevelopers | Projects must meet affordable housing unit and subsidy criteria | Provides acquisition, construction, bridge, and subordinate financing for affordable housing developers | https://www.century.org | Century Housing | Varies | Repay per project terms | Yes (developer/investor) |
| California (State‚Äëlevel / local) | Mills Act (Historic Property Tax Incentive) | Property tax incentive / abatement | Property owners including investor-owners restoring qualified historic structures | Property must meet historic criteria, local contract, maintenance/restoration obligations | Reduces property taxes for owners (including investors) committed to restore historic buildings | Local city planning / historic preservation | Varies (tax reduction) | N/A | Yes (owner of property, including investor) | |
| Colorado | CHFA FirstStep Plus | DPA + Mortgage | First-time buyers | Income < $150k | FICO above 620, DPA up to 4% with CHFA mortgage | https://www.chfainfo.com/homebuyers | CHFA | 4% | Deferred | No |
| Colorado | CHFA Down Payment Assistance Grant / Second Mortgage | Grant / deferred second mortgage (DPA) | First-time homebuyers | Must use CHFA first mortgage; up to $25000 or up to 3‚ÄØ% grant / 4‚ÄØ% loan; income/purchase/credit limits | Assistance for down payment & closing costs via grant or deferred lien | https://www.chfainfo.com/homeownership/down-payment-assistance | CHFA | Up to $25000 | Deferred / grant | No |
| Colorado | metroDPA (Denver / Front Range) | Deferred 0% second mortgage | Homebuyers in participating counties / Front Range | Income ≤ ~$210150; credit score ≥ 640 (or 620); no monthly payments/interest; repay when first mortgage is paid or home sold | Deferred down payment assistance in Front Range areas | https://www.denvergov.org/Government/Agencies-Departments-Offices/Agencies-Departments-Offices-Directory/Department-of-Housing-Stability/Resident-Resources/Affordable-Home-Ownership/metroDPA | City / County / regional program | Varies | Deferred until sale/refi | No |
| Colorado | Grand County Down Payment Assistance | Low-interest subordinate loan | Low-to-moderate-income homebuyers in Grand County | Must pre-qualify for first mortgage; property in Grand County; subordinate lien behind first | Provides down payment & closing cost support as a low-interest loan | https://www.co.grand.co.us/1155/Down-Payment-Assistance | Grand County | Varies | Low-interest subordinate | No |
| Colorado | Investor Programs | No known investor‚Äëspecific assistance | No known investor purchase assistance in CO | N/A | N/A | N/A | ||||
| Connecticut | CHFA Down Payment Assistance | 0% Second Loan | First-time buyers | Must use CHFA lender | income restrictions, DPA up to $20k repaid over 30 years | https://www.chfa.org/homebuyers/ | CHFA | Up to $20k | 0% amortized | No |
| Delaware | DSHA DPA Loan | Deferred Second Mortgage | First-time buyers | Income limit by county | price limits, 2nd lien DPA repaid on sale or refi | https://www.destatehousing.com/HomeOwnership/dn_dpa.php | DSHA | Up to $10k | Deferred | No |
| Florida | Florida Assist (FL Assist) | Deferred second mortgage (0% interest) | First-time homebuyers | Up to $10000; must use FHA/VA/USDA or conventional via Florida Housing; income & purchase limits | Provides down payment/closing cost assistance | https://www.floridahousing.org/programs/homebuyer-overview-page | Florida Housing | 10% | Deferred until sale/refi | No |
| Florida | Hometown Heroes Housing Program (FL) | Deferred non-amortizing second mortgage | First-time buyers, veterans, essential professionals | First-time buyers, veterans, essential professionals | Assistance for down payment/closing costs for essential workers | https://www.floridahousing.org | Florida Housing | Up to $35000 | Deferred until sale/refi | No |
| Florida | Hollywood Homebuyer Purchase Assistance | Deferred 0% second mortgage | Homebuyers (low/mod income) in eligible areas | Up to $50000; 15-year term; forgiven incrementally if remain owner-occupied | Supports purchase in Neighborhood Pride zones | https://www.broward.org/Housing/Pages/Hollywood%20Homebuyer%20Purchase%20Assistance%20Program.aspx | City of Hollywood (Broward County) | $50,000 | Deferred / forgivable | No |
| Florida | Dare to Own the Dream (DARE) | Deferred | forgivable second mortgage / silent second | First-time homebuyers in Tampa | Up to $50000; income ≤ 140% AMI; forgivable over 20 years | https://www.tampa.gov/housing-and-community-development/programs/mortgage-assistance | City of Tampa | 50000 | Deferred / forgivable over 20 yrs | No |
| Florida | Development / Multifamily Financing (FL Housing) | Low-interest / gap financing | Developers / investors | Projects must include affordable units, meet restrictions | Offers bond financing subsidy, gap loans for rental/ownership housing | https://www.floridahousing.org | Florida Housing | Varies | Project repayment terms | Yes |
| Georgia | Georgia Dream Homeownership Program | Deferred 0% interest second mortgage (DPA) | First-time or repeat in target areas (owner‚Äëoccupants) | No home ownership in past 3 yrs (unless area exception); income/purchase limits; max 5% or $10000 (or $12500) | Provides DPA subordinate loan repayable on sale/refi | https://georgia.gov/apply-georgia-dream-homeownership-program | Georgia DCA / Georgia Dream | Up to 5% or $10000 (or $12500) | Deferred until sale/refi | No |
| Georgia | Georgia Peach Plus / Peach Select (component) | Enhanced DPA | Public protectors, educators, military, healthcare or disabled family | Public protectors, educators, military, healthcare or disabled family | Allows higher assistance (4% / $12500) for special professions, Enhanced DPA options for eligible professions | https://www.fha.com/fha-grants?state=GA | FHA / GA Dream | Up to 4% / $12 | Deferred until sale/refi | No |
| Georgia | Savannah DreamMaker Home Buyer Assistance | Deferred 0% DPA / gap financing | First-time homebuyers in Savannah city limits | Must use approved lender; inspection & seller repairs; assistance ~ $30 | Helps with down payment/closing costs/gap funding as deferred loan | https://themortgagereports.com/80787/georgia-first-time-home-buyer-programs-grants | Savannah Housing / local | Up to ~$30000 | Deferred until sale/refi | No |
| Georgia | Investor Programs | No known investor‚Äëspecific assistance | No known investor purchase assistance in GA | N/A | N/A | N | No | |||
| Hawaii | HHFDC 201H Loan Program (Chapter 15-317) | Second mortgage loan | DPA for eligible first-time buyers | Income ≤ 120% AMI; must occupy home | Offers DPA loans secured by property under 201H statute | https://dbedt.hawaii.gov/hhfdc/ | HHFDC | Varies | Secured lien | No |
| Hawaii | Honolulu Down Payment Loan Program | Deferred zero-interest loan | Buyers in Oahu (City & County) | Up to $40k; repay upon sale | 20-year amortized 0% loan for DPA | https://www.honolulu.gov/dcs/ | City of Honolulu | $40,000 | Deferred repayment | No |
| Hawaii | NAHASDA DPA (Home Lands) | Grant/Loan | Hawaiian Home Lands buyers | Must purchase on native lands | One-time assistance for home purchases on HH lands | https://dhhl.hawaii.gov/ | Dept of Hawaiian Home Lands | Varies | One-time | No |
| Hawaii | Mortgage Credit Certificate (MCC) | Tax credit | First-time homebuyers | Meet federal MCC eligibility | Reduces federal income tax liability | https://www.uhfcu.com/mortgages/first-time-homebuyer-programs/ | HHFDC/UHFCU | Up to $2000/year | Tax credit | No |
| Hawaii | Chapter 15‑317 Down Payment Loan Assistance | Second lien down payment loan | First-time homebuyers | Up to 120% AMI; statutory basis via HRS §201H | State-authorized DPA via HHFDC / nonprofits | via PDF rules HHFDC | HHFDC / nonprofit | Varies | Deferred until sale/refi | No |
| Hawaii | Honolulu Down Payment Loan Program | Deferred zero-interest second lien | Income-eligible homebuyers in Oahu | Up to $40000; must not currently own; income limits; must complete education | Interest-free assistance for down payment/closing cost | Honolulu DCS brochure PDF | City & County of Honolulu | $40,000 | Deferred for 20 yrs or per terms | No |
| Hawaii | HHOC Down Payment / Deferred Closing Cost | Deferred assistance | First-time homebuyers | 3% down; some programs up to $10000; matching / deferred structure | Helps with down payment & closing cost via 0% loans | via mortgage reports / program summaries | HHOC / HHFDC | 10000 | Deferred | No |
| Hawaii | NAHASDA DPA (Hawaiian Home Lands) | Grant / assistance | Buyers on Hawaiian Home Lands | Primary residence on HH Lands; turnkey residential requirements | Provides down payment / closing cost assistance on HH Lands | HHFDC / DHHL | Varies | One-time grant use | No | |
| Hawaii | Mortgage Credit Certificate (MCC) | Tax credit | First-time / qualified homebuyers | Must meet first-time buyer & income / purchase criteria | Allows portion of mortgage interest paid as direct federal tax credit | via UHFCU / HHFDC MCC references | HHFDC / issuer lenders | Up to credit limit (e.g. 20% interest) | Tax credit (not loan) | No |
| Hawaii | HHFDC 201H Loan Program (Chapter 15-317) | Second mortgage loan | DPA for eligible first-time buyers | Income ≤ 120% AMI; must occupy home | Offers DPA loans secured by property under 201H statute | https://dbedt.hawaii.gov/hhfdc/ | HHFDC | Varies | Secured lien | No |
| Hawaii | Honolulu Down Payment Loan Program | Deferred zero-interest loan | Buyers in Oahu (City & County) | Up to $40k; repay upon sale | 20-year amortized 0% loan for DPA | https://www.honolulu.gov/dcs/ | City of Honolulu | $40,000 | Deferred repayment | No |
| Hawaii | NAHASDA DPA (Home Lands) | Grant/Loan | Hawaiian Home Lands buyers | Must purchase on native lands | One-time assistance for home purchases on HH lands | https://dhhl.hawaii.gov/ | Dept of Hawaiian Home Lands | Varies | One-time grant use | No |
| Hawaii | Mortgage Credit Certificate (MCC) | Tax credit | First-time homebuyers | Meet federal MCC eligibility | Reduces federal income tax liability | https://www.uhfcu.com/mortgages/first-time-homebuyer-programs/ | HHFDC/UHFCU | Up to $2000/year | Tax credit | No |
| Idaho | Idaho Housing Down Payment & Closing Cost Assistance | Second Mortgage / Deferred | Live-in homebuyers (first-time & repeat) | Household income > ~$170000; own funds $500 min; homebuyer education required | Provides up to 7% of sales price toward down payment/closing costs via subordinate loan | https://www.idahohousing.com/homebuyers/down-payment-closing-cost-assistance/ | Idaho Housing | Up to 7% | Deferred until sale/refi | No |
| Idaho | Idaho Heroes Loan (Idaho Housing) | Low‚Äëinterest subordinate loan | Live-in homebuyers in public service | Same general income/loan limits; flexible credit; up to 7% assistance | Offers additional assistance for qualifying essential workers to reduce required own funds | (via Idaho Housing / IHFA) | Idaho Housing / IHFA | Up to 7% | Amortized junior loan | No |
| Idaho | Idaho First‚ÄëTime Homebuyer Savings Account / Deduction | Tax‚Äëadvantaged savings / deduction | First-time homebuyers | Must be first-time; live in Idaho; contribution limits; use funds for eligible home costs | Allows savings toward home purchase with state income tax deduction and tax-free withdrawal if used for home purchase | https://tax.idaho.gov/taxes/income-tax/individual-income/popular-credits-and-deductions/first-time-homebuyers-deduction/ | Idaho State Tax | Contribution up to $15000000 (single) / $30000 (joint) | N/A (tax mechanism) | No |
| Idaho | Ada County / Boise Homeownership Opportunity Program (HOP) / local DPA | Grant / Deferred loan | Live-in homebuyers of modest income | Income limits by AMI; must use approved lender; property in area; homebuyer education requirement | Local down payment assistance program for moderate-income buyers in Boise/Ada area (grant or deferred loan) | https://nwboise.org/down-payment-assistance-programs-in-idaho/ | Boise / Ada County / local housing | Varies | Deferred/grant option | No |
| Illinois | IHDAccess Deferred | Deferred 0% second mortgage (DPA) | First-time & repeat owner‚Äëoccupants | Income/purchase price limits; min credit score ~640; borrower's $1000 or 1%; 1 or 2 unit property | https://www.ihda.org/my-home/getting-an-ihda-loan/ | IHDA | Up to 5% | Deferred until sale/refi | No | |
| Illinois | IHDAccess Forgivable | Forgivable second mortgage / grant‚Äëstyle DPA | Same eligibility as Deferred; forgiven over 10 years if remain in home | Forgives up to 4% (~$6000) over 10 years | https://www.ihda.org/lenders-realtors/lending-programs/ | IHDA | Up to 4% | Forgivable over 10 yrs | No | |
| Illinois | Cook County Down Payment Assistance Program | Grant / DPA / mortgage buydown | Homebuyers in Cook County | Income-eligible; must be in Cook County; program may be out of funds | Assistance with down payment, losing costs | https://www.cookcountyil.gov/service/down-payment-assistance-program | Cook County Govt | Varies | Grant / deferred | No |
| Illinois | Investor Programs | No known investor specific assistance | No known investor purchase assistance in IL | N/A | N/A | No | ||||
| Kansas | Kansas First Time Homebuyer Program (FTHB) | 0% Deferred Loan | DPA for low-income first-time buyers | Up to 20% of home price; forgivable over 10 years | Provides down payment & closing cost assistance forgivable if occupancy sustained | https://kshousingcorp.org/housing-partners/community-solutions/ | KHRC | Up to 20% | Forgivable | No |
| Kansas | Kansas First Time Homebuyer Program (KHRC FTHB) | 0% interest subordinate loan (forgivable) | First-time homebuyers | Up to 15–20% of purchase price; 0% interest; forgiven over 10 years if remain owner-occupied | Provides down payment closing cost assistance via subordinate loan forgivable over time | https://kshousingcorp.org/housing-partners/community-solutions/ | KHRC | 15%-20% | Forgivable over 10 yrs | No |
| Kansas | Kansas First Time Homebuyer Program (FTHB) | 0% Deferred Loan | DPA for low-income first-time buyers | Up to 20% of home price; forgivable over 10 years | Provides down payment & closing cost assistance forgivable if occupancy sustained | https://kshousingcorp.org/housing-partners/community-solutions/ | KHRC | Up to 20% | Forgivable | No |
| Massachusetts | MassHousing Down Payment Assistance | Deferred or amortizing second mortgage | First-time homebuyers | Up to $30000 DPA; options include 0% deferred or 15-year amortizing at 2% or 3%; must pair with MassHousing mortgage | Flexible DPA structures to reduce upfront burden | https://www.masshousing.com/home-ownership/homebuyers/down-payment-assistance | MassHousing | 30000 | Deferred or amortizing | No |
| Massachusetts | MassDREAMS Grant | Grant first-time homebuyers | Satisfying program criteria supplement to state assistance | Grant / close cost assistance layered with state DPA | https://www.masshousing.com/en/home-ownership/homebuyers/massdreams | MassHousing / state/local | Varies | No repayment | No | |
| Michigan | MI Home Loan | First mortgage + subordinate pairing | First-time & repeat in targeted areas | Income limits; sales price $544000,233; credit score ‚â• 640; must use participating lender | 30-year fixed mortgage product | https://www.michigan.gov/mshda/pathway-to-housing | MSHDA | Varies | N/A | No |
| Michigan | MI 10K DPA Loan | Deferred 0% second mortgage / DPA | Homebuyers using MI Home Loan | Up to $10000; no interest/payments until sale/refi/transfer; homebuyer education required | Assists with down payment/closing costs | https://www.michigan.gov/mshda/pathway-to-housing | MSHDA | 10000 | Deferred until sale/refi | No |
| Michigan | First Generation DPA | Pilot deferred subordinate loan | First-generation homebuyers | Up to $25000; combine with eligible first mortgage; cannot pair with MI 10K DPA | Pilot assistance for down payment/closing costs | via MSHDA / news references | MSHDA | 25000 | Deferred until sale/refi | No |
| Michigan | Detroit Down Payment Assistance / HomeBoost | Grant / zero-interest DPA | First-time buyers in Detroit | Up to ~$25,000 used for DPA, closing costs | interest rate reductions | local criteria | Local DPA program to reduce upfront costs in Detroit areas | via Michigan First / local DPA pages | yes | |
| Minnesota | Minnesota Housing Start Up (DPA) | Deferred second mortgage (DPA) | First-time & move-up homebuyers | Income & purchase price limits by region; use participating first mortgage; homebuyer education | Provides DPA to assist down payment and closing cost | State housing agency (Minnesota Housing) | Varies | Deferred | No | |
| Minnesota | Minnesota Housing Developer / Multifamily Financing | Gap financing / low-interest loans / tax credits | Developers / investors in affordable housing | Projects must commit to affordability and follow program rules | Provides capital support to affordable housing development | State housing agency | Varies | Project terms | Yes | |
| Missouri | MHDC First Place + DPA | First mortgage + forgivable or deferred DPA | First-time / repeat homebuyers | Must use MHDC first mortgage; DPA up to allowable percent; income / purchase / credit constraints | Combines home loan with DPA assistance for eligible buyers | Missouri Housing Development Commission | Varies | Forgivable or deferred | No | |
| Missouri | MHDC Next Step + DPA | First mortgage + DPA | First-time & repeat homebuyers | Similar eligibility to First Place; income / purchase / credit limits | Supports both new and repeat buyers with DPA options | Missouri Housing Development Commission | Varies | Forgivable or deferred | No | |
| Missouri | Investor Programs | No known investor specific assistance | No known investor purchase assistance in MO | |||||||
| Nebraska | NIFA Homebuyer Assistance Program (HBA) | First + second mortgage | DPA for live-in homebuyers | Income ≤ $174k; 1-2 unit home; education course | Provides down payment + second mortgage assistance | Nebraska Investment Finance Authority (NIFA) | Up to 5% of price | Second mortgage repaid monthly | No | |
| Nevada | Home Is Possible (HIP) | Grant / second mortgage | First-time & repeat homebuyers | Income ≤ $105k; min credit score 640; purchase price ≤ $548k | State program offering DPA grant or forgivable second | Nevada Housing Division | Varies | Forgivable or grant | No | |
| Nevada | HIP for Teachers | Grant | Teachers (licensed in Nevada) | Full-time K–12 teachers; income & price limits | Special DPA grant program for teachers | Nevada Housing Division | Up to 5% | Grant | No | |
| Nevada | HIP for Heroes | Forgivable loan | Veterans / military / first responders | Military service, veteran status, or first responder | DPA loan forgivable after 3 years of occupancy | Nevada Housing Division | Up to 5% | Forgivable after 3 years | No | |
| New Hampshire | Home Flex Plus | Second mortgage (forgivable) | First-time & repeat buyers | Income & purchase limits; credit 620+ | DPA loan forgiven after 4 years | New Hampshire Housing Finance Authority | Up to 4% | Forgivable after 4 years | No | |
| New Hampshire | Home Preferred Plus | Second mortgage (forgivable) | First-time buyers | Income ≤ 80% AMI; credit 620+ | DPA forgivable after 4 years | New Hampshire Housing Finance Authority | Up to 4% | Forgivable after 4 years | No | |
| New Hampshire | Investor Programs | No known investor-specific assistance | No investor-specific purchase support in NH | |||||||
| New Jersey | NJHMFA Down Payment Assistance | Forgivable second mortgage | First-time homebuyers | Income & purchase price caps; credit score ‚â• 620 | Second mortgage forgiven after 5 years if occupancy maintained | New Jersey Housing and Mortgage Finance Agency | Up to $15k | Forgivable after 5 years | No | |
| New Jersey | Live Where You Work | Grant / low-interest loan | Buyers purchasing in employer city | Must buy in city where employed; employer & municipal partnership | Incentive program supporting buyers near workplaces | NJHMFA + local partners | Varies | Grant / loan terms | No | |
| New Mexico | FIRSTHome Program | First mortgage + DPA | First-time buyers | Income & purchase limits; education required | First mortgage with subsidized DPA option | New Mexico Mortgage Finance Authority | Varies | Second mortgage repayable | No | |
| New Mexico | HERO Program | DPA loan | Teachers, police, firefighters, veterans | Must be in eligible profession; income limits | Provides reduced-rate loans and DPA to essential workers | New Mexico MFA | Varies | Loan repayment required | No | |
| New York | SONYMA Down Payment Assistance Loan (DPAL) | Zero-interest loan | First-time homebuyers | Income & purchase price caps; min $1k contribution | Zero-interest loan forgiven after 10 years | State of NY Mortgage Agency (SONYMA) | Up to $15k or 3% price | Forgivable after 10 years | No | |
| New York | Neighborhood Revitalization Program | Forgivable loan / grant | Buyers of foreclosed/abandoned homes | Must purchase qualified distressed property | Funds repairs & rehabilitation with DPA | SONYMA | Up to $20k | Forgivable with occupancy | No | |
| New York City | HomeFirst DPA | Forgivable loan | First-time buyers in NYC | Income ≤ 80% AMI; education course | DPA forgivable after 10 years | NYC Housing Preservation & Development | Up to $100k | Forgivable after 10 years | No | |
| North Carolina | NC Home Advantage Mortgage | First mortgage + DPA | First-time & move-up buyers | Income ≤ $126k; credit score ≥ 640 | 30-year mortgage with DPA assistance | NC Housing Finance Agency | Up to 3% of loan | Forgivable after 15 years | No | |
| North Carolina | NC 1st Home Advantage DPA | Zero-interest second mortgage | First-time buyers & veterans | Income limits; credit score ‚â• 640 | $15k DPA forgivable after 15 years | NC Housing Finance Agency | $15k | Forgivable | No | |
| North Dakota | ND Roots Program | First mortgage + DPA | First-time buyers | Income & purchase limits; must meet credit | DPA loan added to affordable mortgage | ND Housing Finance Agency | Varies | Repayable loan | No | |
| North Dakota | Start Program | First mortgage + DPA | Low-to-moderate income buyers | Must meet program limits | Provides mortgage & DPA combo product | ND Housing Finance Agency | Varies | Repayable loan | No | |
| Ohio | Your Choice! DPA | Forgivable loan | First-time & repeat homebuyers | Income & purchase caps; credit ≥ 640 | DPA forgivable after 7 years | Ohio Housing Finance Agency | 2.5–5% of loan | Forgivable after 7 years | No | |
| Ohio | Grants for Grads | Forgivable loan | Recent graduates moving to Ohio | Must have graduated in past 48 months | Forgivable DPA loan if remain in Ohio | OHFA | 2.5% of loan | Forgivable after 5 years | No | |
| Oklahoma | OHFA Homebuyer Down Payment Assistance | Grant | First-time & repeat buyers | Income & purchase price limits; credit ‚â• 640 | Grant funds for down payment and closing costs | Oklahoma Housing Finance Agency | Up to 3.5% | Grant | No | |
| Oklahoma | REI Down Payment Assistance | Grant | Buyers statewide | Income & purchase price limits | Nonprofit-administered DPA grant | REI Oklahoma | Varies | Grant | No | |
| Oregon | Oregon Bond Residential Loan Program | First mortgage + DPA | First-time buyers | Income & purchase price caps; credit ‚â• 640 | Mortgage with below-market interest + optional DPA | Oregon Housing and Community Services | Up to 3% of price | Loan repayable | No | |
| Pennsylvania | Keystone Advantage Assistance Loan | Zero-interest loan | First-time & repeat buyers | Income & purchase limits; minimum $1k down | Zero-interest loan repayable monthly | Pennsylvania Housing Finance Agency | Up to $6k | Monthly repayment | No | |
| Pennsylvania | HOMEstead Downpayment Assistance | Forgivable loan | First-time buyers | Income ≤ 80% AMI; purchase price caps | Loan forgivable over 5 years with occupancy | PHFA | $10k | Forgivable after 5 years | No | |
| Pennsylvania | Access Downpayment & Closing Cost Assistance | Deferred loan | Buyers with disabilities | Must use PHFA first mortgage | Deferred loan for accessibility expenses | PHFA | $15k | Deferred until sale/refi | No | |
| Rhode Island | First Down Program | Forgivable loan | First-time buyers | Income & purchase limits; credit ‚â• 620 | Forgivable after 5 years occupancy | RI Housing | $17.5k | Forgivable after 5 years | No | |
| Rhode Island | Extra Assistance Loan | Repayable loan | First-time buyers | Income limits; credit ‚â• 620 | Repayable down payment loan | RI Housing | $15k | Repayable | No | |
| South Carolina | SC Housing Homebuyer Program | First mortgage + DPA | First-time & repeat buyers | Income & purchase price caps; education course | 30-year mortgage with DPA assistance | SC State Housing Finance & Development Authority | Up to $8k | Forgivable after 10 years | No | |
| South Carolina | Palmetto Heroes Program | DPA loan + mortgage benefit | Teachers, police, firefighters, EMTs, veterans | Must be in eligible profession | Provides reduced-rate mortgage with DPA | SC Housing Finance & Development Authority | Up to $12k | Forgivable after 10 years | No | |
| South Dakota | SDHDA Fixed Rate Plus | First mortgage + DPA | First-time & repeat buyers | Income & purchase price caps | 30-year mortgage with optional DPA | South Dakota Housing Development Authority | Up to 3% of loan | Repayable loan | No | |
| Tennessee | Great Choice Plus | Second mortgage (deferred) | First-time buyers | Income & purchase price limits; education required | Deferred 0% second mortgage for down payment | Tennessee Housing Development Agency | Up to $6k | Deferred | No | |
| Tennessee | Homeownership for the Brave | Reduced-rate mortgage + DPA | Veterans / military | Must be active duty or veteran | Mortgage program with DPA benefit | THDA | Up to $6k | Deferred | No | |
| Texas | My First Texas Home | First mortgage + DPA | First-time buyers | Income & purchase price caps; education required | Mortgage with DPA second loan | Texas Department of Housing & Community Affairs | Up to 5% of loan | Repayable loan | No | |
| Texas | Homes for Texas Heroes | DPA grant or loan | Teachers, police, firefighters, EMS, veterans | Must be eligible profession | Provides mortgage + DPA option | TDHCA | Up to 5% of loan | Grant/loan | No | |
| Utah | Utah First-Time Homebuyer Assistance | Loan | First-time buyers | Income & purchase price caps; must use approved lender | Provides loan for down payment/closing costs | Utah Housing Corporation | Up to $20k | Repayable loan | No | |
| Vermont | ASSIST Loan | Zero-interest deferred loan | First-time buyers | Income & purchase price caps | Deferred until sale or refinance | Vermont Housing Finance Agency | Up to $10k | Deferred | No | |
| Virginia | Down Payment Assistance Grant | Grant | First-time buyers | Income ≤ 80% AMI; education required | Grant for down payment assistance | Virginia Housing | Up to 2.5% of price | Grant | No | |
| Virginia | Closing Cost Assistance Grant | Grant | First-time buyers | Income ≤ 80% AMI; education required | Grant for closing cost assistance | Virginia Housing | Up to 2% of price | Grant | No | |
| Washington | Home Advantage DPA | Second mortgage | First-time & repeat buyers | Income ≤ $180k; credit ≥ 620 | 0% deferred loan for down payment | Washington State Housing Finance Commission | Up to 4% of price | Deferred | No | |
| Washington | Opportunity DPA | Second mortgage (forgivable) | Low-income first-time buyers | Income ≤ 80% AMI | Forgivable 0% loan for down payment | WSHFC | Up to $15k | Forgivable after 5 years | No | |
| West Virginia | Mountaineer Home | First mortgage + DPA | First-time buyers | Income & purchase caps; credit ‚â• 640 | Mortgage with optional DPA assistance | West Virginia Housing Development Fund | Varies | Repayable loan | No | |
| Wisconsin | WHEDA Easy Close DPA | Second mortgage | First-time & repeat buyers | Must use WHEDA mortgage | Second mortgage for down payment | Wisconsin Housing & Economic Development Authority | Up to 6% of price | Repayable loan | No | |
| Wisconsin | WHEDA Capital Access Advantage | Forgivable loan | First-time buyers | Income & purchase caps; WHEDA mortgage required | Forgivable loan paired with WHEDA mortgage | WHEDA | Up to 3% of price | Forgivable after 5 years | No | |
| Wyoming | Amortizing DPA | Second mortgage | First-time buyers | Income & purchase price caps | Amortizing second mortgage | Wyoming Community Development Authority | Up to $10k | Repayable loan | No | |
| Wyoming | Home Again DPA | Second mortgage | First-time buyers | Income & purchase price caps | 0% deferred second mortgage | WCDA | Up to $10k | Deferred | No | |
| Wyoming | Hardest Hit Fund (Keep Your Home) | Forgivable loan | Homeowners at risk of foreclosure | Must show hardship, meet income | Program for foreclosure prevention & stability | Wyoming Community Development Authority | Varies | Forgivable depending on terms | No | |
Questions buyers ask
Can an investor use down payment assistance?
Most state programs require owner occupancy, but a few allow repeat buyers or owner-occupants of multi-unit homes. The table marks investor eligibility per program; confirm with the administering agency before you rely on it.
Are these grants or loans?
Both. Many are deferred or forgivable second mortgages that become free money if you stay the required years; some are outright grants. The repayment column shows which.
