Can you combine down payment assistance programs?
Often, yes: 1495 of the 2,700-plus programs in the catalog are marked stackable, meaning the administering agency permits them to be layered with another assistance program.
Stacking rules are set by each agency and are not symmetrical — a program that permits layering may still exclude specific other programs, and lien position determines the order in which a second and third mortgage are recorded. Where a program names the programs it can be combined with, that list appears on its own page.
State by state
51 states and territories have at least one. Each links to that state's full directory.
| State | Stackable programs |
|---|---|
| California | 269 |
| Texas | 121 |
| Colorado | 76 |
| Maryland | 69 |
| Minnesota | 63 |
| Pennsylvania | 56 |
| Virginia | 56 |
| New York | 47 |
| Georgia | 43 |
| North Carolina | 40 |
| Illinois | 34 |
| Ohio | 33 |
| New Jersey | 30 |
| Washington | 30 |
| Arizona | 28 |
| Tennessee | 28 |
| Connecticut | 27 |
| Massachusetts | 25 |
| Wisconsin | 23 |
| Iowa | 22 |
| Montana | 22 |
| Indiana | 21 |
| South Carolina | 19 |
| Utah | 19 |
| West Virginia | 19 |
| District of Columbia | 18 |
| Oregon | 17 |
| Alabama | 16 |
| Louisiana | 16 |
| Michigan | 16 |
| Delaware | 15 |
| Oklahoma | 15 |
| New Hampshire | 13 |
| Nevada | 13 |
| Idaho | 12 |
| Kentucky | 12 |
| Missouri | 12 |
| Alaska | 10 |
| Rhode Island | 10 |
| South Dakota | 9 |
| Nebraska | 8 |
| New Mexico | 8 |
| Wyoming | 8 |
| Arkansas | 7 |
| Hawaii | 7 |
| Maine | 7 |
| Mississippi | 7 |
| Florida | 6 |
| Kansas | 5 |
| Vermont | 5 |
| North Dakota | 3 |
Questions, answered
Can you combine down payment assistance programs?
Often, yes: 1495 of the 2,700-plus programs in the catalog are marked stackable, meaning the administering agency permits them to be layered with another assistance program. Stacking rules are set by each agency and are not symmetrical — a program that permits layering may still exclude specific other programs, and lien position determines the order in which a second and third mortgage are recorded. Where a program names the programs it can be combined with, that list appears on its own page.
Where do these numbers come from?
Hey Prescott maintains a catalog of active down payment assistance programs across all 50 states and DC, each verified against the administering agency's own published material and carrying the date it was last checked. The counts on this page are drawn from that catalog and refresh as it does.
Is Hey Prescott a lender?
No. Hey Prescott is an educational directory of down payment assistance programs. We list programs and link to official sources; we do not make loans or give individualized lending advice.
More questions
- Do you have to pay back down payment assistance?
- Do you have to be a first-time buyer to get down payment assistance?
- Do you need a homebuyer education class for down payment assistance?
- What credit score do you need for down payment assistance?
- Can you use down payment assistance on a manufactured home?
- Can you use down payment assistance on new construction?
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