Common questionCommon question
Can you combine down payment assistance programs?
Short answer
Often, yes: 1494 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. They are recorded in 51 states and territories.
By the numbers
stackable programs
- States and territoriesStates and territories with one
- 51
- Open nationwideOpen nationwide
- 1
- Grants or forgivableGrants or forgivable loans
- 818
- Deferred second loansDeferred second loans
- 459
- Ask for a homebuyer classAsk for a homebuyer class
- 1,285
- No first-time ruleNo first-time requirement
- 385
Hey Prescott catalog of 2,000+ programs. Types are as each program record labels them.
What to know
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.
Near you
See programs where you’re buying
Start with a ZIP code, then a few short questions to see every program that matches your answers. No SSN, no credit pull.
State by state
Stackable programs, leaving out the 1 nationwide program.51 states and territories have at least one. Each links to that state’s full directory. Counts leave out the 1 nationwide program that counts here, which applies in every state.
| State | Stackable programs |
|---|---|
| California | 269 |
| Texas | 121 |
| Colorado | 75 |
| Maryland | 69 |
| Minnesota | 63 |
| Pennsylvania | 56 |
| Virginia | 56 |
| New York | 47 |
| Georgia | 43 |
| North Carolina | 40 |
Questions, answered
Where do these numbers come from?
Hey Prescott maintains a catalog of 2,000+ 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.