Common questionCommon question
Can you use down payment assistance on new construction?
Short answer
Yes, commonly: 1722 of the 2,700-plus programs in the catalog allow newly built homes. They are recorded in 51 states and territories.
By the numbers
programs allowing new construction
- States and territoriesStates and territories with one
- 51
- Open nationwideOpen nationwide
- 3
- Grants or forgivableGrants or forgivable loans
- 796
- Deferred second loansDeferred second loans
- 448
- Ask for a homebuyer classAsk for a homebuyer class
- 1,473
- No first-time ruleNo first-time requirement
- 475
Hey Prescott catalog of 2,000+ programs. Types are as each program record labels them.
What to know
Programs that allow new construction may still require the home to be complete and to have a certificate of occupancy before closing, which rules out some build contracts. Programs funded for neighborhood revitalization sometimes prefer or require existing homes instead.
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
Programs allowing new construction, leaving out the 3 nationwide programs.51 states and territories have at least one. Each links to that state’s full directory. Counts leave out the 3 nationwide programs that count here, which apply in every state.
| State | Programs allowing new construction |
|---|---|
| California | 278 |
| Texas | 131 |
| Colorado | 88 |
| Virginia | 63 |
| Maryland | 57 |
| Oklahoma | 52 |
| Ohio | 48 |
| Georgia | 47 |
| Pennsylvania | 46 |
| Louisiana | 44 |
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.