Can you use down payment assistance on new construction?
Yes, commonly: 1723 of the 2,700-plus programs in the catalog allow newly built homes.
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.
State by state
51 states and territories have at least one. Each links to that state's full directory.
| State | Programs allowing new construction |
|---|---|
| California | 280 |
| Texas | 131 |
| Colorado | 89 |
| Virginia | 63 |
| Maryland | 57 |
| Oklahoma | 52 |
| Ohio | 48 |
| Georgia | 47 |
| Pennsylvania | 46 |
| Louisiana | 44 |
| North Carolina | 44 |
| New Jersey | 44 |
| South Carolina | 40 |
| Illinois | 39 |
| Minnesota | 38 |
| Arizona | 35 |
| Tennessee | 35 |
| Michigan | 31 |
| Kentucky | 30 |
| Washington | 30 |
| Indiana | 29 |
| Iowa | 26 |
| Alabama | 25 |
| Massachusetts | 25 |
| Montana | 25 |
| New York | 24 |
| Connecticut | 23 |
| Mississippi | 23 |
| Utah | 23 |
| Idaho | 22 |
| New Hampshire | 21 |
| Nevada | 19 |
| Kansas | 18 |
| Oregon | 16 |
| West Virginia | 16 |
| Wyoming | 16 |
| New Mexico | 15 |
| Alaska | 14 |
| Wisconsin | 14 |
| Delaware | 13 |
| Maine | 12 |
| Nebraska | 12 |
| South Dakota | 12 |
| Arkansas | 10 |
| District of Columbia | 9 |
| Missouri | 9 |
| Hawaii | 8 |
| North Dakota | 7 |
| Vermont | 6 |
| Rhode Island | 5 |
| Florida | 3 |
Questions, answered
Can you use down payment assistance on new construction?
Yes, commonly: 1723 of the 2,700-plus programs in the catalog allow newly built homes. 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.
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?
- Can you combine down payment assistance programs?
- 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?
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