When do you have to repay down payment assistance?
2094 of the 2,700-plus programs in the catalog publish an explicit repayment trigger — the event that causes the balance to come due.
The triggers agencies publish most often are selling the home, refinancing the first mortgage, transferring title, and the home ceasing to be the owner’s primary residence. A forgivable program typically has no trigger once its forgiveness period has run. Each program page states that program’s own trigger in the agency’s wording.
State by state
51 states and territories have at least one. Each links to that state's full directory.
| State | Programs publishing a repayment trigger |
|---|---|
| California | 360 |
| Florida | 153 |
| Texas | 104 |
| Colorado | 88 |
| Maryland | 78 |
| Pennsylvania | 70 |
| Minnesota | 67 |
| Virginia | 66 |
| Ohio | 56 |
| New York | 55 |
| Oklahoma | 53 |
| New Jersey | 52 |
| Illinois | 43 |
| Georgia | 42 |
| Michigan | 42 |
| North Carolina | 42 |
| Louisiana | 40 |
| Tennessee | 39 |
| South Carolina | 36 |
| Wisconsin | 35 |
| Washington | 30 |
| Iowa | 29 |
| Connecticut | 28 |
| Montana | 28 |
| Arizona | 27 |
| Utah | 27 |
| Massachusetts | 26 |
| Indiana | 25 |
| Alabama | 23 |
| District of Columbia | 23 |
| Missouri | 23 |
| Delaware | 19 |
| New Hampshire | 19 |
| Nevada | 19 |
| Idaho | 18 |
| Kansas | 18 |
| New Mexico | 17 |
| Oregon | 17 |
| West Virginia | 16 |
| Arkansas | 15 |
| Nebraska | 15 |
| Kentucky | 14 |
| Mississippi | 14 |
| Rhode Island | 14 |
| South Dakota | 14 |
| Wyoming | 12 |
| Hawaii | 11 |
| Vermont | 11 |
| Alaska | 8 |
| Maine | 7 |
| North Dakota | 6 |
Questions, answered
When do you have to repay down payment assistance?
2094 of the 2,700-plus programs in the catalog publish an explicit repayment trigger — the event that causes the balance to come due. The triggers agencies publish most often are selling the home, refinancing the first mortgage, transferring title, and the home ceasing to be the owner’s primary residence. A forgivable program typically has no trigger once its forgiveness period has run. Each program page states that program’s own trigger in the agency’s wording.
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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