Common questionCommon question
When do you have to repay down payment assistance?
Short answer
2094 of the 2,700-plus programs in the catalog publish an explicit repayment trigger — the event that causes the balance to come due. They are recorded in 51 states and territories.
By the numbers
programs publishing a repayment trigger
- States and territoriesStates and territories with one
- 51
- Open nationwideOpen nationwide
- 50
- Grants or forgivableGrants or forgivable loans
- 1,134
- Deferred second loansDeferred second loans
- 662
- Ask for a homebuyer classAsk for a homebuyer class
- 1,814
- No first-time ruleNo first-time requirement
- 552
Hey Prescott catalog of 2,000+ programs. Types are as each program record labels them.
What to know
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.
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 publishing a repayment trigger, leaving out the 50 nationwide programs.51 states and territories have at least one. Each links to that state’s full directory. Counts leave out the 50 nationwide programs that count here, which apply in every state.
| State | Programs publishing a repayment trigger |
|---|---|
| California | 311 |
| Florida | 153 |
| Texas | 104 |
| Colorado | 87 |
| Maryland | 78 |
| Pennsylvania | 71 |
| Minnesota | 67 |
| Virginia | 66 |
| Ohio | 56 |
| New York | 55 |
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.