Jackson · Hinds County
Homebuyer Assistance Program
Deferred second loan · 80% of area median income
Programs by loan typePrograms by loan type · Mississippi
Down payment assistance you can pair with a VA loan in Mississippi
11 programs name VA loans: 1 city, 2 county or regional, 8 statewide.11 programs in Mississippi name VA loans among the first mortgages they can be paired with: 1 run by a city, 2 by a county or regional agency and 8 open statewide.
Two approvals, made separately. The lender underwrites the VA loan; the program reviews its own application, and the lender must also accept the assistance. The loan type is one rule among several.The lender underwrites the VA loan; the assistance program reviews its own application. A program naming VA means the two can be combined, and the lender must also accept the assistance as a source of funds. The loan type is one rule among several.
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The 11 programs, closest first
From one city out to the whole state
Listed A–Z within each group, not ranked.A city program covers homes inside that city; a county or regional program, homes in its area; a statewide program, an eligible home anywhere in Mississippi. Listed A–Z within each group, not ranked.
In a Mississippi city 1 program
For homes inside that city’s limits onlyIn a county or region 2 programs
For homes anywhere in the county or the counties namedMultiple County
Housing Assistance for Teachers (HAT)
Assistance grant
Forrest, Harrison, Hinds, Lee County
RCLF Grow Homeownership Mississippi
Deferred second loan · 100% of area median income
Anywhere in Mississippi 8 programs
Can sit alongside a city or county program where both allow it- Easy8Deferred second loan · First-time homebuyers
- FHLB Dallas Homebuyer Equity Leverage Partnership (HELP)Up to $20,000 · Assistance grant · First-time homebuyers
- FHLB Dallas Housing Assistance for Veterans (HAVEN)Up to $25,000 · Assistance grant · First-time homebuyers
- Home4AllUp to $25,000 · Assistance grant · First-time homebuyers
- JustRateFirst mortgage · First-time homebuyers
- Smart7Deferred second loan
- Trusty 10 Plus 2Up to $2,000 · Assistance grant · First-time homebuyers
- Trusty10Repayable second loan · First-time homebuyers
Nationwide 27 programs · not in the 11
Nationwide: 27 more, not in the 1127 nationwide programs that also name VA loans, each with its own area and eligibility rules
- American Pacific Mortgage Pathway DPA
- Chase Bank Homebuyer Grant
- Chico Rancheria Housing Corporation Homebuyer Assistance
- Confederated Tribes of Grand Ronde Down Payment Assistance
- Essex Mortgage 10 Year Amortized 2 Plus
- Essex Mortgage Forgivable/Deferred Program
- Fairway Independent Mortgage Corporation Affordable Housing
- Fairway Independent Mortgage Corporation HOPER's Incentive Program
- Flagstar - Flagstar Gift Program
- Great Nevada Mortgage Middle-Income Downpayment Assistance Grants
- Land Home Financial Services, Inc. House2Home Program
- Lennar Mortgage Advantage Plus Program
- MEP Advantage DPA Program
- National Homebuyers Fund (NHF) - Data Mortgage, Inc. dba Essex Mortgage Deferred Down Payment Assistance Program
- North Fork Rancheria Indian Housing Authority Down Payment Assistance Program
- Northern Circle Indian Housing Authority Down Payment Assistance
- Primary Residential Mortgage Down Payment Program
- Primary Residential Mortgage Inc. Welcome Home Down Payment Assistance Program
- Siletz Tribal Housing Department Down Payment Assistance
- Susan's Savings First Time Home Buyers Program
- Tyndall Federal Credit Union $1,000 Off Closing Cost
- Tyndall Federal Credit Union $450 Closing Cost
- U.S. Department of Housing and Urban Development HCV Homeownership Program
- U.S. Department of the Interior Indian Affairs Down Payment Assistance
- U.S. Department of Veterans Affairs Native American Direct Loan
- U.S. Department of Veterans Affairs Specially Adapted Housing (SAH) Grant
- U.S. Department of Veterans Affairs VA-backed Purchase Loan
- All nationwide programs →
What to know
What the 11 records say
From each program’s own record. The agency decides who can use it.Counted from each program’s own record. A program’s agency decides who can use it.
- 10 of 11
ask for a homebuyer education class.
- 9 of 11
are limited to first-time homebuyers, as each program defines it.
- 5 · 4 · 1
are assistance grants, deferred second loans and first mortgages. The other 1 is 1 repayable second loan.
Free help in MississippiFree help in Mississippi
24 HUD-approved counseling agencies in Mississippi24 HUD-approved housing counseling agencies in Mississippi
10 of 11 of these programs ask for a homebuyer class. A HUD-approved counselor teaches it and can explain how the assistance and a VA loan fit together.10 of 11 of these programs ask for a homebuyer class. A HUD-approved counselor teaches it and can explain how an assistance program and a first mortgage fit together, before you talk to a lender. Create a free account to see who’s near you.
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More of Mississippi’s programs
Questions, answered
Can down payment assistance be used with a VA loan in Mississippi?
11 programs in Mississippi name VA loans among the loan types they can be paired with. The assistance program and the first-mortgage lender underwrite separately, so a lender must also be willing to accept the assistance as a source of funds.
Does naming VA loans mean a program is open to everyone using one?
No. The loan type is one eligibility rule among several — income limits, purchase price caps, credit requirements and occupancy rules all still apply, and each program sets its own.
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.
Programs and counts: Hey Prescott program records, each verified with its administering agency (June–July 2026). Counselors: HUD housing counseling agency list. Hey Prescott is not a lender.