Every stateDown payment assistance · every state

Programs you can look at in any state

62 programs aren’t tied to one place: federal programs from HUD, VA and USDA, and help from national lenders, banks and credit unions.62 programs in the catalog aren’t tied to one place: federal programs from HUD, VA and USDA, and help offered by national lenders, banks and credit unions. Your state, county and city add their own on top.

Nationwide isn’t open to everyone: a lender’s program goes with that lender, a credit union’s is for members.Nationwide doesn’t mean open to everyone. A lender program works only with that lender, a credit union program is for its members, and some programs are for specific groups. Each row says who it’s for.

See programs in my state →Jump to federal programs

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Federal agencies · 8

HUD, VA, USDA and InteriorHUD, VA, USDA and the Department of the Interior

Several are loans, not cash help.Several of these are loan programs rather than cash help, and some are for specific groups.

U.S. Department of Housing and Urban Development (HUD) Good Neighbor Next Door
Teachers, police, firefighters, healthcare workers · Forgiven over 3 yrs · Income limits
GrantSee details →
U.S. Department of Housing and Urban Development (HUD) Section 184 Indian Home Loan Guarantee Program
Tribal members · Income limits
See details →
U.S. Department of Housing and Urban Development HCV Homeownership Program
First-time homebuyers · Income limits
GrantSee details →
U.S. Department of the Interior Indian Affairs Down Payment Assistance
Tribal members · First-time homebuyers · Income limits
GrantSee details →
U.S. Department of Veterans Affairs Native American Direct Loan
Veterans and service members · Tribal members · Income limits
See details →
U.S. Department of Veterans Affairs Specially Adapted Housing (SAH) Grant
Veterans and service members · Income limits
Up to $126,526See details →
U.S. Department of Veterans Affairs VA-backed Purchase Loan
Veterans and service members · Income limits
See details →
USDA Rural Development Single Family Housing Guaranteed Loan Program
Income limit: 115% of area median income
First mortgageSee details →

Lenders and banks · 36

From a mortgage company or bankOffered by a mortgage company or bank

These go with a mortgage from that lender.These go with a mortgage from that lender, so you use the lender’s program or none. Some are limited to certain neighborhoods; the row says “Targeted areas”.

American Pacific Mortgage 1% Home Program
Income limits
GrantSee details →
American Pacific Mortgage Pathway DPA
Forgiven over 3 yrs · Income limits
DeferredSee details →
BluePoint Mortgage Zero-Down Home Loan
Income limits
See details →
BNY Down Payment Assistance
Income limits
GrantSee details →
Chase Bank Homebuyer Grant
Targeted areas · Income limits
GrantSee details →
Citibank, N.A. HomeRun Mortgage
Income limits
See details →
CrossCountry Mortgage Community Promise
Targeted areas · Income limits
GrantSee details →
CrossCountry Mortgage Non-QM loans
No published limits on file
See details →
CrossCountry Mortgage Smart Start Down Payment Assistance Program
First-time homebuyers · Targeted areas · Forgiven over 5 yrs · Income limits
ForgivableSee details →
Direct Mortgage Loans Go Direct FHA 100% Financing
Income limits
See details →
Empowered DPA Program Down Payment Assistance
Income limits
DeferredSee details →
Essex Mortgage 10 Year Amortized 2 Plus
Income limits
See details →
Essex Mortgage Forgivable/Deferred Program
Forgiven over 3 yrs · Income limits
ForgivableSee details →
Fairway Independent Mortgage Corporation Affordable Housing
Income limits
GrantSee details →
Fairway Independent Mortgage Corporation HOPER's Incentive Program
Targeted areas · Income limits
GrantSee details →
First Bank Thrive Mortgage Loan
Targeted areas · Income limits
See details →
Great Nevada Mortgage Middle-Income Downpayment Assistance Grants
First-time homebuyers · Income limits
GrantSee details →
Guild Mortgage 1% Down Program
First-time homebuyers · Income limits
See details →
Guild Mortgage 3-2-1 Home Plus Program
Forgiven over 3 yrs · Income limits
ForgivableSee details →
Guild Mortgage Doctor and Medical Professionals Program
Healthcare workers
GrantSee details →
Guild Mortgage MyPath2Own Program
First-time homebuyers · Forgiven over 5 yrs · Income limits
ForgivableSee details →
Guild Mortgage Zero Down Mortgage Program
First-time homebuyers · Targeted areas · Income limit: 120% of area median income
DeferredSee details →
HSBC Bank USA CommunityWorks
Income limits
GrantSee details →
HSBC Bank USA CommunityWorks Opening Doors Home Loan Grant
Income limits
See details →
Lakeview National Down Payment Assistance Homeownership Program
Forgiven over 3 yrs · Income limits
ForgivableSee details →
Land Home Financial Services, Inc. House2Home Program
Income limits
GrantSee details →
Lennar Mortgage Advantage Plus Program
New construction
GrantSee details →
Luminate Bank Luminate PATH National DPA Program
Forgiven over 3 yrs · Income limits
ForgivableSee details →
MEP Advantage DPA Program
Income limits
DeferredSee details →
National Homebuyers Fund (NHF) - Data Mortgage, Inc. dba Essex Mortgage Deferred Down Payment Assistance Program
Forgiven over 3 yrs · Income limits
DeferredSee details →
Northpointe Bank ONE+ Loan Program
First-time homebuyers · Income limits
See details →
PNC Bank Low to Moderate Income Borrower Grant
Income limits
GrantSee details →
PNC Bank PNC Grant
Targeted areas · Income limits
GrantSee details →
Primary Residential Mortgage Down Payment Program
Income limits
DeferredSee details →
Primary Residential Mortgage Inc. Welcome Home Down Payment Assistance Program
Forgiven over 3 yrs · Income limits
ForgivableSee details →
Rocket Mortgage ONE+ By Rocket Mortgage Program
Income limit: 80% of area median income
GrantSee details →

Credit unions · 8

For credit union membersFor credit union members

Each credit union sets who can join.Each credit union sets who can join. Check membership before you count on one of these.

America First Credit Union 100% No PMI Adjustable-Rate Mortgage
Members
First mortgageSee details →
NASA FCU $0 Down, No PMI Mortgage Purchase
Members
See details →
Navy Federal Credit Union Homebuyers Choice Loan
Veterans and service members · First-time homebuyers
See details →
Navy Federal Credit Union Military Choice Loan
Veterans and service members
See details →
State Department Federal Credit Union First-Time Homebuyer Mortgage
First-time homebuyers
See details →
Tyndall Federal Credit Union $1,000 Off Closing Cost
Members
GrantSee details →
Tyndall Federal Credit Union $450 Closing Cost
Members
GrantSee details →
Valley First Credit Union Middle Income Homebuyer Program
First-time homebuyers · Income limit: 1% of area median income
GrantSee details →

Tribal housing and nonprofits · 10

Tribal housing, NACA and othersTribal housing authorities, NACA and others

Several are for tribal members, as each program defines it.Several are for tribal members, as each program defines it. NACA programs start with NACA’s own counseling.

Chico Rancheria Housing Corporation Homebuyer Assistance
Tribal members · First-time homebuyers · Income limits
GrantSee details →
Confederated Tribes of Grand Ronde Down Payment Assistance
Tribal members · First-time homebuyers · Income limits
GrantSee details →
Flagstar - Flagstar Gift Program
First-time homebuyers · Income limits
GrantSee details →
NACA Homeownership through Public Housing Assistance (HOT-PHA)
First-time homebuyers · Income limits
GrantSee details →
NACA's New Construction Homes
New construction · Income limits
GrantSee details →
North Fork Rancheria Indian Housing Authority Down Payment Assistance Program
Tribal members · First-time homebuyers · Income limits
GrantSee details →
Northern Circle Indian Housing Authority Down Payment Assistance
Tribal members · First-time homebuyers · Income limits
GrantSee details →
Pathway Homes Essential Workers Program
Teachers, police, firefighters, healthcare workers · Income limits
Shared appreciationSee details →
Siletz Tribal Housing Department Down Payment Assistance
Tribal members · First-time homebuyers · Income limits
GrantSee details →
Susan's Savings First Time Home Buyers Program
Healthcare workers · First-time homebuyers · New construction · Income limits
GrantSee details →

No amount beside a program? We’re re-checking its published figure; the details page links to the source.No amount or type beside a program? We’re re-checking that program’s published figure against its own material. The details page links to the source. Whether a nationwide program can be combined with a state or local one is up to each program; ask before you apply.

Your state adds more

Most help comes from your state, county and city

Each state page leads with that state’s own programs, then its counties and cities, and links back here for the nationwide list.

All 50 states, DC and Puerto Rico →

Free help, in every state

1,562 HUD-approved housing counseling agencies nationwide1,562 HUD-approved housing counseling agencies nationwide

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