Official program database | Updated 2026-04-13
Find first responder home loans and programs.
Compare first responder home loans, mortgage programs, grants, and down payment assistance by state, role, support type, repayment, and first-time buyer rules.
Filter before you read
Start with filters. States and roles shown here come from the current verified dataset.
15 verified matches
Finder results
Ranked matches from official programs
Results update from your filters and lead into the official detail page.
State and role decide fit first. Support type and repayment narrow the list.
First-time buyer filters remove bad fits. Official pages confirm the real rules.
Texas
Homes for Texas Heroes Mortgage Credit Certificate
Texas State Affordable Housing Corporation (TSAHC)
TexasMortgage tax creditNo repaymentNot required or not captured
Amount
15% of annual mortgage interest paid as a federal tax credit; for qualified Homes for Texas Heroes borrowers using MCC with TSAHC down payment assistance, the MCC is free.
Repayment
No loan repayment. Credit may be claimed each year while borrower occupies home as primary residence. If home is sold within 9 years, borrower may be subject to federal recapture tax. If borrower moves out and rents the home, the credit can no longer be claimed.
Verified match
OklahomaMultiple assistance optionsMultiple repayment pathsNot required or not captured
Amount
Eligible Shield borrowers receive a 0.125% reduction from OHFA's posted GOLD rate and access 3.50% down payment assistance when using the required OHFA Homebuyer Down Payment Assistance product.
Repayment
Standard first-mortgage repayment applies for the special-rate first mortgage. The associated down payment assistance is a 0% second mortgage with no monthly payment, and the DPA second mortgage becomes due on maturity of the first mortgage, sale or refinance of the first mortgage, or transfer of ownership or primary residency status.
Verified match
OhioMultiple assistance optionsMultiple repayment pathsNot required or not captured
Amount
Borrowers can choose 3% for conventional loans or 3.5% for government loans (FHA, VA, USDA) of the home's purchase price in optional down payment assistance.
Repayment
Standard first-mortgage repayment applies to the Ohio Heroes discounted-rate loan. If optional OHFA Down Payment Assistance is included, that assistance is forgiven after seven years; if you sell your home within seven years, you must repay all of the assistance provided.
Verified match
FloridaDeferred second mortgageRepay later on triggerFirst-time buyer required
Amount
Borrowers can receive up to 5% of the total first mortgage loan amount (maximum of $35,000/minimum of $10,000) in funds towards down payment and closing cost assistance.
Repayment
Down payment and closing cost assistance is available in the form of a 0%, non-amortizing, 30-year deferred second mortgage. This second mortgage becomes due and payable, in full, upon sale of the property, refinancing of the first mortgage, transfer of deed or if the homeowner no longer occupies the property as his/her primary residence. The Florida Hometown Heroes loan is not forgivable.
Quick answers
What buyers usually need to know first.
Use the homepage for rough answers, then confirm the real rule on the program page.
How much support is available?
Current verified programs include fixed-dollar help up to $35,000 in Florida, plus percentage-based support such as 15% of annual mortgage interest paid as a federal tax credit; for qualified Homes for Texas Heroes borrowers using MCC with TSAHC down payment assistance, the MCC is free. through Homes for Texas Heroes Mortgage Credit Certificate.
Do you have to repay first responder homebuyer assistance?
Current verified programs include no repayment, multiple repayment paths, and repay later on trigger. Always check the detail page for sale, refinance, or occupancy triggers.
Which first responder roles show up most often?
Law enforcement officers, Firefighters, Emergency medical technicians (EMTs), Paramedics, and Correctional officers appear most often in the current verified eligibility language on this site.
Where do the rules come from?
Every published program page shows the official URL, an evidence excerpt, and the last verified date.
Browse paths
Go deeper from the main hub pages.
Use the main hub types below when you want a broader directory view than the homepage finder.
Browse by state
Use state hubs when you already know where you are buying and want a fast comparison of the verified programs in that market.
Open all state pagesBrowse by role
Role pages cluster official eligibility language for police, firefighters, EMTs, paramedics, and corrections roles.
Open role pagesBrowse by support type
Support-type pages explain grant vs forgivable second vs deferred second vs silent-second structures.
Open support-type pagesBrowse by qualifier
Eligibility pages pull together first-time buyer and occupancy questions that people search before they apply.
Open eligibility pagesConnecticut
1 verified program with official-source detail pages.
Open Connecticut programsDelaware
1 verified program with official-source detail pages.
Open Delaware programsFlorida
1 verified program with official-source detail pages.
Open Florida programsWhy this site exists
Neutral, practical, and evidence-backed.
This is a program database, not a lender page and not a lead form.
Official-source summaries
Every published program keeps its official URL, evidence excerpt, and verification date.
No fake certainty
If a term is unclear in the source, the page says so instead of guessing.
Built for decision support
The goal is to help families answer eligibility, amount, repayment, and application-path questions faster.