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The public layer got thicker, but the better change was cleanup
Since the last post, more statewide and city pages made it into the public set, but the more important work was editing discipline: refresh old details when the rules move, add new states when the sources are clean, and push conflicted pages back out of the live layer when they stop being trustworthy.
Since the last post
This was more editing than expansion, and that was the right trade
The site did grow. But most of the useful work was not greenfield publishing. It was deciding which pages deserved a refresh, which deserved promotion, and which needed to come back out of the clean public set.
The last stretch added more public pages, but the bigger improvement was that the site got less sloppy about what kind of page each record actually is. Some statewide paths were finally clean enough to publish. Some old detail pages needed new dates, new limits, or new cautions because the official rules moved. Some local records stayed summary-only because the only complete rule sheet was old and the current borrower packet still was not there.
That is the version of “progress” I want this database to keep. Bigger is fine. Cleaner is better. If the public layer gets thicker by flattening conflicts or by letting stale detail pages sit unedited, it stops being useful very quickly.
New public pages
A few additions that actually improved coverage
These were not filler pages. They added real statewide or city-level coverage where the public layer had obvious gaps.
- Alabama First Step
Alabama finally has a cleaner statewide public entry, with the first mortgage plus second-mortgage assistance structure written in a way a buyer can follow.
- Mississippi Smart7
The statewide backbone is now public with the actual amount, second-lien structure, and lender-delivered path instead of a vague mention.
- Mississippi Trusty10
The higher statewide lane is also public now, with the fixed $10,000 second-mortgage structure and target-area or veteran carve-outs written plainly.
- RIHousing 15kDPA
Rhode Island now has a clean statewide zero-interest public page instead of just a thin summary signal.
- West Virginia Low Down Home Loan
West Virginia entered the public statewide set with a true second-lien structure instead of staying invisible in the browser.
City-level thickening
Some of the best recent work was still local
The statewide pages matter, but city pages are often what make a state search feel real instead of theoretical.
- Tampa DARE
Now public with the actual AMI-based amount tiers, 20-year forgiveness, and asset rule.
- MI 10K DPA
Now public as a real repayable statewide second lien instead of a blurred add-on mention.
- Raleigh Homebuyer Assistance
Now public with the two-track amount structure instead of one flattened city number.
- Oklahoma City HOME DPA
Now public with the full amount, buydown layer, and monthly-forgiveness schedule.
- NH Housing Home Preferred
Just promoted this round, with the base mortgage and the fixed Plus cash-assistance layer finally separated cleanly from ROC-specific material.
Refresh work
The most important pages were sometimes the old ones
A page does not stay trustworthy just because it was correct last week. A few older public pages needed real surgery, not cosmetic edits.
MassHousing Homebuyer Loans is a good example. The public page still basically worked, but it was about to go stale because MassHousing had already posted a dated temporary DPA change that starts on 2026-04-27. Leaving the old “three DPA options” framing untouched would have made the page look finished while it was already drifting.
Washington Home Advantage needed a different kind of refresh. The old public copy treated the paired DPA almost like a vague placeholder. Current Washington sources are more specific than that now, so the page had to be rewritten around the real published 3%, 4%, and 5% options, plus the needs-based lane. At the same time, the income-cap mismatch across official pages had to stay visible instead of being sanded off.
This kind of work does not always raise the raw page count, but it keeps the public layer from silently decaying.
What stayed out
A stricter public layer also means saying no more often
Several records did not get promoted because the current official material still was not clean enough.
City of Columbia's employee mortgage path stayed summary-only because the live city platform is there, but the only public source with full loan structure is still an older PDF. That is not enough for a clean detail page.
Other records moved the wrong direction on purpose. Memphis stayed out because the current portal says the money is unavailable. Houston stayed under review because official pages still conflict on whether the program is actually open. Orlando stays conditional because the rules are there, but the city also says it is not accepting new applications. That is not lost progress. That is the public layer doing its job.
Where the build stands
The shape of the public set now
The counts matter less than the editorial line, but the counts do show the layer getting broader without dropping the guardrails.
Published program pages
192 program pages are now in the public set.
States with public coverage
39 states now have published public coverage.
Indexed states
25 state pages are currently eligible for indexing.
Under-review signals
41 records stay visible as under review instead of being forced into fake certainty.
The deeper research layer is still much larger at 455 tracked records. That ratio is fine. The public layer should be the cleaner subset, not the whole warehouse dumped into HTML.
Next up
What I am likely to touch next
The next useful work is not random. It is another mix of same-state thickening and a small amount of state expansion.
The most obvious next cluster is New Hampshire and Washington again, because the surrounding statewide records still have room to get cleaner without inventing new structure. After that, Tennessee still has a usable statewide backbone to tighten even though Memphis moved the other way.
The rule stays the same: keep publishing the pages that are actually stable, keep refreshing the ones whose official rules moved, and keep sending conflicted records to under review instead of letting stale detail pages pretend to be current.
Keep browsing
Where to go next
If you want to check the site itself instead of the writing around it, start here.
Programs
Browse the current public program pages directly.
States
Open the state directory to see where the public layer is thick and where it is still thin.
Methodology
Read the public methodology if you want the publishing and under-review rules.
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