Program database

Verified first responder home loans and programs

246 published program pages with official-source evidence, repayment notes, and application-path summaries.

First Step Mortgage Revenue BondsAlabama - Multiple assistance options - Check official rulesDown payment assistance second mortgage up to the lesser of $10,000...
AHFA HomeownershipAlabama - Multiple assistance options - Multiple repayment pathsAHFA Homeownership is a statewide entry hub rather than one single...
AHFC First-Time Homebuyer Loans: First Home and First Home LimitedAlaska - Multiple assistance options - Check official rulesAHFC still offers two statewide first-time-buyer first mortgages....
Open Doors Down Payment Assistance ProgramArizona - Deferred second mortgage - Forgivable if occupancy holdsOpen Doors provides down payment and closing cost assistance up to...
Community Homebuyer Assistance Program (CHAP)Arizona - Multiple assistance options - Multiple repayment pathsCHAP has two live paths: Option 1 provides up to $50,000 in...
City of Tucson Down Payment Assistance ProgramArizona - Deferred second mortgage - Deferred due on exitUp to $50,000 or 20% of the contract sale price, whichever is less,...
City of Flagstaff Employer Assisted Housing ProgramArizona - Forgivable second mortgage - Forgivable if occupancy holdsUp to $20,000 in 2:1 matching assistance for down payment and...
Arizona is Home (ADOH Maricopa/Pima continuation)Arizona - Multiple assistance options - Occupancy-based silent secondCurrent Arizona is Home materials now split by county delivery...
City of Chandler First Time Homebuyer's ProgramArizona - Community land trust - Check official rulesThe official Chandler page describes a Community Land Trust...
Fort Smith Housing Assistance and GrantsArkansas - Multiple assistance options - Check official rulesFort Smith publishes a local umbrella path that includes...
ADFA Down Payment Assistance Loan ProgramArkansas - Deferred second mortgage - Check official rulesA statewide second-mortgage down payment and closing-cost...
ADFA HomeownershipArkansas - Multiple assistance options - Check official rulesADFA Homeownership is the statewide umbrella around the StartSmart...
ADFA StartSmart First-Time Home Buyer ProgramArkansas - Support details not yet classified - Check official rulesStatewide below-market first mortgage for first-time homebuyers,...
ADFA Move-Up Loan ProgramArkansas - Support details not yet classified - Check official rulesStatewide first mortgage for buyers who do not need a...
City of North Little Rock Homebuyer ProgramArkansas - Multiple assistance options - Check official rulesNorth Little Rock's official page publishes a local affordable-home...
Placer County Workforce Housing Preservation ProgramCalifornia - Grant - Check official rulesCurrent Placer County materials say the funded East Placer track...
San Luis Obispo County Assist-to-Own Down Payment Assistance ProgramCalifornia - Multiple assistance options - Deferred due on exitCurrent County of San Luis Obispo and GSFA materials say eligible...
Tuolumne County Assist-to-Own Down Payment Assistance ProgramCalifornia - Multiple assistance options - Deferred due on exitCurrent Tuolumne County and GSFA materials say eligible county...
CalHFA Homebuyer ProgramsCalifornia - Deferred second mortgage - Deferred due on exit3.5% of the sales price or appraised value, whichever is less, for...
MyHome Assistance ProgramCalifornia - Deferred second mortgage - Repay later on triggerMyHome is a statewide deferred-payment junior loan for down payment...
metroDPAColorado - Deferred second mortgage - Deferred due on exitCurrent metroDPA materials show the baseline program at 2% to 3% of...
Pikes Peak Down Payment Assistance (PPDPA)Colorado - Forgivable second mortgage - Forgivable if occupancy holdsPPDPA can provide up to 5% of the first-mortgage loan amount as a...
El Paso County Hometown HeroesColorado - Grant - Check official rulesHometown Heroes adds an additional 1% of the total loan amount as a...
H2O: House to Homeownership Down Payment Assistance Loan ProgramColorado - Deferred second mortgage - Check official rulesBoulder says H2O provides a second loan of up to $100,000 for an...
CHFA SectionEight Homeownership and CHFA SectionEight Homeownership PlusColorado - Multiple assistance options - Multiple repayment pathsCurrent CHFA materials describe the SectionEight family as a...
CHFA SmartStep and CHFA SmartStep PlusColorado - Multiple assistance options - Multiple repayment pathsCurrent CHFA materials describe SmartStep as a 30-year fixed...
CHFA FirstGeneration ProgramColorado - Deferred second mortgage - Occupancy-based silent secondCurrent CHFA materials describe FirstGeneration as a 30-year fixed...
CHFA FirstStep and FirstStep PlusColorado - Multiple assistance options - Deferred due on exitCurrent CHFA materials describe FirstStep as CHFA's lowest-rate FHA...
Colorado HFA1 and Colorado HFA1 PlusColorado - Multiple assistance options - Deferred due on exitCurrent CHFA materials describe Colorado HFA1 as a statewide...
CHFA HomeownershipColorado - Multiple assistance options - Multiple repayment pathsCHFA Homeownership is a statewide entry hub rather than one single...
CHFA Teachers Mortgage Assistance ProgramConnecticut - Support details not yet classified - Check official rulesCurrent CHFA materials say standard eligible teachers receive...
CHFA Downpayment Assistance Program (DAP)Connecticut - Low-interest second mortgage - Check official rulesCurrent CHFA materials describe DAP as a second mortgage that can...
Connecticut Police Homeownership ProgramConnecticut - Support details not yet classified - Check official rulesAn additional 0.125% off CHFA's already below-market interest rate...
CHFA Homebuyer Mortgage ProgramsConnecticut - Multiple assistance options - Multiple repayment pathsCHFA Homebuyer Mortgage Programs is a statewide entry hub rather...
Sussex County Housing Trust Fund Direct Homebuyer AssistanceDelaware - Forgivable second mortgage - Deferred due on exitUp to $20,000 in direct homebuyer assistance for settlement costs.
Delaware Diamonds DPA 2nd LoanDelaware - Forgivable second mortgage - Forgivable if occupancy holdsUp to $10,000 in down payment and closing cost assistance.
City of Wilmington Live Near Your Work Homebuyer Assistance ProgramDelaware - Grant - Check official rulesA grant of up to $4,000 toward the purchase of a home near the...
DSHA First State Home LoanDelaware - Deferred second mortgage - Repay on triggerCurrent DSHA materials describe First State Home Loan as a 0%...
Pinellas Recovers People First Homebuyer Assistance ProgramFlorida - Support details not yet classified - Check official rulesOfficial page says eligible applicants can receive up to $80,000 to...
Pinellas County Down Payment Assistance ProgramFlorida - Forgivable second mortgage - Forgivable if occupancy holdsCurrent Pinellas County materials say eligible low-income...
"Dare to Own the Dream" Homeownership ProgramFlorida - Forgivable second mortgage - Check official rulesCurrent City of Tampa materials describe tiered assistance up to...
Orlando Unlocked: Open Door ProgramFlorida - Grant - Check official rules$45,000 in down payment assistance for qualified homebuyers, plus...
Florida Hometown Heroes ProgramFlorida - Deferred second mortgage - Check official rulesBorrowers can receive up to 5% of the total first mortgage loan...
Miami-Dade County Down Payment Assistance ProgramFlorida - Deferred second mortgage - Check official rulesMiami-Dade says the county program can provide up to $35,000 as a...
Miami-Dade County Employee First-Time Homebuyer Assistance ProgramFlorida - Grant - Check official rulesEmployees may request a one-time revocable cash out of accrued...
Atlanta Housing Down Payment AssistanceGeorgia - Forgivable second mortgage - Check official rulesAtlanta Housing says eligible first-time homebuyers can receive up...
Georgia Dream Peach Advantage Loan ProgramGeorgia - Multiple assistance options - Multiple repayment pathsPeach Advantage offers optional down payment assistance from 0% to...
Georgia Dream PENGeorgia - Deferred second mortgage - Repay later on triggerPEN borrowers can receive 6% of the property purchase price, up to...
Georgia Dream Loan ProgramGeorgia - Multiple assistance options - Multiple repayment pathsGeorgia Dream pairs its statewide 30-year fixed mortgage with...
Georgia Dream Peach Plus Loan ProgramGeorgia - Multiple assistance options - Multiple repayment pathsStandard down payment assistance is 3.5% of the purchase price up...
Gwinnett County Homestretch Down Payment Assistance ProgramGeorgia - Forgivable second mortgage - Forgivable if occupancy holdsUp to $10,000 as a 0% soft second mortgage for down payment assistance.
Kauai Home Buyer Loan ProgramHawaii - Multiple assistance options - Multiple repayment pathsCurrent Kauai materials describe a primary county loan up to...
Honolulu Down Payment Loan ProgramHawaii - 0% city loan - Check official rulesCurrent Honolulu materials describe a 0% city loan of up to $40,000...
HHFDC Hale Kamaaina Mortgage ProgramHawaii - Multiple assistance options - Multiple repayment pathsCurrent HHFDC materials describe a statewide 30-year fixed first...
DHHL NAHASDA Homebuyer Financing and Down Payment AssistanceHawaii - Multiple assistance options - Multiple repayment pathsDHHL publicly describes two separate NAHASDA-supported homebuyer...
Idaho Housing Home LoansIdaho - Multiple assistance options - Check official rulesIdaho Housing's statewide home-loan platform still covers core...
City of Boise Homeownership Opportunity ProgramIdaho - Deferred second mortgage - Deferred due on exitCurrent Boise policy says fee-simple homes can receive up to...
Idaho Housing Down Payment Assistance for Idaho HomebuyersIdaho - 15-year fixed-rate second mortgage - Check official rulesCurrent Idaho Housing materials say down payment and closing-cost...
Choose Aurora Homebuyer Assistance ProgramIllinois - Multiple assistance options - Deferred due on exitAurora can combine up to $20,000 as a 0% deferred city loan, up to...
Cook County Down Payment Assistance ProgramIllinois - Forgivable second mortgage - Forgivable if occupancy holdsSubsidies equal to 5 percent of the home's sale price, up to...
University of Chicago Employer-Assisted Housing ProgramIllinois - Grant - Check official rulesCurrent University of Chicago materials say eligible employees can...
GovState Employer Assisted Housing ProgramIllinois - Forgivable second mortgage - Forgivable if occupancy holdsCurrent Governors State University materials say eligible employees...
IHDA Access Home / Access Forgivable / Access Deferred / Access RepayableIllinois - Multiple assistance options - Multiple repayment pathsIHDA currently publishes four statewide mortgage-plus-assistance...
Illinois State Treasurer Finally HomeIllinois - Support details not yet classified - Check official rulesThe Treasurer says Finally Home provides participating lenders with...
Evansville HOME Down Payment AssistanceIndiana - Forgivable second mortgage - Forgivable if occupancy holdsCurrent Evansville HOME materials say the city down payment...
IHCDA First Step statewide DPA mortgageIndiana - Deferred second mortgage - Repay later on triggerFive percent of the purchase price in non-forgivable down payment...
IHCDA Next Home for first-time and repeat buyersIndiana - Deferred second mortgage - Repay later on triggerDown payment assistance of 2.5 percent or 3.5 percent of the...
IHCDA Step Down below-market-rate mortgageIndiana - Support details not yet classified - Check official rulesA statewide 30-year fixed-rate mortgage path built around an...
Homes for IowansIowa - Deferred second mortgage - Multiple repayment pathsStatewide Iowa mortgage backbone for first-time and repeat buyers,...
FirstHome ProgramIowa - Multiple assistance options - Check official rulesStatewide Iowa first-mortgage backbone with either a $2,500...
KHRC First Time Homebuyer ProgramKansas - Forgivable second mortgage - Forgivable if occupancy holdsCurrent KHRC materials describe a 0% forgivable soft second...
Kentucky Housing Corporation (KHC) Regular Down Payment Assistance (DAP)Kentucky - Repayable 15-year second mortgage - Check official rulesCurrent KHC materials describe Regular DAP as down payment and...
Kentucky Housing Corporation (KHC) Mortgage Revenue Bond (MRB) programKentucky - Support details not yet classified - Check official rulesMRB is a statewide below-market, 30-year fixed first-mortgage path...
Kentucky Housing Corporation (KHC) Secondary Market Funding SourceKentucky - Support details not yet classified - Check official rulesSecondary Market is a statewide 30-year fixed first-mortgage...
LHC MRB Home ProgramLouisiana - Grant - Check official rulesCurrent official HOME/MRB guidelines show grant assistance equal to...
LHC MRB Assisted ProgramLouisiana - Forgivable second mortgage - Forgivable if occupancy holdsCurrent MRB Assisted guidelines describe 4% of the final loan...
Louisiana Housing Corporation Keys for ServiceLouisiana - Forgivable second mortgage - Forgivable if occupancy holdsCurrent Louisiana Housing materials say eligible borrowers can...
Jefferson Parish First-Time Homebuyer Assistance ProgramLouisiana - Forgivable second mortgage - Check official rulesCurrent Jefferson Parish materials say eligible buyers can receive...
MaineHousing Pre-1976 Mobile Home Replacement InitiativeMaine - Multiple assistance options - Check official rulesCurrent MaineHousing materials describe the initiative as an...
MaineHousing First Generation ProgramMaine - Multiple assistance options - Check official rulesCurrent MaineHousing materials describe the First Generation...
MaineHousing SaluteME and Salute Home AgainMaine - Multiple assistance options - Check official rulesCurrent MaineHousing materials describe SaluteME and Salute Home...
MaineHousing First Home Loan plus AdvantageMaine - Multiple assistance options - Multiple repayment pathsCurrent MaineHousing materials describe First Home as a low...
Montgomery Employee Down Payment Assistance Loan (MEDPAL)Maryland - Deferred second mortgage - Forgivable if occupancy holdsCurrent MMP materials say approved Montgomery County employees may...
Prince George's County Pathway to PurchaseMaryland - Forgivable second mortgage - Forgivable if occupancy holdsUp to $50,000 in down payment and closing costs toward the purchase...
Frederick County Homebuyer Assistance Program (HAP)Maryland - Deferred second mortgage - Deferred due on exitCurrent Frederick County HAP materials show up to $10,000 for...
Frederick County House Keys 4 Employees (HK4E)Maryland - Deferred second mortgage - Deferred due on exitFrederick County matches the Maryland Mortgage Program $8,500...
Baltimore Homeownership Incentive Program (B-HIP)Maryland - Multiple assistance options - Multiple repayment pathsCurrent Baltimore City materials describe a menu of assistance...
Baltimore City Employee Homeownership ProgramMaryland - Forgivable second mortgage - Forgivable if occupancy holdsThe current Baltimore City incentives page lists a $5,000 citywide...
First-Time Homebuyers Incentive Program (FTHIP)Maryland - Forgivable second mortgage - Forgivable if occupancy holdsCurrent Baltimore City materials describe FTHIP as 50% of required...
Maryland Employee Offers (Maryland Mortgage Program)Maryland - Deferred second mortgage - Deferred due on exitActive State of Maryland employees can receive $6,000 plus $2,500...
Maryland Mortgage Program 1st Time AdvantageMaryland - Multiple assistance options - Deferred due on exitThe official 1st Time Advantage page describes multiple options: a...
Maryland Mortgage Program Flex LoansMaryland - Multiple assistance options - Deferred due on exitVaries by Flex product: Flex 6000 provides a $6,000 down payment...
Live Near Your WorkMaryland - Grant - No repaymentBaltimore City matches participating employers' contributions...
Maryland HomeCredit ProgramMaryland - Mortgage tax credit - Check official rulesA federal tax credit equal to 25% of the borrower's annual mortgage...
Cambridge HomeBridgeMassachusetts - Discount or silent second - Check official rulesCity purchase support tied to the unit size. Current Cambridge...
ONE MortgageMassachusetts - Multiple assistance options - Check official rulesONE Mortgage remains a statewide low-down-payment first mortgage...
Boston Co-Purchasing Housing Pilot ProgramMassachusetts - Deferred second mortgage - Deferred due on exitEligible households earning up to 100% of AMI may receive up to...
Boston First-Time Homebuyer ProgramMassachusetts - Grant - Check official rulesFor buyers with household income less than 100% of AMI, the grant...
MassHousing Homebuyer LoansMassachusetts - Multiple assistance options - Multiple repayment pathsMassHousing still publishes statewide down payment assistance up to...
Haverhill First Time Homebuyer Assistance ProgramMassachusetts - Forgivable second mortgage - Forgivable if occupancy holdsUp to $15,000 for down payment and or closing costs, including up...
MI Home LoanMichigan - Support details not yet classified - Check official rulesStatewide MSHDA first-mortgage backbone with optional MI 10K down...
City of Detroit Down Payment Assistance ProgramMichigan - Forgivable second mortgage - Check official rulesCurrent Detroit materials describe assistance of up to $25,000 for...
MSHDA MI 10K DPA LoanMichigan - Deferred second mortgage - Deferred due on exitCurrent MSHDA materials describe up to $10,000 statewide for down...
Homebuyer Assistance FundMichigan - Forgivable second mortgage - Check official rulesThe Homebuyer Assistance Fund offers up to $7,500 for down payment,...
Oakland County Treasurer’s Homebuyer Assistance ProgramMichigan - Grant - Check official rulesCurrent county and bank materials describe a $5,000 grant, with the...
City of Saint Paul Citywide Downpayment Assistance ProgramMinnesota - Deferred second mortgage - Forgivable if occupancy holdsCurrent Saint Paul materials show up to $40,000 for households at...
City of Minneapolis Down Payment AssistanceMinnesota - Deferred second mortgage - Check official rulesA no-interest 30-year deferred mortgage of up to $20,000 for...
Minnesota Housing Start Up + Deferred Payment Loan (DPL/DPL+)Minnesota - Deferred second mortgage - Deferred due on exitMinnesota Housing Start Up borrowers can pair the first mortgage...
Start UpMinnesota - Multiple assistance options - Multiple repayment pathsStatewide first-time-homebuyer mortgage path with downpayment and...
Minnesota Housing Step Up + Monthly Payment LoanMinnesota - Multiple assistance options - Check official rulesCurrent Minnesota Housing materials describe Step Up as a statewide...
Step UpMinnesota - Multiple assistance options - Check official rulesStatewide purchase or refinance mortgage path with a Monthly...
MHC Trusty10Mississippi - Multiple assistance options - Check official rules$10,000 second-mortgage assistance for down payment, closing costs,...
MHC Smart7Mississippi - Multiple assistance options - Repay later on trigger$7,000 zero-interest second mortgage for down payment, closing...
Springfield Down Payment Assistance ProgramMissouri - Forgivable second mortgage - Forgivable if occupancy holdsA local city loan up to $9,000 for down payment and closing costs.
MHDC Mortgage Credit Certificate (MCC)Missouri - Mortgage tax credit - Check official rulesA federal tax credit equal to 25% of annual mortgage interest for...
MHDC First PlaceMissouri - Multiple assistance options - Forgivable if occupancy holdsStatewide MHDC purchase mortgage with an optional 100% forgivable...
MHDC Next StepMissouri - Multiple assistance options - Forgivable if occupancy holdsStatewide MHDC purchase mortgage with an optional 100% forgivable...
Montana Board of Housing 80% Combined ProgramMontana - Multiple assistance options - Check official rulesCurrent Montana Board of Housing materials describe the 80%...
Montana Board of Housing Regular Bond Loan ProgramMontana - Support details not yet classified - Check official rulesCurrent Montana Board of Housing materials describe Regular Bond as...
City of Billings First-Time Home Buyer ProgramMontana - Deferred second mortgage - Check official rulesCurrent Billings materials show up to $15,000 for households at or...
Montana Board of Housing (MBOH) Plus 0% Deferred Down Payment Assistance ProgramMontana - Deferred second mortgage - Deferred due on exitCurrent Montana Board of Housing materials describe MBOH Plus as a...
Montana Board of Housing Bond Advantage Down Payment Assistance ProgramMontana - 15-year amortizing second mortgage - Check official rulesCurrent Montana Board of Housing materials describe Bond Advantage...
Montana Board of Housing Mortgage Credit Certificate (MCC) ProgramMontana - Mortgage tax credit - Check official rulesCurrent Montana materials describe MCC as a federal mortgage tax...
HUD Good Neighbor Next DoorNationwide - Discount or silent second - Occupancy-based silent seconddiscount of 50% from the list price of the home.
Homebuyer Assistance ProgramNebraska - 1% second mortgage with monthly repayment - Check official rulesHomebuyer Assistance Program pairs a first mortgage with a second...
Nebraska Investment Finance Authority (NIFA) Welcome HomeNebraska - Multiple assistance options - Multiple repayment pathsWelcome Home is the statewide first-mortgage path. The same...
City of Lincoln Home Ownership ProgramsNebraska - Multiple assistance options - Check official rulesDown-payment and closing-cost assistance amount varies by household...
First Home ProgramNebraska - Support details not yet classified - Check official rulesFirst Home is the statewide first mortgage-only path for buyers who...
Omaha Housing Authority Bridges to Homeownership ProgramNebraska - Multiple assistance options - Check official rulesOHA's Bridges to Homeownership Program provides monthly assistance...
Home Is PossibleNevada - Multiple assistance options - Check official rulesCurrent Nevada Housing Division materials describe Home Is Possible...
Worker AdvantageNevada - Deferred second mortgage - Repay later on triggerCurrent official materials describe $20,000 in assistance for...
Clark County Welcome Home Community Land TrustNevada - Community land trust - Ground lease and resale restrictions applyClark County CLT assistance comes through a community-land-trust...
NH Housing Purchase RehabNew Hampshire - Multiple assistance options - Check official rulesNH Housing Purchase Rehab lets buyers finance repair costs inside...
NH Housing Home PreferredNew Hampshire - Multiple assistance options - Check official rulesNH Housing Home Preferred is a statewide conventional...
Nashua First-Time Homebuyer Assistance ProgramNew Hampshire - Forgivable second mortgage - Check official rulesCurrent Nashua materials describe gap-based assistance that...
New Jersey Police and Firemen's Retirement System Mortgage ProgramNew Jersey - Support details not yet classified - Check official rulesCurrent official materials describe a 30-year fixed-rate first...
NJHMFA First-Time Homebuyer Mortgage ProgramNew Jersey - Multiple assistance options - Forgivable if occupancy holdsUp to $15,000 toward down payment and/or closing costs based on...
Trenton First-Time Homebuyer ProgramNew Jersey - Forgivable second mortgage - Check official rulesCurrent Trenton materials describe $1,000 to $15,000 in 0%...
Housing New Mexico FirstDown PlusNew Mexico - Support details not yet classified - Check official rulesCurrent public materials describe FirstDown Plus as a fixed $10,000...
Housing New Mexico FirstDown ProgramNew Mexico - Fixed-rate amortizing second mortgage - Check official rulesFirstDown provides a fixed-rate second mortgage worth 4% of the...
Housing New Mexico HomeForward DPANew Mexico - Fixed-rate amortizing second mortgage - Check official rulesCurrent public materials describe HomeForward DPA as a second...
Housing New Mexico FirstHome ProgramNew Mexico - Multiple assistance options - Check official rulesFirstHome is Housing New Mexico's statewide 30-year fixed...
Housing New Mexico HomeForward ProgramNew Mexico - Multiple assistance options - Check official rulesHomeForward is Housing New Mexico's statewide 30-year fixed...
HomeFirst Down Payment Assistance Program | NYCNew York - Forgivable second mortgage - Forgivable if occupancy holdsCurrent HPD materials describe up to $100,000, capped at 20% of the...
SONYMA Achieving the Dream ProgramNew York - Multiple assistance options - Check official rulesCurrent SONYMA materials describe Achieving the Dream as the...
SONYMA Conventional Plus Program and FHA Plus ProgramNew York - Multiple assistance options - Forgivable if occupancy holdsCurrent SONYMA materials describe the Plus family as 30-year...
SONYMA Low Interest Rate ProgramNew York - Multiple assistance options - Forgivable if occupancy holdsCurrent SONYMA materials describe the Low Interest Rate Program as...
SONYMA Credit Is Due ProgramNew York - Multiple assistance options - Multiple repayment pathsCurrent SONYMA materials describe Credit Is Due as a 30-year fixed...
SONYMA Down Payment Assistant Loan (DPAL)New York - Forgivable second mortgage - Forgivable if occupancy holdsMinimum $1,000; maximum 3% of the purchase price up to $15,000, or...
SONYMA Homes for Veterans ProgramNew York - Multiple assistance options - Forgivable if occupancy holdsCurrent SONYMA materials describe Homes for Veterans as a 30-year...
SONYMA RemodelNYNew York - Multiple assistance options - Multiple repayment pathsCurrent SONYMA materials describe RemodelNY as...
Choose AlbanyNew York - Deferred second mortgage - Deferred due on exitChoose Albany offers 5% of the purchase price up to $8,500 for down...
HCR Homebuyers / SONYMA statewide hubNew York - Multiple assistance options - Multiple repayment pathsHCR Homebuyers is a statewide SONYMA entry hub rather than one...
Buncombe County supported Downpayment AssistanceNorth Carolina - Deferred second mortgage - Repay later on triggerCurrent Buncombe County materials describe county-supported...
City of Durham Down Payment Assistance ProgramNorth Carolina - Forgivable second mortgage - Forgivable if occupancy holdsUp to $80,000 in down payment and closing cost assistance for...
House Charlotte Program 1ANorth Carolina - Forgivable second mortgage - Forgivable if occupancy holdsUp to $80,000 total: a base amount up to $30,000 plus a buyer match...
City of Raleigh Homebuyer AssistanceNorth Carolina - Multiple assistance options - Forgivable if occupancy holdsTraditional Homebuyer Assistance offers up to $45,000 for eligible...
Community Partners Loan Pool (CPLP)North Carolina - Multiple assistance options - Deferred due on exitCurrent NCHFA materials say CPLP can provide up to 25% of the sales...
Forsyth County Affordable Home Ownership Program (AHOP)North Carolina - Deferred second mortgage - Deferred due on exitUp to $40,000 or 25% of the sales price, whichever is less, from...
Housing Connect GSO Public Service Heroes Homebuyer AssistanceNorth Carolina - Forgivable second mortgage - Forgivable if occupancy holdsCurrent Greensboro materials describe Public Service Heroes...
House Charlotte Program 1BNorth Carolina - Forgivable second mortgage - Forgivable if occupancy holdsUp to $30,000 total: a base amount up to $10,000 plus a buyer match...
House Charlotte Program 1B Employee ExemptionNorth Carolina - Forgivable second mortgage - Forgivable if occupancy holdsUp to $30,000 with no match required for eligible Program 1B...
Greensboro Homebuyer Assistance ProgramNorth Carolina - Multiple assistance options - Check official rulesMixed by track: the base track offers up to $25,000 plus a $5,000...
NC Home Advantage MortgageNorth Carolina - Multiple assistance options - Check official rulesStable, fixed-rate mortgages with down payment assistance up to 3%...
City-Wide Homebuyer Assistance ProgramNorth Carolina - Forgivable second mortgage - Check official rulesCurrent City of High Point materials describe assistance up to...
NC Home Advantage Tax Credit / Mortgage Credit Certificate (MCC)North Carolina - Mortgage tax credit - Check official rulesA federal tax credit equal to 30% of annual mortgage interest on...
House Charlotte ProgramNorth Carolina - Multiple assistance options - Check official rulesCurrent House Charlotte materials describe three lanes: Program 1A...
North Dakota Primary Residence CreditNorth Dakota - Property tax credit - Check official rulesA statewide annual property-tax credit of up to $1,600 against the...
ND Housing DCANorth Dakota - Grant - Check official rulesThree percent of the first mortgage loan amount as a credit toward...
ND Housing FirstHome programNorth Dakota - Multiple assistance options - Check official rulesStatewide first-time-homebuyer mortgage backbone with optional DCA...
ND Housing HomeAccess programNorth Dakota - Multiple assistance options - Check official rulesStatewide special-eligibility mortgage path with optional DCA or...
ND Housing North Dakota Roots programNorth Dakota - Multiple assistance options - Check official rulesStatewide repeat-buyer and above-limit mortgage path with optional...
ND Housing StartNorth Dakota - Grant - Check official rulesThree percent of the first mortgage loan amount as a credit toward...
OHFA Down Payment AssistanceOhio - Forgivable second mortgage - Forgivable if occupancy holdsCurrent OHFA materials say borrowers can receive 3% of purchase...
OHFA Homebuyer ProgramOhio - Multiple assistance options - Check official rulesOHFA Homebuyer Program is a 30-year fixed first mortgage rather...
Ohio HeroesOhio - Multiple assistance options - Multiple repayment pathsBorrowers can choose 3% for conventional loans or 3.5% for...
Cincinnati American Dream Downpayment InitiativeOhio - Forgivable second mortgage - Forgivable if occupancy holdsCurrent Cincinnati buyer materials show $10,000 for households at...
American Dream Downpayment Initiative (ADDI)Ohio - Forgivable second mortgage - Forgivable if occupancy holdsCurrent Columbus ADDI materials describe assistance up to 6% of the...
OHFA Dream products for first-time and repeat buyersOklahoma - Multiple assistance options - Deferred due on exitCurrent OHFA Dream products include statewide Dream Government and...
OHFA Homebuyer Down Payment AssistanceOklahoma - Multiple assistance options - Occupancy-based silent secondOHFA says Oklahoma homebuyers can receive up to 3.5% of the total...
OHFA ShieldOklahoma - Multiple assistance options - Multiple repayment pathsEligible Shield borrowers receive a 0.125% reduction from OHFA's...
Oklahoma City HOME DPAOklahoma - Forgivable second mortgage - Forgivable if occupancy holdsA forgivable HOME-backed loan up to $18,000, with an additional...
NeighborImpact Down Payment Assistance ProgramOregon - Deferred second mortgage - Check official rules最高 `20% of purchase price`；是与第一按揭配套的第二笔贷款，`up to 30 years`、`fully...
OHCS Flex LendingOregon - Multiple assistance options - Check official rulesOHCS Flex Lending is a statewide first-mortgage family made up of...
Turn The Key (TTK)Pennsylvania - Multiple assistance options - Forgivable if occupancy holdsCurrent PHDC materials say eligible first-time homebuyers can...
1st Home Allegheny ProgramPennsylvania - Forgivable second mortgage - Check official rulesCurrent Allegheny County Phase 2 materials describe fixed 0%...
Down Payment and Closing Cost Assistance ProgramPennsylvania - Forgivable second mortgage - Forgivable if occupancy holdsCurrent URA materials say buyers below 80% AMI can receive up to...
Philly First HomePennsylvania - Grant - Check official rulesCurrent official materials show up to $10,000 or 6% of the purchase...
PHFA Employer Assisted Housing (EAH) InitiativePennsylvania - Deferred second mortgage - Check official rulesEligible employees of participating PHFA EAH employers can receive...
PHFA Home Purchase LoansPennsylvania - Multiple assistance options - Multiple repayment paths$500 PHFA Grant for HFA Preferred borrowers; Keystone Advantage up...
Pilot Home Buying ProgramPennsylvania - Support details not yet classified - Check official rulesThis pilot does not publish a fixed grant or loan amount. Instead,...
RIHousing 15kDPARhode Island - Deferred second mortgage - Deferred due on exitCurrent RIHousing materials describe $15,000 statewide for down...
RIHousing HomeSecure GrantRhode Island - Grant - Check official rulesCurrent RIHousing materials describe HomeSecure as an emergency...
Palmetto Home AdvantageSouth Carolina - Forgivable second mortgage - Forgivable if occupancy holdsForgivable down payment assistance of 0%, 3%, or 4% of the loan...
Richland County Homeownership Assistance ProgramSouth Carolina - Forgivable second mortgage - Forgivable if occupancy holdsA deferred forgivable loan of up to $24,500 for down payment and...
Palmetto Heroes 2026South Carolina - Forgivable second mortgage - Deferred due on exit$10,000 in down payment assistance for eligible Palmetto Heroes...
SC Mortgage Tax Credit ProgramSouth Carolina - Mortgage tax credit - Check official rulesCurrent SC Housing materials describe a Mortgage Credit Certificate...
SC Housing Homebuyer ProgramSouth Carolina - Forgivable second mortgage - Forgivable if occupancy holdsSC Housing's statewide bond homebuyer line offers forgivable down...
Sioux Falls Public Safety Down Payment Assistance ProgramSouth Dakota - Forgivable second mortgage - Forgivable if occupancy holdsA forgivable local loan up to $20,000 or 20 percent of the purchase...
Fixed Rate Plus Downpayment AssistanceSouth Dakota - Deferred second mortgage - Deferred due on exitThree percent or five percent of the first mortgage loan amount for...
Repeat Homebuyer Loan ProgramSouth Dakota - Support details not yet classified - Check official rulesStatewide repeat-buyer mortgage path with published downpayment and...
SD Housing First-Time Homebuyer ProgramSouth Dakota - Support details not yet classified - Check official rulesStatewide SD Housing first-mortgage backbone for first-time buyers,...
SD Housing Tax Credit (MCC)South Dakota - Mortgage tax credit - Check official rulesA statewide mortgage tax credit that lets an eligible borrower use...
Clarksville first-time homebuyers down payment assistanceTennessee - Support details not yet classified - Check official rulesUp to $25,000 in assistance, subject to funding availability and...
Homeownership for HeroesTennessee - Multiple assistance options - Multiple repayment pathsHomeownership for Heroes is a reduced-rate Great Choice...
THDA Great Choice Plus Down Payment AssistanceTennessee - Multiple assistance options - Multiple repayment pathsCurrent THDA materials describe two Great Choice Plus second-loan...
Memphis firefighter homebuyer incentive DPATennessee - Support details not yet classified - Check official rulesUses City DPA funds for down payment and closing-cost help. The...
Memphis police homebuyer incentive DPATennessee - Support details not yet classified - Check official rulesUses City DPA funds for down payment and closing-cost help. The...
Memphis school employee homebuyer incentive DPATennessee - Support details not yet classified - Check official rulesUses City DPA funds for down payment and closing-cost help. The...
THDA Great Choice Home LoanTennessee - Support details not yet classified - Check official rulesTHDA Great Choice Home Loan is a 30-year fixed statewide first...
Homes for Texas Heroes Mortgage Credit CertificateTexas - Mortgage tax credit - No repayment15% of annual mortgage interest paid as a federal tax credit; for...
Hill Country Home Down Payment Assistance ProgramTexas - Forgivable second mortgage - Forgivable if occupancy holdsEither 4%, 5%, or 6% of the initial principal balance of the...
TDHCA My First Texas HomeTexas - Multiple assistance options - Forgivable if occupancy holdsUp to 5% of the mortgage loan for down payment and closing cost...
Harris County Down Payment Assistance Program (DAP)Texas - Forgivable second mortgage - Occupancy-based silent secondUp to $40,000 per qualifying household. After deducting the maximum...
Fort Worth Homebuyer Assistance Program (HAP)Texas - Forgivable second mortgage - Forgivable if occupancy holdsUp to $25,000 toward down payment and closing costs for qualifying...
Homes for Texas Heroes ProgramTexas - Multiple assistance options - Multiple repayment pathsCurrent TSAHC materials describe a 30-year fixed first mortgage...
UHC Down Payment Assistance Subordinate Mortgage (DPA Second)Utah - Multiple assistance options - Multiple repayment pathsTwo statewide second-mortgage paths: a Traditional DPA loan up to...
Utah First-Time Homebuyer Law Enforcement Officer Assistance ProgramUtah - Support details not yet classified - Forgivable if occupancy holdsProgram amount: up to $25,000. It may be used for down payment,...
First-Time Homebuyer Assistance Program under Utah Code 63H-8-502Utah - Deferred second mortgage - Deferred due on exitUp to $20,000 in assistance for down payment, closing costs, and/or...
VHFA Other Special Programs (Housing Our Workforce)Vermont - Grant - Check official rulesCurrent official materials show Housing Our Workforce can provide...
VHFA HomebuyersVermont - Multiple assistance options - Multiple repayment pathsVHFA Homebuyers is a statewide entry hub rather than one single...
Winooski Housing Trust Fund homebuyer assistanceVermont - Multiple assistance options - Multiple repayment pathsCurrent Winooski materials show up to $5,000 in DPA plus up to...
Prince William Area First Time Homebuyers Program (FTHB)Virginia - Deferred second mortgage - Check official rulesDown payment and closing cost assistance between 23% and 33% of the...
Moderate-Income Purchase Assistance Program (MIPAP)Virginia - Deferred second mortgage - Check official rulesCurrent Arlington County materials say MIPAP offers a...
Virginia Housing Closing Cost Assistance GrantVirginia - Grant - No repaymentUp to 2% of the home's purchase price for closing costs, RHS...
DHCD statewide HOMEownership DPA and Pilot DPAVirginia - Multiple assistance options - Check official rulesThe official DHCD page describes two paths: the HOMEownership Down...
Henrico County Employee Home Purchase Assistance Program (EHPAP)Virginia - Forgivable second mortgage - Forgivable if occupancy holdsThe official Henrico County page says eligible employees may...
Alexandria Employee Homeownership Incentive Program (EHIP)Virginia - Deferred second mortgage - Check official rulesAn interest-free, deferred payment loan of up to $15,000 for...
Low-Interest Mortgage Program (SPARC)Virginia - Support details not yet classified - Check official rulesEligible buyers receive a 1% interest-rate reduction on Virginia...
Workforce Dwelling Unit (WDU) Homebuyer ProgramVirginia - Support details not yet classified - Check official rulesAccess to below-market Workforce Dwelling Unit homes for qualified...
Henrico County First Time Homebuyers Downpayment and Closing Cost AssistanceVirginia - Forgivable second mortgage - Check official rulesFinancial assistance for downpayment and closing costs is available...
Virginia Housing Down Payment Assistance GrantVirginia - Grant - No repaymentThe official Virginia Housing consumer page describes a down...
Bellingham Downpayment Assistance ProgramWashington - Deferred second mortgage - Deferred due on exitUp to $40,000 in downpayment assistance at 3% simple interest for...
ARCH East King County DPAWashington - Deferred second mortgage - Deferred due on exitUp to $30,000 in downpayment assistance at 4% simple interest for...
Home AdvantageWashington - Multiple assistance options - Deferred due on exitHome Advantage pairs with current statewide downpayment-assistance...
Cabell-Huntington-Wayne Homebuyer Assistance ProgramWest Virginia - Forgivable second mortgage - Forgivable if occupancy holdsOfficial city materials say the program can provide up to 25% of...
Low Down Home LoanWest Virginia - 15-year fixed-rate second mortgage - Check official rulesCurrent WVHDF materials describe up to $12,000 for down payment and...
City of Madison Home-Buy the American Dream (HBAD)Wisconsin - Deferred second mortgage - Check official rulesDown payment and closing cost assistance up to $35,000 for an...
City of Milwaukee Homebuyer Assistance Program (HBA)Wisconsin - Forgivable second mortgage - Forgivable if occupancy holds0% forgivable second-mortgage loans of up to $35,000 for...
City of Racine Employee Homebuyer Assistance ProgramWisconsin - Forgivable second mortgage - Forgivable if occupancy holds$1,000 to $10,000 in down payment and closing-cost assistance, with...
Milwaukee Home Down Payment Assistance ProgramWisconsin - Grant - Check official rulesForgivable grants up to $5,000 for a home purchase in Milwaukee...
WHEDA Tax Advantage / Mortgage Credit Certificate (MCC)Wisconsin - Mortgage tax credit - Check official rulesCurrent WHEDA materials describe Tax Advantage as a federal...
WHEDA Advantage Conventional or FHA with Easy Close DPAWisconsin - Deferred second mortgage - Check official rulesWhen paired with a WHEDA first mortgage, Easy Close down payment...
Welcome Home WyomingWyoming - Deferred second mortgage - Deferred due on exitWelcome Home Wyoming offers a 30-year fixed first mortgage plus a...
WCDA Home$tretch and Amortizing DPAWyoming - Multiple assistance options - Multiple repayment pathsCurrent WCDA materials describe two statewide second-lien DPA...
WCDA Standard First-Time HomebuyerWyoming - Support details not yet classified - Check official rulesWCDA Standard First-Time Homebuyer offers low fixed interest rates...

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