Program database
15 published program pages with official-source evidence, repayment notes, and application-path summaries.
Connecticut
Amount: An additional 0.125% off CHFA's already below-market interest rate loans.
Repayment: Standard first-mortgage repayment applies. The official page describes an interest-rate discount and separately notes a possible federal recapture tax if the home is sold within the first nine years and other conditions are met.
Delaware
Amount: Up to $10,000 in down payment and closing cost assistance.
Repayment: The loan balance is forgiven by 10% for each year the homeowners reside in the property as their primary residence, and it is fully forgiven after 10 years.
Florida
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.
Georgia
Amount: PEN borrowers can receive 6% of the property purchase price, up to $12,500, in down payment assistance.
Repayment: The Georgia Dream second mortgage carries 0% interest with no monthly payment and becomes due when the home is sold or transferred, the first mortgage is refinanced, or the property stops being the borrower's principal residence.
Georgia
Amount: Standard down payment assistance is 3.5% of the purchase price up to $10,000; PEN and CHOICE assistance is 4% of the purchase price up to $12,500, whichever is less.
Repayment: The Peach Plus first mortgage is a 30-year fixed loan. If Georgia Dream down payment assistance is used, it is a deferred second mortgage that becomes due when the home is sold or transferred, the first mortgage is refinanced, or the property is no longer the borrower's principal residence.
Nationwide
Amount: discount of 50% from the list price of the home.
Repayment: Eligible buyers must live in the property for 36 months as their principal residence. HUD requires that you sign a second mortgage and note for the discount amount. No interest or payments are required on this "silent second" provided that you fulfill the three-year occupancy requirement.
Nevada
Amount: $20,000 in downpayment assistance. The funds can be applied fully toward the down payment, or used to buy down the principal loan's interest rate with any remaining funds used toward the down payment and/or closing costs.
Repayment: Downpayment assistance is provided in the form of a no-interest, no-payment, non-forgivable 30-year second mortgage.
New Jersey
Amount: Current rate is based on the 10-year Treasury bill plus 1%, and the maximum mortgage amount is determined by Fannie Mae.
Repayment: Standard first-mortgage repayment applies. The borrower must occupy the residence as a principal residence within 120 days of closing and remain there for the life of the loan.
Ohio
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.
Oklahoma
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.
South Carolina
Amount: The DPA is $10,000 which can be used to cover the borrower's down payment, closing cost and prepaid items only.
Repayment: The DPA is a 15-year forgivable zero percent interest second mortgage. DPA must be paid in full upon sale, refinance, or if property is no longer the borrower's primary residence prior to maturity.
Tennessee
Amount: Homeownership for Heroes is a reduced-rate Great Choice first-mortgage program for eligible hero borrowers. If a borrower also chooses Great Choice Plus, THDA offers an optional second-loan down payment assistance add-on with either $6,000 as a deferred forgivable second mortgage at 0% interest or up to 5% of the sales price, capped at $15,000, as a 30-year amortizing second mortgage at the same interest rate as the first mortgage.
Repayment: The Homeownership for Heroes first mortgage is repaid under standard Great Choice loan terms. If Great Choice Plus is added, the deferred option has no monthly payments, carries 0% interest, is forgiven at the end of the 30-year term, and becomes due in full if the home is sold or refinanced before then. The amortizing option is repaid with monthly payments over 30 years at the same interest rate as the first mortgage.
Texas
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.
Texas
Amount: Provides mortgage loan funding plus down payment assistance; the exact amount depends on the participating loan option.
Repayment: Grant funds do not need to be repaid. The deferred forgivable second lien loan is repaid only if the borrower sells or refinances within three years.
Utah
Amount: Program amount: up to $25,000. It may be used for down payment, closing costs, mortgage insurance, or mortgage interest rate buydown.
Repayment: No payment or interest applies. A pro-rata portion is forgiven over 5 years while the officer remains employed in Utah as a law enforcement or correctional officer and occupies the home as a primary residence. If the home is sold before 60 months and the officer continues to be an eligible employee, no amount is due at sale. If the home is sold before 60 months and the officer is no longer an eligible employee, the required prorated amount is due in cash at sale. If the officer leaves eligible employment while still owning the home, the required prorated amount is repaid in equal monthly payments over 5 years with no interest, beginning after the 61st first-mortgage payment.