Down payment assistance programs in all 50 states

Alabama Housing Finance Authority (AHFA)

• Step UpUp to 4% of the loan amount · Assistance programDown payment assistance paired with a 30-year fixed mortgage for buyers with moderate incomes.
• Affordable Income Subsidy GrantGrant up to $10,000 · Repayable secondA non-repayable grant layered on Step Up for lower-income households, subject to funding.

Alaska Housing Finance Corporation (AHFC)

• Affordable Housing Enhanced Loan ProgramSecond mortgage for down payment/closing · Repayable secondPairs an AHFC first mortgage with a subordinate loan to reduce cash needed at closing.
• Closing Cost Assistance ProgramUp to 4% of the loan · Assistance programRate-adjusted assistance that can be applied to closing costs or the down payment.

Arizona Industrial Development Authority / Home Plus

• Home PlusUp to 5% of the loan amount · Forgivable secondStatewide DPA as a three-year forgivable second lien, available for FHA, VA, USDA and conventional loans.
• Pathway to Purchase (local)Up to 10% in eligible cities · Deferred secondDeeper assistance in targeted communities; availability rotates with funding rounds.

Arkansas Development Finance Authority (ADFA)

• ADFA Move-Up Down Payment AssistanceUp to $15,000 · Repayable secondSecond-lien assistance repayable over ten years, paired with an ADFA first mortgage.
• Arkansas Dream Down Payment InitiativeUp to 10% of the purchase price · Forgivable secondForgivable after five years for income-eligible first-time buyers.

California Housing Finance Agency (CalHFA)

• MyHome Assistance ProgramUp to 3.5% of price or appraised value · Deferred secondDeferred-payment junior loan for down payment and closing costs on a CalHFA first mortgage.
• CalHFA Dream For All Shared AppreciationUp to 20% (max $150,000) · Deferred secondShared-appreciation second loan for first-generation buyers, awarded by lottery when funded.

Colorado Housing and Finance Authority (CHFA)

• CHFA DPA GrantUp to 3% of the first mortgage · GrantA true grant with no repayment, used for down payment or closing costs.
• CHFA SecondMortgage LoanUp to 4% of the first mortgage · Deferred secondSilent second at 0% interest, due on sale, refinance or payoff of the first mortgage.

Connecticut Housing Finance Authority (CHFA)

• Down Payment Assistance Program (DAP)Minimum $3,000, no set maximum · Repayable secondLow-interest second mortgage covering down payment and closing costs.
• Time To OwnUp to $50,000 forgivable · Forgivable secondState-funded forgivable loan for first-time buyers, forgiven 10% per year.

Delaware State Housing Authority (DSHA)

• Preferred Plus2% to 5% of the loan amount · Repayable secondZero-interest second mortgage for down payment and closing costs with DSHA financing.
• First-Time Homebuyer Tax CreditUp to $2,000/year · Assistance programMortgage Credit Certificate reducing federal tax liability for the life of the loan.

Florida Housing Finance Corporation

• Florida Assist (FL Assist)Up to $10,000 · Deferred second0% deferred second mortgage repaid when the home is sold, refinanced or paid off.
• Florida Hometown HeroesUp to 5% (max $35,000) · Assistance programReduced-rate first mortgage plus DPA for eligible frontline workers and other employed Floridians.

Georgia Department of Community Affairs (Georgia Dream)

• Georgia Dream Standard DPA$10,000 · Deferred second0% deferred second mortgage due on sale or refinance, paired with a Georgia Dream first mortgage.
• Georgia Dream PEN / CHOICE$12,500 · Assistance programEnhanced assistance for protectors, educators, nurses, military and households with a disabled family member.

Hawaii Housing Finance and Development Corporation (HHFDC)

• HHFDC Down Payment Loan ProgramSubordinate loan, limits by county · Repayable secondLow-interest second mortgage for qualified first-time buyers purchasing in Hawaii.
• County of Hawaii / Honolulu DPAVaries by county · Assistance programCounty-administered assistance funded through HOME and local housing funds.

Idaho Housing and Finance Association

• Idaho Housing Second MortgageUp to 10% of the sales price · Deferred secondAmortizing second mortgage covering down payment and closing costs.
• Forgivable Loan ProgramUp to 3.5% · Forgivable secondForgiven after seven years of occupancy for income-eligible buyers.

Illinois Housing Development Authority (IHDA)

• IHDAccess Forgivable4% (up to $6,000) forgivable · Forgivable secondForgiven monthly over ten years with no repayment if you stay in the home.
• IHDAccess Deferred5% (up to $7,500) · Deferred secondInterest-free deferred loan repaid when the home is sold or refinanced.

Indiana Housing and Community Development Authority (IHCDA)

• First Place (FP)Up to 6% of the purchase price · Forgivable secondDPA for FHA buyers, forgivable after the required occupancy period.
• Next HomeUp to 3.5% · Forgivable secondAvailable to first-time and repeat buyers, forgiven after two years.

Iowa Finance Authority (IFA)

• FirstHome Plus$2,500 grant or up to 5% second loan · Repayable secondChoice of a grant or second mortgage for first-time buyers using an IFA first mortgage.
• Homes for Iowans PlusUp to 5% · Assistance programAssistance available to any qualified buyer, not just first-timers.

Kansas Housing Resources Corporation (KHRC)

• First Time Homebuyer Program15% to 20% of the purchase price · Forgivable second0% forgivable loan in participating counties for buyers at or below 80% AMI.
• Kansas Housing DPA (KHRC Mortgage)Up to 5% · GrantGrant-style assistance delivered with a KHRC first mortgage statewide.

Kentucky Housing Corporation (KHC)

• Regular DAP LoanUp to $10,000 · Repayable secondRepayable second mortgage amortized over ten years at a low fixed rate.
• Affordable DAPUp to $10,000 at 1% · Assistance programLower-rate assistance for households under the program income limit.

Louisiana Housing Corporation (LHC)

• MRB Home & Assisted ProgramsUp to 4% grant · Repayable secondBond-financed first mortgage with a non-repayable DPA grant.
• Resilience Soft Second ProgramUp to $55,000 in eligible parishes · Forgivable secondDeeply subsidized soft second for low-to-moderate income buyers, forgiven over time.

MaineHousing

• Advantage$5,000 to $10,000 · Assistance programDown payment and closing cost assistance with a First Home Loan; higher amount in select areas.
• Salute ME / Salute Home AgainRate discount plus Advantage · Assistance programReduced interest rate for active-duty military and veterans, stackable with Advantage.

Maryland Department of Housing and Community Development (Maryland Mortgage Program)

• Flex 5000 / Flex 6000$5,000 to $6,000 · Deferred second0% deferred loan for down payment and closing costs with a Maryland Mortgage first loan.
• 1st Time Advantage Direct + Partner MatchVaries by employer/county · Assistance programLayered matching funds from employers, builders and local governments.

MassHousing

• MassHousing Down Payment AssistanceUp to $30,000 or 10% · Deferred secondDeferred or amortizing second mortgage; amount varies by city and income.
• ONE MortgageSubsidized rate + local DPA · Assistance programState-subsidized first mortgage with no PMI, commonly paired with municipal DPA.

Michigan State Housing Development Authority (MSHDA)

• MI 10K DPA LoanUp to $10,000 · Deferred second0% interest-free non-amortizing second mortgage available statewide.
• MI Home Loan FlexUp to $10,000 · Assistance programFlexible qualifying with DPA for first-time and repeat buyers in targeted areas.

Minnesota Housing

• Monthly Payment LoanUp to $18,000 · Repayable secondAmortizing second mortgage over ten years, paired with Start Up or Step Up first mortgages.
• Deferred Payment Loan PlusUp to $17,000 · Deferred second0% deferred loan for lower-income buyers, repaid at sale or refinance.

Mississippi Home Corporation (MHC)

• Smart Solution SecondUp to 3.5% · Repayable secondSecond mortgage covering the FHA minimum investment for first-time and repeat buyers.
• MRB7 / Housing Assistance for TeachersUp to $6,000 forgivable · Forgivable secondTargeted assistance for licensed teachers in critical shortage districts.

Missouri Housing Development Commission (MHDC)

• First Place Cash Assistance4% of the loan amount · Forgivable secondForgivable after ten years of occupancy; funds down payment and closing costs.
• Next Step Cash AssistanceUp to 4% · Assistance programAssistance for buyers above First Place income limits, including repeat buyers.

Montana Board of Housing / Montana Housing

• Bond Advantage DPAUp to $16,500 · Repayable secondSecond mortgage amortized over 15 years with a Montana Housing first mortgage.
• MBOH Plus 0% Deferred DPAUp to $16,500 · Deferred second0% deferred assistance for lower-income buyers, repaid at sale or refinance.

Nebraska Investment Finance Authority (NIFA)

• Welcome Home DPA5% (max $10,000) · Repayable secondSecond mortgage at 1% interest over ten years for down payment and closing costs.
• First Home GrantGrant funds when available · GrantPeriodic grant rounds for first-time buyers meeting NIFA income and price limits.

Nevada Housing Division (Home Is Possible)

• Home Is PossibleUp to 4% grant · Repayable secondNon-repayable grant for down payment and closing costs, no first-time buyer requirement.
• Home Is Possible For Teachers / HeroesUp to $7,500 forgivable · Forgivable secondTargeted assistance for K-12 teachers, veterans and other qualifying professions.

New Hampshire Housing

• Home Flex PlusUp to 4% cash assistance · Forgivable secondForgivable after four years, available on FHA, VA and USDA loans.
• Home First / Purchase RehabUp to $10,000 · Assistance programAdditional assistance for first-time buyers, including renovation financing options.

New Jersey Housing and Mortgage Finance Agency (NJHMFA)

• NJHMFA Down Payment Assistance$15,000 (higher in some cities) · Forgivable secondFive-year forgivable, interest-free second loan for first-time buyers.
• First-Generation Homebuyer ProgramAdditional $7,000 · Forgivable secondExtra forgivable funds for buyers whose parents never owned a home.

New Mexico Mortgage Finance Authority (MFA)

• FirstDownUp to $8,000 · Repayable secondSecond mortgage for down payment paired with FirstHome financing.
• HomeNow / DownPayment AdvantageUp to $25,000 forgivable · Forgivable secondForgivable assistance for lower-income first-time buyers, subject to funding.

State of New York Mortgage Agency (SONYMA)

• Down Payment Assistance Loan (DPAL)Up to $15,000 · Forgivable second0% forgivable after ten years, available with any SONYMA first mortgage.
• DPAL Plus ATDUp to $30,000 · Deferred secondEnhanced assistance for households at or below 60% of area median income.

North Carolina Housing Finance Agency (NCHFA)

• NC 1st Home Advantage Down Payment$15,000 · Forgivable second0% deferred second mortgage for first-time buyers and military veterans, forgiven over years 11-15.
• NC Home Advantage Mortgage DPAUp to 3% · Assistance programAssistance for move-up and first-time buyers with an NC Home Advantage first mortgage.

North Dakota Housing Finance Agency (NDHFA)

• DCA (Down Payment and Closing Cost Assistance)3% of purchase price · Repayable secondSecond mortgage with a slightly higher first-mortgage rate, for first-time buyers.
• Start Program3% forgivable-style assistance · Forgivable secondAssistance for buyers completing homebuyer education with NDHFA financing.

Ohio Housing Finance Agency (OHFA)

• Your Choice! Down Payment Assistance2.5% or 5% of the purchase price · Forgivable secondForgivable after seven years of occupancy; choose the amount that fits your rate.
• Grants for Grads2.5% or 5% forgivable · GrantFor buyers who graduated within the last four years and stay in Ohio five years.

Oklahoma Housing Finance Agency (OHFA)

• OHFA Homebuyer Down Payment Assistance3.5% grant · Repayable secondNon-repayable grant with an OHFA first mortgage; no first-time buyer requirement in most cases.
• 4Teachers / Shield (Heroes)3.5% plus rate discount · Assistance programSpecial pricing for teachers, police, firefighters and EMS statewide.

Oregon Housing and Community Services (OHCS)

• Flex Lending DPAUp to 5% · Assistance programDown payment assistance layered on an OHCS Flex Lending first mortgage.
• Oregon Bond Residential Loan Cash Advantage3% cash advantage · Assistance programCash toward closing costs and down payment with a bond-rate first mortgage.

Pennsylvania Housing Finance Agency (PHFA)

• Keystone Advantage AssistanceUp to $6,000 · Deferred second0% second mortgage repaid over ten years for down payment and closing costs.
• K-FIT (Keystone Forgivable in Ten Years)5% of the lesser of price or appraisal · Forgivable secondForgiven 10% per year over ten years with no repayment if you stay.

RIHousing

• RI Statewide DPA GrantUp to $17,500 grant · Repayable secondNon-repayable grant for first-time buyers purchasing in Rhode Island, subject to funding rounds.
• FirstGenHomeRIUp to $25,000 · Forgivable secondForgivable assistance for first-generation buyers in eligible communities.

SC State Housing Finance and Development Authority

• SC Housing Homebuyer Program DPAUp to $8,000 · Forgivable second0% forgivable second mortgage over the life of the first mortgage term.
• County First InitiativeEnhanced DPA in eligible counties · Assistance programHigher assistance and relaxed first-time buyer rules in targeted counties.

South Dakota Housing Development Authority (SDHDA)

• Down Payment Assistance (DPA)3% of the loan amount · Repayable secondSecond mortgage for down payment and closing costs with an SDHDA first mortgage.
• Community Homeownership / Repeat BuyerVaries · Assistance programAdditional options for rural buyers and previous homeowners in targeted areas.

Tennessee Housing Development Agency (THDA)

• Great Choice Plus DeferredUp to $6,000 · Deferred second0% deferred second mortgage with no monthly payment, due at sale or refinance.
• Homeownership for HeroesRate discount + DPA · Assistance programReduced rate for veterans, active military, law enforcement, EMS and teachers.

Texas Department of Housing and Community Affairs / TSAHC

• My First Texas HomeUp to 5% DPA · Assistance programTDHCA first mortgage with down payment and closing cost assistance for first-time buyers.
• TSAHC Homes for Texas Heroes / Home Sweet TexasUp to 5% grant or forgivable second · GrantStatewide assistance for teachers, first responders, veterans and moderate-income buyers.

Utah Housing Corporation (UHC)

• FirstHome / HomeAgain Second LoanUp to 6% of the first mortgage · Repayable secondSecond mortgage that can cover the entire down payment plus most closing costs.
• Score LoanUp to 6% · Assistance programAssistance option for buyers with lower credit scores using UHC financing.

Vermont Housing Finance Agency (VHFA)

• ASSISTUp to $15,000 · Deferred second0% loan for down payment and closing costs, repaid when the home is sold or refinanced.
• MOVE / MOVE MCCRate + tax credit · Assistance programBelow-market first mortgage with an optional mortgage credit certificate.

Virginia Housing

• Down Payment Assistance Grant2% to 2.5% grant · Repayable secondNon-repayable grant for first-time buyers using Virginia Housing financing.
• Closing Cost Assistance GrantUp to 2% · GrantGrant covering closing costs on eligible FHA, VA and USDA loans.

Washington State Housing Finance Commission (WSHFC)

• Home Advantage DPAUp to 4% of the loan · Deferred secondDeferred, 0% second mortgage due in 30 years or at sale or refinance.
• Opportunity / House Key Plus programs$10,000 to $15,000 · Assistance programTargeted assistance for lower-income buyers and specific counties or professions.

West Virginia Housing Development Fund

• Homeownership Program DPAUp to $10,000 · Repayable secondLow-rate second mortgage amortized over 15 years for first-time buyers.
• Movin' UpUp to $8,000 · Assistance programAssistance for moderate-income repeat buyers moving up to a new home.

Wisconsin Housing and Economic Development Authority (WHEDA)

• Capital Access Advantage$3,500 to $5,000 · Deferred second0% deferred second mortgage with no monthly payment, due at payoff.
• Easy Close DPAUp to 6% (min $1,000) · Repayable secondSecond mortgage amortized over ten years to cover down payment and closing costs.

Wyoming Community Development Authority (WCDA)

• Home$tretch Down Payment AssistanceUp to $15,000 · Repayable secondSecond mortgage at low fixed interest for down payment, closing costs and prepaids.
• Amortizing DPAUp to $15,000 · Repayable secondTen-year amortizing assistance paired with a WCDA first mortgage.

DC Housing Finance Agency / DHCD

• DC Open DoorsUp to 3.5% DPA · Forgivable secondFully forgivable second trust covering the minimum down payment on DCHFA loans.
• Home Purchase Assistance Program (HPAP)Up to $202,000 · Assistance programDeeply subsidized city assistance for income-qualified District residents.