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Author: Housing Editors

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The goal of Down Payment Assistance Programs (DAP) is to make it easier for eligible homebuyers applicants to buy a home by providing assistance with down payment, closing costs and, when required, rehabilitation costs.

 
This guide is divided in 3 section to help you learn more and get the momey needed for your house down payment.
 

 

 

Alabama Alaska Arizona Arkansas
California Colorado Connecticut Delaware
DC Florida Georgia Hawaii
Idaho Illinois Indiana Iowa
Kansas Kentucky Louisiana Maryland
Massachusetts Michigan Minnesota Mississippi
Missouri Montana Nebraska Nevada
New Hampshire New Jersey New Mexico New York
North Carolina North Dakota Ohio Oklahoma
Oregon Pennsylvania Rhode Island South Carolina
South Dakota Tennessee Texas Utah
Vermont Virginia Washington West Virginia
Wisconsin Wyoming    

 

Buying a home is a big investment, often the biggest you’ll ever do. It’s also often the biggest dream you may have. Many organizations have programs to help first-time homeowners buy their home. We put together this down payment assistance guide for you.
 
Down Payment Assistance programs are now managed by the States Housing Agencies and local organizations. Their eligibility is usually very broad as long as your income is below your local average.
 
 
 

Common Questions

 

What are the diffrent types of down payment assistance programs?

There are 4 main types of programs:
 
1- Grants: They’re “gifts” you don’t have to repay. Some down payment assistance grants comes with an interest rate a little higher (which end up covering its cost)
2- A loan, in the form of a second mortgage, that you have to repay along with your first mortgage.
3- A loan: in the form of a second mortgage, that will be forgiven after a set number of years, 5, 10, 20. You usually only have to repay it if you sell your home, refinance it or finished paying your first mortgage.
4- A loan: in the form of a second mortgage, with postponed payment until you sell your home.
 
The second mortage can sometime be interest free, a discounted rate, and sometime a little higher rate. Each programs with a second mortage varies.

 

Can only first-time home buyers benefit from down payment programs?

No. Down payments programs are mostly for firt-time buyers, but some programs are also for repeat buyers. The definition of first-time homebuyer according to HUD is defined as an individual or his or her spouse who have not owned a home prior to the ADDI funding for the past 3 years.

 

Can closing cost be used with down payment assistance money?

This is really a case by case for each program. Some down payment assistance programs allow you to use the money for your closing cost too. Some other prohibit you to use down payment assistance money for closing cost. Read your down payment assistance information well to see if closing cost can be covered or not.

 

How much can I get for my down payment?

The amount of down payment assistance vary greatly: usually the area with expensive real estate will provide a higher down payment assistance amounts.
 
Our recent study found the amount usually vary betwen $15,000 and $20,000. The average amount at closing is $6,000 and another $12,000 during the lenght of your loan.

 

Which lender will I have to use?

In general every down payment assitance programs will request you obtain your loan with an approved lender. In some cases, you will also have to sign a loan for a specific mortgage type. That been said, the mortgage tied to your down payment assistance funding is usually very flexible. After all, the goal is to help you obtain your mortage and buy your home.

 

We live in a rural area, is there down payment assistance for us?

Yes, in general down payment assistance programs are available in rural counties. That been said the USDA mortgage’s programs offers 100% financing (which mean you don’t need a down payment).

 

 

Federal Down Payment Programs     

or

 


American Dream Down Payment

4 votes, average: 4.50 out of 54 votes, average: 4.50 out of 54 votes, average: 4.50 out of 54 votes, average: 4.50 out of 54 votes, average: 4.50 out of 5 (4 votes, average: 4.50 out of 5, rated)
 

The ADDI is geared towards low income families, individuals and minorities trying to purchase their first home by assisting with the initial up-front fees of down payment, closing costs and repairs.

Housing Choice Voucher

5 votes, average: 3.60 out of 55 votes, average: 3.60 out of 55 votes, average: 3.60 out of 55 votes, average: 3.60 out of 55 votes, average: 3.60 out of 5 (5 votes, average: 3.60 out of 5, rated)
 

Housing Choice Voucher let you use your section 8 funds toward a downpayment and closing cost when you buy a home. Its goal is to help and incentive to encourage residents of public housing to buy their first home. One of the strategies is the possibility of converting your rent into mortgage payments.

Home Ownership Program

2 votes, average: 3.50 out of 52 votes, average: 3.50 out of 52 votes, average: 3.50 out of 52 votes, average: 3.50 out of 52 votes, average: 3.50 out of 5 (2 votes, average: 3.50 out of 5, rated)
 

For non-profit organization that support the development of housing for low income individuals and families. Potential homeowners must invest through sweat equity to obtain ownership.

 

 
 

States and Cities Down Payment Programs

 

Down payment assistance programs can be found in the states, counties, and cities below.
 
We recommend you first contact your prefered lender to see if they’ve a program available. Then you can go look at your city and county level. Local organizations sometime have their own programs to help and get the latest information about down payment assistance programs in your area.
 
We strive to maintain the list below updated but programs policies can change. We recommend you use this list as a basis for your search. There may also be new programs as we speak so the best thing is to call your state, city and local organizations to find out the latest and most current.

 
 
 

Alabama Down Payment

 
Alabama has a few down payment assistance programs for first time homeowners offered by the organization, cities and counties below.
 

Alabama Housing Finance Authority (AHFA)

“Step Up”: programs offers a program in 2 part. The 3% down payment is a 10 year 2nd mortgage and your main mortgage will have a 30 year term. Loans must be taken through AHFA’s loans or a FHA loan. You must make less than $97,300, have a credit score over 620 and 45% or lower debt to income.
 
Affordable Income Subsidy Grant: HFA Advantage product can provide to eligible homebuyers a grant for closing costs in the amount of $2,500 if you’re below 50% of the area median income or $1,500 if you’re between 50% and 80% of the area median income.
 

Cities with down payment programs

Birmingham, Decatur, Huntsville, Mobile, Montgomery, Prichard.
 

Counties with programs

Jefferson, Mobile.
 
Learn also about Federal programs and common questions.

 
 

Alaska Down Payment

 
Alaska has a few down payment programs offered by the organizations and cities below.
 

Alaska Housing Finance Corporation

Provide funding to organizations (see below) offering down payment assistance and closing cost programs.
 

Organizations

North Pacific Rim Housing Authority, North Pacific Rim Housing Authority, Alaska Community Development Corporation, Fairbanks Neighborhood Housing Services (FNHS), Interior Regional Housing Authority (IRHA), Alaska Community Development Corporation (ACDC), Ketchikan Indian Community Housing Authority.
 
NeighborWorks Alaska: Provide help with down payment assistance.
 

Cities

Anchorage, Cook Inlet Housing Authority, Fairbanks Neighborhood Housing Services.
 
Learn more

 
 

Arizona Down Payment

 
Arizona has a state wide dowm payment assistance program, and another one specifically targeting selected cities.
 

Arizona Department of Housing

Pathway to Purchase is a down payment assistance program providing 10% of cost up tp $20,000 in the following cities only: Bull Head City, Casa Grande, Glendale, Green Valley, Kingman, Phoenix, Rio Rico, Sahuarita, Sierra Vista, Tucson, Vail, Yuma.
 
HOME PLUS: is a state wide down payment and closing cost programs offeing up to 5% loan taking with the Home Plus loan.
 

Cities

El Mirage, Gilbert, Mesa, Phoenix, Peoria, Pima County, Surprise.
 
Learn also about Federal programs and common questions.

 
 

Arkansas Down Payment

 
Arkansas offers a state wide down payment assistance for eligible first time homeowners.
 

Arkansas Development Finance Authority (ADFA)

Provide up to $10,000 for down payment and closing cost assistance. This is a second mortgage with a 10-year term.
 
Dream Down Payment Initiative (ADDI) provides low income homebuyers up to 10% of the purchase price of their home, up to a maximum of $10,000. It’s a second mortgage loan with no monthly payment that is forgivable over five years.
 

Cities

Jacksonville, Jonesboro, Little Rock, Pine Bluff.
 
Learn more

 
 

California Down Payment

 
California have a down payment assistance program for firt time homeowners.
 

California Department of Housing

MyHome Assistance Program is a deferred-payment junior loan of an amount up to the lesser of 3.5% of the purchase price or appraised value to assist with down payment and/or closing costs.
 
School Teacher and Employee Assistance Program (School Program) offers a junior loans are up to 4% of the purchase price, and can only be combined with an eligible CalHFA first mortgage loan.
 

Counties

Alameda County, Amador County, Fresno County, Kern County, Kings County, Merced County, Monterey County, Orange County, Riverside County, Sacramento County, San Bernardino County, San Diego County, San Francisco County, San Joaquin County, San Mateo County, Tuolumne County, Yuba County.
 

Cities

Apple Valley, Belmont, Carlsbad, Chula Vista, Clovis, Corcoran, El Cajon, El Centro, Emeryville, Escondido, Fresno, La Mesa, Menlo Park, Modesto, Oakland, Paradise, Pittsburg, Porterville, Redding, Richmond, Riverside, Santee, San Diego, San Jose, San Pablo, Shasta Lake, Sonora, Tulare, Turlock, Vallejo, Vista.
 
Learn also about Federal programs and common questions.

 
 

Colorado Down Payment

 
Colorado have 2 down payment assistance programs covering all of the state.
 

Colorado Housing Finance Authority (CHFA)

Offer a down payment assistance grant providing up to 3 percent of your first mortgage. No repayment required.
 

Colorado Housing Assistance Corporation (CHAC)

Provides low interest, flexible loans to low and moderate income first time home buyers for down payment and closing cost assistance throughout Colorado.
 

Colorado Housing Enterprise

Offers a Down Payment Assistance Loan (2nd mortgage) with loan amounts range between $3,000.00 – $10,000.00, interest rate matching your first mortgage with a ten year term.
 

Cities

Aurora, Boulder, Commerce City, Denver, Fort Collins, Greeley, Longmont, Loveland, Pueblo, Wheat Ridge.
 

Counties

Adams County, Arapahoe County, Bent, Crowley and Otero counties, Boulder County, Cheyenne, Elbert, Kit Carson and Lincoln counties, Delta, Montrose and San Miguel Counties, Douglas County, La Plata, Montezuma, Archuleta, san Juan and Dolores County, Eagle County, El Paso County, Grand County, Huerfano and Las Animas Counties, Larimer County, Logan, Morgan, Phillips, Sedgewick, Yuma and Washington counties, Weld County.
 
Learn more

 
 

Connecticut Down Payment

 
Connecticut has one state wide down payment assistance program and the organizations and cities below can help you. Contact them and your local housing authority.
 

Connecticut Department of Housing

Has one state wide down payment offering least $3,000, in the form of a loan, but no more than the minimum down payment required for your home, which is usually between 3% and 3.50%
 

Housing Development Fund

Have 5 different down payment assistance help for new homeowners. To learn about each programs details consult their site.
 

Cities

Bridgeport, Fairfield, Farmington, Greenwich, Hamden, Hartford, Manchester, Meriden, Middletown, New Haven, Norwalk, Stamford.
 
Learn also about Federal programs and common questions.

 
 

Delaware Down Payment

 
Delaware has one state wide downpayment assistance and closing cost programs.
 

Delaware State Housing Authority

Provides a no-interest second mortgage loan of 2 percent to 5 percent of your mortgage amount. The amount can be applied toward down payment or closing costs. The loan will have to be repaid when you sale, transfer, or refinance your home. The same principle apply when it’s no longer your primary residence.
 

Counties

New Castle.
 

City

Wilmington.
 
Learn more

 
 

DC – Washington Down Payment

 

Washington’s Department of Housing and Community Development

Offer 3 different down paymetn assistance programs.
 
Home Purchase Assistance Program (HPAP) Provides interest-free loans and closing cost assistance to qualified applicants with a maximum of $80,000 in financing assistance and an additional $4,000 in closing cost assistance.
 
Employer Assisted Housing Program (EAHP) Offers eligible District government employees a deferred, 0% interest loan and a matching funds grant for down payment and closing costs to purchase their first single family home, condominium, or cooperative unit. No payments are required until the property is: (1) is sold or transferred; (2) no longer occupied as principal residence; or (3) refinanced with cash out.
 
Negotiated Employee Assistance Home Purchase Program (NEAHP) Certain government employees, whose position is covered by a collective bargaining agreement, can apply for down payment and closing costs assistance to use towards the purchase of primary residence in the District of Columbia. The assistance ranges from $3,000 to $26,500 and is provided in the form of a grant that is forgiven after ten years as long as the employee meets the terms of the grant agreement.
 

District of Columbia Housing Finance Agency

Have a Home Purchase Assistance Program providing down payment and closing cost assistance in the form of a deferred interest free loan to first-time District homebuyers falling within the very low and moderate income levels.
 
Learn also about Federal programs and common questions.

 
 

Florida Down Payment

 
Florida has 2 state wide down payment assistance and closing cost programs for first-time homeowners, plus 1 programs for specific counties.
 

Florida Finance Housing Corporation

Have the 3 programs below.
 
Hurricane Michael Recovery Loan Program: Provides up to $15,000 in down payment assistance and to cover closing cost. It’s availavble in the following counties: Bay, Calhoun, Franklin, Gadsden, Gulf, Holmes, Jackson, Liberty, Taylor, Wakulla, Washington.
 
Florida Assist (FL Assist): This a 2nd mortgage 0% interest deferred loan up to $7,500.
 
3% and 4% HFA Preferred Grants: Is a non-repayable grant of 3% or 4% of the purchase price of the home being purchased.
 
Florida Homeownership Loan Program (FL HLP) Second Mortgage: This is a 2nd mortgage eligible for a down payment up to $10,000 with a rate of 3% and a 15-year term.
 

Counties

Alachua, Baker, Bay, Bradford, Brevard, Broward, Calhoun, Charlotte, Citrus, Clay, Collier, Columbia, De Soto, Dixie, Duval, Escambia, Flagler, Franklin, Gadsden, Gilchrist, Glades, Gulf, Hamilton, Hardee, Hendry, Hernando, Highlands, Hillsborough, Holmes, Indian River, Jackson, Jackson, Lafayette, Lake, Lee, Leon, Leon, Levy, Liberty, Madison, Manatee, Marion, Martin, Miami-Dade, Monroe, Nassau, Okaloosa, Okeechobee, Orange, Osceola, Palm Beach, Pasco, Pinellas, Polk, Putnam, Santa Rosa, Sarasota, Seminole, St. Johns, St. Lucie, Sumter, Suwannee, Taylor, Union, Volusia, Wakulla, Walton, Washington.
 
Learn more

 
 

Georgia Down Payment

 
Georgia offer a state wide down payment assistance program.
 

Georgia’s Department of Community Affairs

“Georgia Dream Homeownership Program” provides, among other things, down payment assistance.
 

Counties

County of Clarke, County of Clayton, County of Cobb, County of DeKalb, County of Fulton, County of Gwinnett, County of Muscogee, County of Richmond.
 

Cities

Albany, Athens – Clark County, Atlanta, Augusta – County of Richmond, Columbus – County of Muscogee, Macon, Savannah.
 
Learn also about Federal programs and common questions.

 
 

Hawaii Down Payment

 
Hawaii has no state wide downpayment assistance program. But some counties and the city below can help you.
 

Hawaii Housing Finance and Development Corporation

Doesn’t provide down payment assistance.
 

Counties

Guam, Hawaii Island, Kauai, Maui, Oahu.
 

City

Honolulu
 
Learn more

 
 

Idaho Down Payment

 
Idaho have a state down payment assistance program plus some cities also do and can help you. Contact them and your local housing agency.
 

Idaho Housing and Finance Association

Have 2 diffent down payment assistance programs. See below.
 
Second Mortgage: used for closing cost and down payment to the maximum of 3.5% of the sale price. The loan is 5% over 10 years.
 
Forgivable Loan: offers a maximum of 3.5% of the sale price and is foregivable after 7 years.
 

Cities

Boise, Nampa.
 
Learn also about Federal programs and common questions.

 
 

Illinois Down Payment

 

Illinois Housing Development Authority

There’s a down payment and closing cost assistance up to $10,000.
 

Counties

Madison, McHenry, Cook, DuPage, Lake, St. Clair, Urbana, Will County.
 

Cities

Aurora, Champaign, City of Chicago, Decatur, DuPage, DeKalb, Joliet, Kankakee, Lake County, Moline, Mount Prospect, Normal, Rockford, Springfield, Village of Oak Park, City of Aurora, Urbana.
 
Learn more

 
 

Indiana Down Payment

 

The state of Indiana has 2 state wide down payment and closing cost programs plus some counties and cities below have their own.
 

Indiana Housing and Community Development Agency

Indiana Home Solution (IHS): offer, among other things, a downpayment assistance in the form of a 2nd mortgage worth up to 6% of the purchase price.
 
Helping To Own (H2O): is a 3.5% grant who doesn’t need to be repaid.
 

Cities/counties

Anderson, Bloomington, Columbus, East Chicago, Elkhart, Evansville, Fort Wayne, Hammond, Indianapolis Lafayette/ West Lafayette, Mishawaka, Muncie, South Bend, Terre Haute.
 
Learn also about Federal programs and common questions.

 
 

Iowa Down Payment

 
The state of Iowa has 2 down payment assistance programs covering the whole state. The housing authorities of the counties and cities below have their own.
 

Iowa Finance Authority

Offer “FirstHome” which give homebuyers 2 options: “FirstHome Plus Grant”: $2,500 or loan up to $5,000 (maximym 5% of the home purchase price). The 2nd programs is named “FirstHome” and had the same benefits: 2,500 or loan up to $5,000 (maximum 5% of the home purchase price).

 

Counties and cities

Council Bluffs, Iowa City, Oskaloosa, Sioux City, Waterloo, Wright County.
 
Learn more

 
 

Kansas Down Payment

 
The state of Kansas have 1 state wide down payment assistance program.
 

Kansas Housing Corporation

The “First Time Homebuyer Program” provides down payment assistance.
 

Cities

Lawrence, Leavenworth, Topeka.
 
Learn also about Federal programs and common questions.

 
 

Kentucky Down Payment

 
The state of Kentucky has a few down payment assistance programs provided by the organizations below. The cities and counties below have their own program and you should contact their housing agency.
 

Kentucky Housing Corporation

Have 3 different down payment assistance programs. The Christian County program is a $10,000 2nd mortgage foregiveble after 5 years. The “Regular DAP” is a loan up to $6,000 repayable over a ten-year term at 5.50%. The “Affordable DAP” provides assistance up to $6,000 repayable over a ten-year term at 1%.
 

Cities/counties

Ashland, Bowling Green, Elizabethtown, Hopkinsville, Lexington, Louisville, Owensboro.
 
Learn more

 
 

Louisiana Down Payment

 
Louisiana has a few downpayment assistance programs. The housing authorities of the counties and cities below also have their own programs. To see if you qualify contact those departments.
 

Louisiana Housing Corporation

HOME MRB PROGRAM: provides a down payment and closing cost assistance ranging between 5% to 9% depending on the loan amount.
MORTGAGE REVENUE BOND ASSISTED PROGRAM: provides sown payment and closing costs assistance coming in the form of a soft-second mortgage that is equal to 4% of the mortgage amount.
 

Cities/Parish

Alexandria, Baton Rouge, Kenner, Lake Charles, Monroe, Shreveport. The Parish of Houma/Terrebonne,
Jefferson, plus affiliates of The Fuller Center for Housing: Northshore, The Fuller Center, Webster Parish.
 
Learn also about Federal programs and common questions.

 
 

Maine Down Payment

 

Maine Housing Authority

The “Advantage option” provide $3,500 toward the cash you need for closing. Applicants choosing Advantage must make a minimum borrower contribution of 1% of the loan.
 

Cities

Auburn, Augusta, Lewiston, Portland.
 
Learn more

 
 

Maryland Down Payment

 

The state of Maryland have a few state wide assistance program, plus the counties and cities housing agencies below have their own programs.
 

Maryland Department of Housing and Community Development

3 programs to help with down payment.
 
Flex Loans: has different option ranging from a 5,000 loan for downpayment, to 3% or 4% grant who doesn’t get repaid.
 
Special Assistance Grants: is a down payment assistance offering $1,500 or $2,500 depending on median income. Does not need to be repaid.
 
Partner Match: Funds in this program are provided in the form of a no-interest, deferred loan and may be used for down payment and closing costs.
 

Counties

Anne Arundel, Baltimore, Harford, Howard, Montgomery, Prince George’s.
 

Cities

Baltimore, Frederick, Gaithersburg, Hagerstown.
 
Learn also about Federal programs and common questions.

 
 

Massachusetts Down Payment

 
Massachusetts have one down payment assistyance program for first time homeowner. Most major cities also have their own program. Contact these organizations for find about funding and eligibility.
 

MassHousing

Provides a state wide down payment program offering up to 5% of the purchase price or $15,000, whichever is less. This is a 2% fixed-rate loan with a 15 year term.
 

Cities

Adams, Arlington, Boston, Brockton, Cambridge, Easton, Fall River, Fitchburg, Framingham, Gloucester, Haverhill, Holyoke, Lawrence, Lowell, Lynn, Malden, Medford, Melrose, New Bedford, Peabody, Plymouth, Newton, Quincy, Salem, Somerville, Springfield, Taunton, Weymouth, Worcester.
 
Learn more

 
 

Michigan Down Payment

 
The state of Michigan have a down payment assistance program and some cities have their own home program. Contact their housing authority.
 

Michigan State Housing Development Authority (MSHDA)

Provides up to $7,500 in down payment assistance as a 2nd mortgage. It can be used for borrower closing cost, pre-paid expenses and down payment. It include 0% interest and no payments until the home is sold, refinanced, transferred or the MSHDA first mortgage is paid in full.
 

Cities

City of Grand Rapids, City of Lincoln Park, City of Midland, City of Warren, City of Wyandotte.
 

Organizations

Detroit: Core City Neighborhoods, Grandmont/Rosedale Development, Motor City Blight Busters, New Hope Community Development.
Flint: Metro Housing Partnership
 
Learn also about Federal programs and common questions.

 
 

Minnesota Down Payment

 
Minnesota has a state wide down payment program, plus the cities and counties below have their own programs.
 

Minnesota Housing Finance Agency

Provides a downpayment and closing cost loan up to $15,000 either as Monthly Payment Loan with interest rate equal to your first mortgage rate and a 10-year loan term, or the Deferred Payment Loan Plus with loans up to $10,000 and there is no interest or monthly payments, and the loan term is equal to your first mortgage term. You must repay the loan when you move, sell, refinance.
 

Counties

Dakota County, Hennepin County, St. Louis County.
 

Cities

City of Duluth, Minneapolis, St-Paul.
 
Learn more

 
 

Mississippi Down Payment

 

Mississippi Home Corporation

Provides down payment assistance with almost all its mortgage products. The types varies from a loan up to 3.5% of the purchase price, a 2nd mortgage of $7,000 with a 10 year term.
 

Counties/cities

All counties have funds provided by the Mississippi Home Corporation with the program above.
 
Learn also about Federal programs and common questions.

 
 

Missouri Down Payment

 
Missouri has a few down payment assistance programs managed by the organizastions below. The cities and counties below have their own programs.
 

Missouri Housing Development Commission

Have the Cash Assistance Loan which is a foregivable 2nd mortgage of up to 4% of the mortgage amount.
 

Counties/cities

Columbia, Independence, Joplin, Kansas City, Lee’s Summit, Springfield, St. Charles, St. Joseph, St. Louis City, St. Louis County, St. Peters.
 
Learn more

 
 

Montana Down Payment

 

Montana Housing Department

Provides a down payment assistance programs for lenders and partners lending to homebuyers. The downpayment can range from $1,500 to $40,000 based on location and different criteria. It’s a 2nd loan being paid monthly or deferred until the home is sold. This program is divided into 3 different options:
 
1- Bond Advantage Down Payment Assistance Program (DPA).
2- MBOH Plus 0% Deferred Down Payment Assistance Program.
3- NeighborWorks Montana Down Payment Assistance.
 

Montana Homeownership Network

This organisation has a downpayment assistance program, which is a loan, with either 3% or 5% covering the price of your home as downpayment. This program can be either a non repayable grant or deferred payment when you sell your home.
 

Counties

Fergus, Judith Basin, Wheatland, Petroleum, Musselshell and Golden Valley Counties.
 

Cities

Billings, Bozeman, Glendive, Great Falls, Lewistown, Missoula, Ronan, Whitefish.
 
Learn also about Federal programs and common questions.

 
 

Nebraska Down Payment

 

Housing Nebraska

Its Homebuyer Assistance Program help you buy a house even if you only have $1,000 as down payment.
 

Cities

Allen, Hastings, Norfolk, North Platte, Omaha, Tekamah have their own down payment assistance programs. Contact their housing authority.
 
Learn more

 
 

Nevada Down Payment

 
The state of Nevada have a few down payment programs covering the whole state. Some cities and county housing department have their own programs. Contact their housing department for details.
 

Nevada Housing Division

It division “Home is possible” provides a few down payment programs.
 
Home Possible Nevada: has a loan for up to 5% of your home value and it’s not only for fist-time homebuyers. The loan has a 30 years term and there’s a one time $675 fee.
 
Home for Heroes: is similar to Home is Possible above but also have attrative mortgage interest and terms.
 
Home Is Possible For Teachers: provide $7,500 in bonus money for k-12 teachers and may be foregivable after 5 years. This program may stop December 31 2019.
 
 

Nevada Rural Housing Authority

Home at Last: Provides up to $24,000 in down payment assistance in the form of a 3 year second mortgage foregivable after living in your home the first 3 years.
 

Cities/Counties

Henderson, Las Vegas, Reno. Clark County and County of Lyon.
 
Learn also about Federal programs and common questions.

 
 

New Hampshire Down Payment

 

New Hampshire Housing Finance Authority

All its mortgage provides down payment assistance of 3% of your home value and its 100% foregivable after 4 years if you stayed in your home.
 

Cities

Manchester, Portsmouth housing agencies have their own programs. Contact them for more details.
 
Learn more

 
 

New Jersey Down Payment

 
New Jersey home improvement programs are located in the counties and cities below. Contact their housing authorities.
 

New Jersey Housing and Mortgage Finance Agency (NJHMFA)

Offer $10,000 in down payment and closing cost. This is an interest-free, five-year forgivable second loan with no monthly payment.
 

Counties

Atlantic, Bergen, Burlington, Camden, Cumberland, Essex, Gloucester, Hudson, Mercer, Middlesex, Monmouth, Morris, Ocean, Passaic, Salem, Somerset, Union,
 

Cities

Atlantic, Bergen, Burlington, Camden, Cumberland, Essex, Gloucester, Hudson, Mercer, Middlesex, Monmouth, Morris, Ocean, Passaic, Salem, Somerset, Union
 
Learn also about Federal programs and common questions.

 
 

New Mexico Down Payment

 

New Mexico have a state wide down payment assistance programs (see below), and 3 countie have their own programs.
 

New Mexico Mortgage Finance Authority (MFA)

FIRSTDown provides up to $8,000 in down payment. HOMENow is a second morgage providing up to $8,000 as down payment and closing cost, no monhtly payment and the loan can be foregiven after 10 years.
 

Cities

Albuquerque, Las Cruces, Santa Fe.
 
Learn more

 
 

New York Down Payment

 
The state of New York has a state wide down payment programs and most cities and counties also have their down programs. Don’t miss out and contact them.
 

 

New York State Homes and Community Renewal

Has a home Down Payment Assistance Loan with $1,000 to a maximum loan amount of 3% of the purchase price (up to $15,000) or $3,000, whichever is highest.
 

City of New York

“HomeFirst” offers up to $40,000 toward down payment or closing costs and you’ll need to live in your home for 10 years.
 

Cities

The housing authorities below have down payment assistance help programs.
 
Albany, Auburn, Bronx, Brooklyn, Buffalo, Cortland, Elizabethtown, Geneva, Ithaca, Kingston, Long Island, Lyons, Morrisville, New York/Manhattan, Monticello, Niagara Falls, Norwich, Penn Yan, Queens, Rochester, Schenectady, Stamford, Staten Island, Syracuse, Utica, Voorheesville, White Plains, Yonkers.
 
Learn also about Federal programs and common questions.

 
 

North Carolina Down Payment

 

North Carolina Housing Finance Agency

Offers 2 down payment programs plus a tax credit to save for your home.
 
NC Home Advantage Mortgage: offers down payment assistance up to 5 percent of the loan amount. This is a 0 percent, deferred second mortgage, which is forgiven 20 percent per year at the end of years 11-15, with complete forgiveness at the end of year 15.
 
NC 1st Home Advantage Down Payment: offers $8,000 in down payment help. This is also a 0 percent, deferred second mortgage, which is forgiven 20 percent per year at the end of years 11-15, with complete forgiveness at the end of year 15.
 

Cities

Durham, Greensboro, Rocky Mount housing department have their own programs.
 
Learn more

 
 

North Dakota Down Payment

 

North Dakota Housing Finance Agency

Provides 2 different state wide down payment assistance programs. Contact your lender to get the updated programs details.
 
Start: provides low to moderate-income buyers a down payment assistance.
 
DCA: provides low-income buyers with affordable mortgage loans that include down payment and closing cost assistance.
 

Cities

Bismarck, Dickinson, Fargo, Fort Berthold, Grand Forks, Jamestown, Minot, Spirit Lake, Standing Rock, Turtle Mountain, Williston housing authorities have their down payment programs.
 
Learn also about Federal programs and common questions.

 
 

Ohio Down Payment

 

Ohio have a few down payment programs available throughout the state. Some counties and cities below also have their own.
 

Ohio Housing Finance Agency

Your Choice! Down Payment Assistance allows homebuyers to choose either 2.5% or 5% of the home’s purchase price. Assistance can be applied towards down payments, closing costs or other pre-closing expenses. This assistance is forgiven after seven years. This program is available with all other Ohio Housing Finance Agency’s mortgage products.
 
Communities First: offers down payment assistance all over the state. It’s a 2% to 5% grant to be used for down payment and closing cost. As it’s a grant it doesn’t have to be repaid and doesn’t have a minimal lenght of occupency.
 

Counties

Butler, Clark, Cuyahoga, Franklin, Hamilton, Lake, Lucas, Middletown, Montgomery, Summit.
 

Cities

Akeron, Canton, Cincinnati, Cleveland, Columbus, Dayton, Hamilton, Massillon, Springfield, Toledo.
 
Learn more

 
 

Oklahoma Down Payment

 

Oklahoma Housing Finance Agency

OHFA Homebuyer Downpayment Assistance offers 3.5% or 4% toward your total loan amount. This is a loan with a 30-year fixed rate mortgages. Special rates for for teachers and first responders. It’s available in all 77 Oklahoma counties.
 

Cities

Lawton, Midwest City, Oklahoma City, Tulsa housing agencies have their own home improvement programs.
 
Learn also about Federal programs and common questions.

 
 

Oregon Down Payment

 

Oregon Housing and Community Services

Provides up to $15,000.00 for down payment and/or closing costs to local organization offering down payment assistance. See the list below.
 

Organizations

ACCESS, Bend Area Habitat for Humanity, Community Action Program of East Central Oregon, Community Action Team, Community in Action, Habitat for Humanity Oregon, Habitat for Humanity Portland/Metro East, Hacienda Co​mmunity Development Corporation, Housing Authority of Yamhill County, Klamath & Lake Community Action Services, Native American Youth & Family Center, Neighborhood Economic Development Corporation (NEDCO), NeighborWorks Umpqua, ortland Housing Center, Proud Ground, Willamette Neighborhood Housing Service, Willamette West Habitat for Humanity.
 

Counties/cities

Bend, Clackamas County, Corvallis, Medford, Portland Housing Bureau, Springfield.
 
Learn more

 
 

Pennsylvania Down Payment

 

Pennsylvania Housing Finance Agency (PHFA)

HOMEstead program offers up to $10,000 in downpayment and closing cost assistance in the form of a no-interest, second mortgage loan. HOMEstead funds are forgiven at 20 percent per year over five years. The minimum loan amount is $1,000.
 

Counties

The housing department of the counties below offer down payment and closing cost assistance programs.
 
Allegheny, Beaver, Berks, Bucks, Chester, Cumberland, Dauphin, Delaware, Lancaster, Luzerne, Montgomery, Washington, Westmoreland.
 

Cities

The housing department of the cities below offer down payment assistance.
 
Allentown, Erie, Harrisburg, Lancaster, Philadelphia, Pittsburgh, Reading, Scranton, State College, Upper Darby, Wilkes-Barre, Williamsport, York
 
Learn also about Federal programs and common questions.

 
 

Rhode Island Down Payment

 

Rhode Island Housing

Offers a 15 year fixed second mortgage to finance the down payment and/or closing costs.
 

Cities

Cranston, Providence, Woonsocket.
 
Learn more

 
 

South Carolina Down Payment

 
South Carolina State Housing Finance and Development Authority: offer loans up to $6,000 and it comes with a 1% origination fee.
 
Learn also about Federal programs and common questions.
 
 

South Dakota Down Payment

 

South Dakota Housing Development Authority

Offer a 3% of your mortgage cost, this loan is a 0% 2nd mortgage payable when you sell your home. No prior payment is requested.
 

Counties

Aberdeen, Sisseton, Yankton have down payment programs.
 
Learn more

 
 

Tennessee Down Payment

 

Tennessee housing development agency

Great Choice Plus: This is a down payment assistance program is a 2nd loan worth 5% of your home purchase price (average $8,000). This loan have 0% interest and no monthly repayment, only repayment is when you sell your home.
 

Counties

Knox, Shelby.
 

Cities

Bristol, Chattanooga, Clarksville, Jackson, Kingsport, Knoxville, Memphis, Nashville.
 
Learn also about Federal programs and common questions.

 
 

Texas Down Payment

 
The state of Texas have 2 state wide down payment assistance program and the counties and cites below housing departments have their own programs.
 

Texas Department of Housing and Community Affairs

Provides down payment assistance with its first-time homeoweners loans. The amount can be up to 5% of your purchase price.
 

Texas State Affordable Housing Corporation

The Home Buyer Programs offers down payment asstance as part of their mortgage products. It offers up to 6% of your purchase prise, and it’s a 30 year fixed rate based on different criteria. It’s s statewide program and not limited to fist-time homebuyer.
 

Counties

Brazoria, Harris, Travis.
 

Cities

Abilene, Arlington, Austin, Baytown, Beaumont, Brownsville, Bryan, College Station, Corpus Christi, Dallas, Denison, Denton, Edinburg, El Paso, Fort Worth, Frisco, Galveston, Garland, Grand Prairie, Harlingen, Houston, Irving, Killeen, Lewisville, Lubbock, McKinney, Mesquite, New Braunfels, Odessa, Plano, San Angelo, San Antonio, San Marcos, Sherman, Texarkana, Texas City, Tyler, Victoria, Waco, Wichita Falls.
 
Learn more

 
 

Utah Down Payment

 

Community Development Corporation of Utah

Offers up to $14,000 but you must still have 1% of the purchase price. This is a no payment no interest loan that is forgivable after a period of 5 years.
 

Federal Home Loan Bank

Home$tart can provide up to $7,500. Verify with your lender for possible new program’s criteria as this progam should be renewed soon.
 

Counties

The counties below have housing agencies with down payment programs programs.
 
Beaver, Castle, Davis, Salt Lake, Summit, Utah, Watsach, Washington, Weber.
 

Cities

The housing agencies of the following cities with have down payment programs programs.
 
Brigham, Cedar City, Logan, Ogden, Provo, Salt Lake City, Taylorsville, West Jordan City, West Valley.
 
Learn also about Federal programs and common questions.

 
 

Vermont Down Payment

 

Vermont Housing Finance Agency

Their mortgages offers down payments as little as 0% down, and in some case up to $5,000 in closing cost/downpayment,
 

Cities

Burlington, Windham/Windsor housing departments have down payment programs.
 
Learn more

 
 

Virginia Down Payment

 

Virginia Department of Housing and Community Development

HOMEownership Down Payment and Closing Cost Assistance program provides 10% or 20% of the sales price as downpayment, plus $2,500 for closing cost. This is deferred conditional grant you don’t have to repay unless you no longer stay in your home.
 

Virginia Housing Development Authority

Offers a grant worth 2 to 2.5% of the purchase price and doesn’t have to be repaid. It can also be combined with other down payment programs.
 

Counties

Arlington, Chesterfield, Fairfax, Loudoun, Prince William have down payment programs.
 

Cities

These cities’ housing department manage down payment programs.
 
Alexandria, Bristol, Charlottesville, Chesapeake, Colonial Heights, Danville, Fredericksburg, Hampton, Harrisonburg, Lynchburg, Newport News, Norfolk, Alexandria, Bristol, Charlottesville, Chesapeake, Colonial Heights, Danville, Fredericksburg, Hampton, Harrisonburg, Lynchburg, Newport News, Norfolk, Petersburg, Portsmouth, Richmond, Roanoke, Staunton, Suffolk, Virginia Beach, Waynesboro, Winchester.
 
Learn also about Federal programs and common questions.

 
 

Washington Down Payment

 

Washington State Housing Finance Commission (WSHFC)

Provides a few different down payment assistance programs. See below.
 
Home Advantage DPA: Offer a loan up to 5% of your mortgage as second mortgage with a 0% interest rate, payment deferred for 30 years.
 
Home Advantage DPA Needs Based Option: Offers up to $10,000 as a 1% interest loan with payments deferred for 30 years.
 
Opportunity DPA: Offers up to $10,000 as a 2nd mortgage with 1% interest rate and its payment is deffered 30 years. This program is for targeted area only.
 
Veterans: Offer up o $10,000 as a second mortgage loan with a 3% interest rate and payments deferred for up to 30 years. This is for Washingtong state veterans only.
 
HomeChoice: Offers up to $15,000 for buyers with a disability or disabled family member living with them. It have a 1% interest second mortgage, and its payment are deferred. Repayment is due when home is sold, or if the home is refinanced or after 30 years.
 

Counties

The counties’ below housing authorities have down payment programs.
 
Bellevue/East King, Benton/Franklin/Walla Walla, Columbia/Garfield, Ferry/Pend, Oreille/Stevens, Kennewick, King, Kitsap, Pasco, Snohomish, South King, Spokane, Tacoma. Seattle, Whitman, Yakima.
 

Cities

Everett/Snohomish County, Kennewick, King County/outside of Seattle, Pasco, Richland, Seattle, Spokane, Spokane County, Tacoma, Vancouver/Clark County, Yakima.
 
Learn more

 
 

West Virginia Down Payment

 

West Virginia Housing Development Fund

Offers 2 down payment assistance programs linked to their mortage products “Homeownership” and “Movin’ Up” programs. Both are loan with a fixed rate and a 15 years term.
 
Homeownership: is a $7,500 or $10,000 loan based on your loan to value.
 
Movin’ Up: is a $5,000 or $8,000 loan based on your loan to value.
 

Cities

Charleston, Huntington, Martinsburg, Parkersburg.
 
Learn also about Federal programs and common questions.

 
 

Wisconsin Down Payment

 
The state of Wisconsin have 2 main statewide down payment and closing cost programs. Some cities and counties also have their own programs.
 

Wisconsin Housing and Economic Development Authority (WHEDA)

Have 2 different down payment assistance programs.
 
Capital Access Down Payment Assistance: is a 0% interest 2nd mortgage with no monthly payment and payment is deferred when the 1st mortgage is paid in full.
 
Easy Close Advantage: is a 10 year loan to be used for 100% of your downpayment and closing cost.
 

Counties

Dane, Milwaukee, Waukesha, Richland.
 

Cities

Beloit, Green Bay, Madison, Milwaukee.
 
Learn more

 
 

Wyoming Down Payment

 

Wyoming Community Development Authority (WCDA)

Offers a loan up to $10,000 with 0% interest, and payment is deferred (no monthly payment) until one of the folliwing happens: sale of the home, refinance or 30 year maturity.
 

City

Cheyenne.
 
Learn also about Federal programs and common questions.