State Bond and Down Payment Assistance Programs

what is down payment assistance?

Down payment assistance programs are put in place to help eligible homebuyers provide funds for their down payment on a new home or closing costs. These are often state-specific.

nationwide down payment assistance

In addition to state-specific programs, we offer national down payment assistance options, including:

Geographical restrictions apply. All loan requests are subject to credit approval as well as specific loan program requirements and guidelines.

state bond & down payment assistance programs

Wondering if we offer a down payment assistance program in your state? Take a look at the list below. If you’re still unsure and would like to learn more, contact a loan originator in your area.

Arizona

  • Home in Five Advantage
  • Home in Five Platinum
  • Home Plus
  • Homebuyer’s Solution Program

 

California

  • Assist-to-Own
  • CalHFA
  • CalHome Program
  • CalPlus
  • Chickasaw Nation
  • GSFA Platinum
  • GSFA Platinum Select
  • HHP DFO Loan
  • Mortgage Assistance Program
  • MyHome Assistance Program
  • Sierra Madre
  • ZIP

 

Colorado

  • CHFA DPA Grant
  • CHFA DPA Second Mortgage Loan
  • CHFA FirstStep
  • CHFA Preferred
  • CHFA SmartStep
  • Eagle County Loan Fund
  • metroDPA

 

Connecticut

  • Down Payment Assistance Program(DAP)
  • Homebuyer Mortgage Program
  • Time To Own

 

Delaware

  • Delaware Diamonds Home Loan Program
  • Dover First Start
  • First State Home Loan Program
  • Home Sweet Home Loan Program
  • Sussex County Housing Trust Fund
  • Welcome Home and Home Again

 

District of Columbia

  • DC Open Doors
  • Down Payment Assistance Loan (DPAL)
  • Employer Assisted Housing Program (EAHP)
  • Home Purchase Assistance Program (HPAP)

 

Florida

  • 3%, 4%, and 5% PLUS
  • Bay County SHIP
  • Central FL Homebuyers Dream- Orange County
  • Central Florida Homebuyers Dream
  • Central Florida Housing Opportunities Program
  • City of Orlando SHIP
  • City Of Panama City SHIP
  • DARE to Own the Dream Program
  • DPA Forgivable Second Mortgage
  • DPA Second Mortgage
  • East Tampa CRA DPA
  • First Time Homebuyer Grant Program
  • First Time Homebuyer Grant Program (RCF)
  • FL First
  • FL First Heroes
  • FL HFA Advantage
  • FL HFA Advantage PLUS
  • FL HFA Preferred
  • FL HFA Preferred PLUS
  • Florida Assist Second Mortgage
  • Florida Homeownership Loan Program (FL HLP)
  • Glades County SHIP
  • Habitat for Humanity Greater Orlando and Osceola County DPA Program
  • Hendry County SHIP
  • Hernando County DPA
  • Highlands County SHIP
  • HOLMES County SHIP
  • HOME DPA
  • HOME Investment Partnership-First Time Homebuyer Program
  • Home Key Plus Second Mortgage
  • Home Sweet Home- Hillsborough County
  • Homebuyer Assistance Program
  • Homebuyer Loan Program
  • Homeownership Pool Program
  • Homes Key First Program- Pinellas County
  • Hometown Heroes Second Mortgage
  • Housing Opportunities Program-Orange County
  • Key to Homeownership- Manatee County
  • Lake County, FL SHIP
  • Lee County SHIP
  • Local Housing Assistance Plan (LHAP)
  • Mortgage Assist Program
  • Neighborhood Stabilization Program (NSP)
  • Okaloosa Community Development SHIP
  • Own a Home Opportunity Gran Program-Lee County
  •  Own a Home Opportunity Program
  • Own a Home Opportunity Program- Lee County
  • Purchase Assistance Program
  • Purchase Assistance Program (SHIP)
  • Single Family Loan Program-ECHFA
  • Walton County SHIP
  • Washington County SHIP

 

Georgia

  • Atlanta Housing Down Payment Assistance Program
  • Homestretch Down Payment Assistance Program

 

Idaho

  • Affordable Homeownership Program
  • First Loan
  • HFA Advantage
  • HFA Preferred
  • Idaho Heros Foundation Partnership Grant

 

Illinois

  • Access 10% Repayable
  • Access 4% Forgivable
  • Access 5% Deferred
  • Access IHDA
  • City of Chicago MCC
  • Cook County Down Payment Assistance
  • Cook County Homebuyer Assistance Program
  • HOME Consortium DPA
  • IL HFA 1
  • Illinois HFA1
  • Lake County Down Payment Assistance Program
  • Live and Work Rock Island EAP - Employee Assistance Program
  • SmartBuy
  • SmartBuy DPA

 

Iowa

  • First-Time Home Buyer Program
  • FirstHome
  • FirstHome Plus
  • Homes for Iowans
  • Homes for Iowans Plus
  • Military Homeownership Assistance (MHOA) Grant
  • Minority Down Payment Assistance Pilot Program

 

Kansas

  • KansasDPA

 

Kentucky

  • Downpayment Assistance Program (DAP)
  • Homebuyer Assistance Loan
  • Louisville Metro Down Payment Assistance Program
  • Secondary Marketing Funding Source Program

 

Maryland

  • 1st Advantage 6000
  • Baltimore City Employee Homeownership Assistance Program
  • Baltimore City Live Near Your Work Program
  • Charles County SELP Program (Settlement Expense Loan Program)
  • Conventional Refinance Loan Program
  • DreamMaker Loan
  • Flex 3% Loan
  • Flex 6000
  • Greenbelt Home Advantage Program
  • HomeAbility
  • HomeStart
  • HomeStart 6% DPA
  • HomeStarter Loan
  • HomeSteader Loan
  • Johns Hopkins Live Near Your Work Program
  • Maryland HomeAbility
  • Maryland SmartBuy 3.0
  • MMP 1st Time Advantage
  • MMP 1st Time Advantage with 3%, 4% or 5% Loan
  • MMP Flex
  • Montgomery Homeownership Program
  • Montgomery Homeownership Program
  • Pathway to Purchase Program
  • Revitalization Loan
  • SmartBuy Second Mortgage 3.0
  • Vacants to Value Booster Program
  • Workforce Initiative

 

Michigan

  • Homebuyer Assistance Fund Program
  • ICCF IDA Program
  • MI 10K DPA Loan
  • MI Home Loan
  • MI Home Loan Flex

 

Minnesota

  • Brooklyn Park Down Payment Assistance Loan
  • City of Big Lake/Tri-CAP Neighborhood Stabilization Program (NSP)
  • First Time Homebuyer Program
  • First Time Homebuyer’s Program
  • FirstHOME Program
  • Homebuyers Club Grant
  • Inspiring Communities Homebuyer Assistance Incentive Program
  • Lind Bohanon Home Purchase Deferred Loan Program
  • MHFA 30 yr Second
  • MHFA deferred pymt Second-MHFA Deferred Payment Loan (DPL)
  • Moving to Work Lease-to-Own Program
  • Start Up Program
  • Step Up Program
  • ViNA Home Buyer Assistance Grant
  • Welcome to Minnetonka Program
  • Woodbury First Time Homeownership Program
  • Woodbury Foreclosure Purchase Program

 

Missouri

  • Cash Assistance Loan (CAL)
  • First Place Loan Program
  • Next Step Loan Program

 

New Hampshire

  • 1st Generation Homebuyer Downpayment Assistance Program
  • Cash Assistance Second Mortgage
  • Home First Plus-MRB
  • Home First-MRB
  • Home Flex
  • Home Flex Plus
  • Home Preferred
  • Home Preferred Plus

 

New Jersey

  • First Time Homebuyer
  • HFA Advantage
  • Homeward bound
  • Police and Fireman (PFRS)
  • Smart Start DPA

 

New Mexico

  • DPA Advantage Grant
  • First Down Plus Program
  • First Down Program
  • First Home
  • Home Forward
  • HomeFoward DPA
  • Los Alamos Housing Partnership Inc
  • Next Home
  • NextDown Forgivable Second Loan Program
  • Rio Rancho Housing Opportunity Program (RRHOP)
  • Sante Fe Homes Program

 

Ohio

  • CDCA Down Payment Assistance Program (DAP)
  • Communities First Ohio Program
  • Communities First Ohio Program Grant Assistance
  • Cuyahoga County DPA Program
  • First Time Homebuyer Your Choice! DPA
  • Grants for Grads
  • Neighborhood Housing Partnership of Greater Springfield
  • Next Home Your Choice! DPA
  • OHFA Conventional Refinance
  • OHFA FTHB and Ohio Heroes Program
  • OHFA Government Refinance
  • Revitalize Home Mortgage DPA
  • VITA DPA

 

Oklahoma

  • Cherokee Nation Mortgage Assistance Program
  • City of Tulsa First Time Homebuyer Program
  • County First Time Homebuyer Program
  • DREAM
  • Gold Loan Program
  • OHFA 4Teachers
  • OHFA Sheild
  • REI Home 100 Conventional
  • REI Home 100 FHA Hybrid
  • REI Home 100 Government

 

Pennsylvania

  • Down Payment and Closing Cost Assistance Program
  • Homeownership First
  • K-Fit Loan Program
  • Keystone Advantage Assistance Loan
  • Keystone Home Loan
  • PHFA Grant Program
  • Revitalization Homeownership First
  • Settlement Assistance Grant
  • Upper Darby Township First Time Homebuyer Program

 

Rhode Island

  • 10k DPA
  • Extra Assistance Loan
  • MRB Government
  • Non-MRB Conventional
  • Non-MRB Government
  • RI Statewide DPA Grant Program

 

South Carolina

  • County First Forgivable DPA
  • County First Program
  • Forgivable DPA
  • Palmetto Home Advantage
  • Palmetto Home Advantage Forgivable DPA
  • SC Housing Homebuyer Program

 

Tennessee

  • GC97 Plus Amortizing
  • GC97 Plus Deferred
  • Great Choice
  • HFA Advantage
  • Homebuyer Assistance Program
  • Homeownership for Heroes

 

Texas

  • Capital Area HFC Grant
  • First Time Homebuyer Down Payment Assistance Program
  • Hill Country Home Down Payment Assistance Program
  • Hill County Home Down Payment Assistance Program
  • Home Sweet Texas Homes Loan Program
  • Homes for Texas Heroes Home Loan Program
  • My Choice Texas Home Program
  • My Choice Texas Home Program Non-FTHB
  • My First Texas Home Program
  • My First Texas Home Program (TMP 79) FTHB
  • SETH 5 Star Texas Advantage
  • SETH 5 Star Texas Advantage Second
  • TSAHC 2nd Lien DPA
  • TSAHC DPA Assistance Grant
  • VLB Veterans Housing Assistance Program

 

Virginia

  • Down Payment Assistance (DPA) Grant Program
  • HOMEownership Down Payment & Closing Cost Assistance Program
  • Homeownership Down Payment Assistance Program (HOME)
  • Project Homes Grant (Sub Lien)
  • VH Closing Cost Assistance (CCA) Grant
  • VH Plus 2nd Mortgage Program

 

Wisconsin

  • ‘MOmentum DPA
  • Advantage Conv
  • Affordable Housing Program (AHP)
  • Appleton Housing Homebuyer Program
  •  BCHA Loan
  • Capital Access Advantage
  • Couleecap DPA Program
  • Down Payment & Closing Cost Assistance Grant
  • Down Payment & Closing Cost Loan
  • Down Payment and Closing Assistance Program
  • Downpayment Program
  • Easy Close DPA
  • Employer Assisted Homeownership Program
  • Employer Assisted Housing Program
  • HFA Advantage
  • Ho-Chunk Nation Department of Housing DPA
  • HOME - Buy the American Dream
  • HOME Buyer Program
  • Home Consortium DPA
  • HOME Loan & IMPACT HOME Loan
  • HOME Ownership Program
  • HomeStart
  • Homestyle Renovation
  • Housing Cost Reduction Initiative (HCRI) Homebuyers Program
  • LakeCap DPA
  • Movin' Out AHP
  • Movin' Out Dane Co. CDBG
  • Movin' Out Madison HOME
  • NeighborWorks Loan Fund
  • Newcap Homebuyer Program
  • NSP (Neighborhood Stabilization Program)
  • Sold on Oshkosh
  • Stevens Point Housing Authority Program
  • Winnebago Homebuyer Program

 

learn more and apply today

Contact a local mortgage expert in your area to learn more and get pre-approved.

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