Down Payment Assistance Programs by State

Down payment assistance is secured by a 10-year second mortgage combined with a 30-year, fixed-rate first mortgage. Affordable Income Subsidy is a grant.

Minimum credit score of 640, DTI of 45% or lower, homebuyer education required. Step Up income limit is $172,800. First Step requires meeting area median income and sales price limits.

Must apply through a participating lender for homes in Alabama. Down payment assistance amount is up to 4% of the sales price or $10,000, whichever is less.

Assistance may be a grant, deferred payment(s), a forgivable loan, or a combination of these options.

Must participate in an approved homebuyer education class, cannot own other residential property in the same general area, and properties are limited to owner-occupied homes.

Funds are subject to availability and provided through local nonprofit intermediaries and regional housing authorities.

HOME Plus is a second mortgage fully forgiven after 60 months; Arizona Is Home can be an interest-free forgivable second mortgage or non-forgivable depending on the region.

Requirements vary by program but generally include a minimum credit score of 640, income limits (e.g., up to $155,386 for HOME Plus), primary residence occupancy, and completion of a homebuyer education course.

HOME Plus is available statewide and funded continuously; Arizona Is Home has regional restrictions, annual funding limits, and is currently fully reserved in Tucson/Pima County.

The DPA is structured as a second mortgage that matches the first mortgage with a 10-year term.

Borrowers must use an ADFA first mortgage, meet income and purchase price limits (up to $500,000), have a minimum 640 credit score, and occupy the home as their primary residence.

Assistance ranges from $1,000 to $15,000; requires pairing with an ADFA StartSmart or Move-Up first mortgage through a participating lender.

MyHome is a deferred-payment junior loan; Dream For All requires repayment of original loan plus a share of home appreciation upon sale, transfer, or refinance.

First-time homebuyers meeting income limits; Dream For All requires one first-generation buyer; requires homebuyer education and primary residence occupancy.

Subject to funding availability and changes; Dream For All operates via a randomized voucher drawing (not first-come, first-served).

The grant requires no repayment; the second mortgage loan defers repayment until first mortgage payoff, refinance, sale, or when no longer a primary residence.

Requires a mid-credit score of 620+, completion of a CHFA-approved homebuyer education class, a minimum $1,000 financial contribution, and adherence to income limits (e.g., up to $178,920 for most programs).

Assistance is subject to available funding; homebuyers must use a CHFA Participating Lender and meet underwriting guidelines.

Time To Own is a 0% interest loan forgiven 10% annually over 10 years; DAP is a repayable second mortgage with an interest rate matching the first mortgage or 5.00%, whichever is less.

Requires using a CHFA first mortgage, meeting income and sales limits, completing homebuyer education, and showing ability to repay; Time To Own also requires 3 years of CT residency.

Time To Own is limited-time with a $20.69M reservation pool remaining as of Sep 8, 2026; subject to available funding and CHFA lender participation.

Deferred, zero-interest second mortgage requiring no monthly payments, due upon refinance, sale, title transfer, or when no longer a primary residence.

Minimum credit score of 620 (counseling required for 620-659); subject to income and purchase price limits depending on household size, county, and target area; some programs require first-time buyer status.

Subject to program funding limits; target areas may offer higher income and purchase-price limits. Buyers must use a participating lender.

Florida Assist is a 0% deferred, non-forgivable second mortgage; FL HLP is a 3% amortizing 30-year second mortgage; eligible PLUS assistance is forgiven 20% annually over five years.

Must be a first-time homebuyer, meet county income and purchase price limits, have a minimum 640 credit score, complete homebuyer education, and use an approved lender.

Assistance is not standalone and must be paired with an eligible Florida Housing first mortgage through an approved participating lender; terms and funding can change.

Assistance is a 0% interest deferred second mortgage with no monthly payments, due upon sale, refinance, or when no longer primary residence.

Must be first-time homebuyers or purchase in targeted areas, meet income limits, have minimum 640 credit score, and complete homebuyer education.

Subject to participating lender approval and funding availability; limits apply to purchase price ($475,000-$625,000) and income based on area.

Second Mortgage Loan details are pending updated administrative rules (Act 214, 2026), but the program is subject to potential recapture tax if sold within 9 years.

First-time homebuyer (unless targeted area/Veteran), household income & purchase price limits, 18+ years old, Hawaii resident, HUD-certified counseling, owner-occupant.

Available through participating lenders; recent statutory amendments (Act 214, 2026) are currently delaying the updated Second Mortgage Loan terms.

Assistance is provided as a repayable second mortgage with small monthly payments alongside the primary mortgage.

Household income at or below $170,000, must take Finally Home! Homebuyer Education, and contribute at least $500 of own funds. Available to non-first-time buyers.

Available statewide; must work with an IHFA-approved lending partner.

Options include deferred (no monthly payment, due on sale/refinance), forgivable (over 10 years), or repayable (monthly over 10 years) second mortgages.

Primary residence, 640+ credit score, income and purchase price limits apply, minimum $1,000 or 1% contribution, max 50% DTI, homebuyer education required. IHDAccess Home requires first-time homebuyer status or exemption.

Program funding and availability is subject to change at any time and is not guaranteed until a complete reservation is placed. Available statewide through approved lenders.

Assistance is provided as a non-forgivable second mortgage.

Must be a first-time homebuyer or purchase in a targeted area, meet county-specific income and acquisition limits, and use an FHA or Conventional 30-year fixed-rate mortgage.

Programs are available statewide in all 92 counties; requires $250 reservation fee and use of an IHCDA participating lender.

The $2,500 option is a grant; the 5% option is a deferred second loan with no monthly payments, due upon sale, refinance, or first mortgage payoff.

Requires minimum 640 credit score, max 50% DTI, occupancy within 60 days, and meeting income limits ($102,100-$171,360) and purchase price limits ($566,000-$692,000); FirstHome requires first-time buyer status.

Assistance must be paired with an IFA mortgage program through a participating lender; available statewide in Iowa.

Assistance is a forgivable soft second mortgage with no monthly payments; fully forgiven if the buyer remains in the home for 10 years.

First-time homebuyers (or haven't owned in 3 years), income at or below 80% AMI, and buyer must invest 1% to 10% of the sale price from own funds. Eligible properties are existing homes only.

Not available in Johnson County or the city limits of Kansas City, Lawrence, Topeka, or Wichita; must use participating lenders.

Assistance is provided as a secondary loan repayable over a 15-year term.

Minimum credit score of 620 for FHA, VA, and RHS loans; income limits up to $192,325 and purchase price limit of $566,354 apply. Must be a KHC first-mortgage loan recipient.

Subject to funding availability; must use a KHC-approved lender.

HomeStart Assist provides assistance as a soft-second mortgage; HomeStart provides a soft-second loan (up to $55,000) and a grant (up to $5,000).

Must be a first-time homebuyer (unless in a targeted area), have a minimum 640 credit score, and meet income and purchase price limits. HomeStart requires 80% AMI or less.

Must use an approved participating lender and be located in Louisiana, with the HomeStart program restricted to designated parishes affected by recent hurricanes.

Advantage and First Gen assistance are provided as a grant or forgivable loan without a separate rate add-on or second mortgage, though subject to potential federal recapture tax if sold within nine years.

Requires 640 minimum credit score, 1% borrower contribution, homebuyer education, and adherence to income and purchase price limits. First Gen requires no previous homeownership by biological parents/guardians.

Programs are available statewide through participating lenders; funding is subject to availability.

Provided as a 0% interest, deferred second lien with no payments due for the life of the first mortgage; due and payable when the first mortgage ends (repayment, refinance, transfer, sale).

Must complete Homebuyer Education, meet income and purchase price limits, occupy as primary residence, and have liquid assets below 20% of purchase price. 1st Time Advantage requires first-time buyer status.

Funding is subject to availability and terms may change. Some programs are targeted by location, and properties built within the last 12 months must be in a Priority Funding Area.

Deferred repayment with 0% interest for buyers up to 60% AMI; 2% or 3% interest for buyers up to 80% or 135% AMI respectively.

First-time homebuyers purchasing a primary residence in Massachusetts using a MassHousing mortgage. Income limits apply (up to 135% AMI for middle-income buyers, up to $205,335 in eastern MA). Homebuyer education required.

Available statewide for properties in Massachusetts. Only available with an affordable MassHousing Mortgage loan. Must use a MassHousing approved lender. 0% interest deferred option ended July 2, 2026.

The MI 10K DPA is an interest-free loan with no monthly payments; repayment is deferred until the first mortgage is paid off, the home is sold or refinanced, or it is no longer owner-occupied.

Requires using an MI Home Loan (first-time buyer statewide or repeat in targeted areas), minimum 640 credit score, homebuyer education class, minimum 1% cash investment, and meeting income and purchase price limits ($566,355 max).

The MI 10K DPA is available statewide but must be combined with a MSHDA MI Home Loan via an approved lender. The First-Generation DPA pilot program is currently closed as all funds have been exhausted.

Options include a 15-year fully amortized loan or a deferred, interest-free balloon loan repaid upon sale, transfer, or refinance.

Borrowers must meet income and purchase price limits, minimum credit scores, owner-occupancy requirements, and complete homebuyer education.

Assistance is available statewide through participating lenders, subject to funding availability and program requirements.

Smart7 and Easy8 are 0% deferred second mortgages due upon sale, refinance, or maturity; Trusty10 is a 2% repayable second mortgage over 15 years.

Requires owner-occupancy, meeting county income and purchase price limits, lender credit approval, and homebuyer education; Easy8 and Trusty10 require first-time buyer status (unless in target area or veteran).

Programs are offered statewide through participating lenders, subject to funding availability and potential servicer overlays.

Assistance is provided as a second mortgage that is 100% forgivable after 10 years if the borrower stays in the home.

Must use an MHDC Certified Lender, meet program-specific income and purchase price limits, and for First Place, be a first-time homebuyer or qualified Veteran.

Available statewide through MHDC Certified Lenders; interest rates and allowable closing costs are set by MHDC.

Available as a 15-year amortizing loan with low monthly payments or a 0% deferred second loan due upon sale, transfer, refinance, or payoff of the first loan.

Requires a 620 minimum credit score, homebuyer education, a $1,000 minimum cash contribution, and household income and purchase price limits apply; maximum 45% DTI for the deferred option.

Subject to available funding; borrowers must qualify for an underlying FHA, VA, RD, or HUD 184 first mortgage through an approved participating lender.

Repayable second mortgage with a 10-year term at a 1% interest rate.

Must use a NIFA first mortgage, meet income/purchase price limits, occupy as primary residence within 60 days, and meet credit requirements; first-time buyers must complete homebuyer education.

Available statewide through participating lenders; funding and terms are subject to change without prior notice.

Assistance is provided as a no-interest, no-payment, non-forgivable 30-year second mortgage.

Requires minimum 640 credit score, primary residence, homebuyer education, and meeting income (up to $165k or 150% AMI) and price limits (up to $832,750).

Available statewide through approved lenders, subject to program-specific limits; terms and funding subject to change.

Assistance is a second mortgage with 0% interest and no monthly payments, due in full if the home is sold, refinanced, vacated, or after 30 years, or upon bankruptcy.

Must meet income limits (generally up to $184,500), purchase price limits, complete homebuyer education, use an approved lender, and occupy the property as a primary residence. First-time buyer required for some options.

Subject to limited funding availability for some pilot programs (like 1stGenHomeNH); borrowers must use an approved participating lender and complete approved homebuyer education.

Interest-free, five-year forgivable second loan with no monthly payment.

Must be a first-time homebuyer (no ownership in past 3 years), use the home as a primary residence in NJ, meet household income and purchase price limits, and pair with an NJHMFA first mortgage.

Subject to available funding and specific county-level limits; must use an NJHMFA participating lender.

FirstDown is a fixed-rate second mortgage; HomeNow is a 0% interest loan forgivable after 10 years; HomeForward DPA is a 15-year fixed-rate second mortgage.

Requires 620 minimum credit score, pre-purchase counseling, and occupancy within 60 days. FirstDown and HomeNow are for first-time buyers with income/purchase price limits; HomeForward allows repeat buyers.

Available statewide through approved participating lenders; FirstDown Plus has limited funds available on a first-come, first-served basis; combined DPA amounts cannot exceed $35,000.

Standard DPAL is a 0% interest loan forgiven after 10 years, decreasing 1/120 monthly; it must be repaid if sold/refinanced within 10 years, though shortages are forgiven.

Must be a first-time homebuyer (unless veteran or in Target Area), occupy as primary residence, meet regional income/purchase price limits, complete homebuyer education, and contribute 1% of property value (3% for co-ops/multi-family).

Funds are available statewide on a first-come, first-served basis through participating SONYMA lenders; DPAL PLUS is for households up to 60% AMI.

The assistance is a 0% deferred second mortgage that is forgiven 20% per year in years 11-15, fully forgiven at year 15, but repayable if the home is sold, refinanced, or transferred before year 15.

Requires a minimum credit score of 640 (660 for manufactured homes), maximum annual income of $158,000, and occupancy as principal residence within 60 days; the $15k option requires first-time buyer or veteran status.

Assistance is offered through participating lenders statewide; funding and program terms are subject to change.

Assistance is provided as a credit towards out-of-pocket cash requirements, not explicitly stated as a repayable loan on the main page.

Must meet income limits based on county and family size, occupy one unit of a 1-2 unit property, and complete a homebuyer education course.

Cannot be combined with other down payment assistance programs; property must be a one-to-two unit residence.

Assistance is forgiven after seven years (five years for Grants for Grads), but must be fully repaid if the home is sold or refinanced before the forgiveness period ends.

Requires meeting income/purchase-price limits, credit scores (640 for Conventional/USDA/VA, 650 for FHA), DTI ratios, and completing HUD-approved homebuyer education; first-time buyer status or target area purchase required for some programs.

Assistance is available statewide through participating lenders; programs are subject to funding availability and terms may change.

Assistance is provided as a zero-interest, zero-fee second mortgage (Silent 2nd) that must be repaid when the first mortgage matures or is paid off, the home is refinanced, or the home is sold or no longer the primary residence.

Requires 640 minimum credit score, 45% maximum DTI, primary residence, and using an OHFA-approved lender; Gold requires first-time buyer (unless targeted area) with varying income limits, while Dream allows repeat buyers up to $150,000 income.

Available statewide for 30-year fixed FHA, HUD-184, USDA-RD, VA, or Conventional loans through OHFA-approved lending partners.

Depending on the program, assistance is provided as a grant, a forgivable second lien (with no payments/interest), or an amortizing second lien.

First-time or first-generation homebuyers earning up to 100% AMI; must complete homebuyer education and housing counseling. Flex Lending requires working with approved lenders.

Funds are awarded to local organizations and availability varies by area; veterans have 25% of funds reserved. Flex Lending requires approved lenders.

K-FIT is forgiven 10% annually over 10 years; Keystone Advantage is repaid monthly over 10 years at 0% interest; K-DATE is deferred at 0% interest until sale, refinance, or payoff.

Minimum credit score of 660; must meet PHFA first mortgage requirements; liquid assets post-closing cannot exceed $50,000.

Subject to available funding; borrower liquid assets cannot exceed $50,000 after closing costs; program terms are subject to change.

15kDPA is a 0% deferred loan due upon sale/transfer; Extra Assistance is a 15-year second mortgage with matching interest rate; FirstGenHomeRI is a 0% loan forgivable after 5 years.

Requires first-time homebuyer status, RIHousing first mortgage, primary residence occupancy, minimum credit score (660 for 15kDPA/FirstGenHomeRI, 620 for Extra Assistance), and homebuyer education. Income/price limits apply.

15kDPA and Extra Assistance are statewide with participating lenders; FirstGenHomeRI is a pilot with limited funds restricted to current residents of specific communities. Funding and terms are subject to change.

Repayment and forgiveness depend on the selected SC Housing program; some options use forgivable subordinate assistance with occupancy and timing conditions.

Requires a minimum 640 credit score, homebuyer education, and primary residence occupancy; specific income, sales price, and first-time buyer limits vary by program and county.

The 2026 Palmetto Heroes program is closed. Other SC Housing programs may remain available through participating lenders, subject to current funding, rates, and program terms.

Assistance is provided as a second mortgage at 0% interest with no monthly payments; due upon sale or satisfaction of the first mortgage.

Must meet first-time or repeat buyer requirements, income limits (e.g., $122,640 for 1-2 person household), purchase price limit ($410,000 for first-time), 620 minimum credit score, and use an approved lender; homebuyer education required for conventional loans.

Funds are available through participating lenders; no specific geographic or funding limits are noted on the program page.

Available as a forgivable second mortgage (deferred, 0% interest, forgiven after 10 years) or a 30-year amortizing loan with the same interest rate as the first mortgage.

Requires a minimum 640 credit score, homebuyer education class, and meeting county-specific household income and purchase price limits.

Assistance requires a THDA Great Choice Home Loan; income and purchase price limits vary by county.

Assistance is typically provided as a grant (no repayment required) or a deferred forgivable second lien loan (forgiven after three years unless the home is sold or refinanced).

Requires a minimum credit score of 620, meeting specific income and purchase price limits, and completion of an approved homebuyer education course. First-time buyer status is required for some programs but not all.

Assistance is subject to available funding, borrower eligibility, and must be accessed through a participating lender network.

DPA is a 30-year fixed-rate second mortgage at 1% above the first mortgage rate; FTHB is a 0% interest, no monthly payment deferred loan repaid upon sale or refinance.

Requires a credit score of 620-700+, meeting income limits, using a UHC participating lender, and owner-occupancy; FTHB program requires new construction up to $450,000 and 12-month Utah residency.

Funds available through approved lenders for properties in Utah; FTHB program has an $80 million appropriation limit.

ASSIST is a 0% deferred second mortgage repaid at sale, refinance, or payoff; First Generation is a grant with no repayment.

Borrowers and non-borrowing spouses must be true first-time homebuyers with less than $20,000 in combined liquid assets; First Generation requires parents/guardians to have never owned or lost a home to foreclosure, or buyer was in foster care; income and purchase price limits apply.

ASSIST is not eligible with VA loans; First Generation grant is available on a first-come, first-served basis while funding lasts; both must be used with a VHFA first mortgage through a participating lender.

The Down Payment Assistance Grant and Closing Cost Assistance Grant require no repayment; the Plus Second Mortgage is a repayable 30-year fixed-rate loan.

First-time homebuyers (or repeat buyers in targeted areas) using eligible Virginia Housing loans, meeting income and sales price limits.

Funding availability varies; subject to participating lender network and Virginia Housing loan limits.

Payment-deferred loans with 0% or 1% interest; balance is due upon sale, refinance, transfer, or if the home ceases to be the principal residence.

Must be a principal residence, attend a free homebuyer education class, and meet program-specific income limits (up to $215,000 for Home Advantage DPA).

Subject to funding availability; must be paired with Home Advantage or House Key Opportunity first mortgages through a Commission-trained lender.

Repayable 15-year fixed-rate second mortgage at 2% interest. Must be paid off upon refinance as WVHDF will not subordinate the second lien.

Requires WVHDF first mortgage. Homeownership Program: first-time buyers, income/price limits, 5-acre limit. Movin' Up: repeat buyers allowed, income up to $171,120, price up to $350,000. Homebuyer education required.

Subject to funding availability and program guidelines; must use a WVHDF-approved participating lender. Programs are statewide but income and purchase price limits vary by county.

Easy Close is a 10-year repayable second mortgage with monthly payments; Capital Access is a 30-year deferred subordinate loan at 0% interest with no monthly payments.

Must be owner-occupied in Wisconsin, meet income limits, have a minimum 620 (Conventional) or 640 (FHA) credit score, and complete homebuyer education if a first-time buyer.

Capital Access DPA has limited funding for 78 loans on a first-come, first-served basis starting Jan 15, 2026, requiring a property address. Easy Close DPA does not note limited funding.

Home$tretch DPA is a 0% interest loan due upon sale, refinance, or 30 years; Amortizing DPA is a fixed-rate, fully amortizing loan up to 10 years.

Minimum 620 credit score, $1,500 minimum borrower contribution (can be a gift), and completion of a homebuyer education class for first-time buyers.

Available for properties up to 10 acres; subject to funding limits and income/purchase price caps.