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.

state programs we offer

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.


  • Home Plus
  • Home in Five Advantage



  • ADF Move-Up
  • Arkansas Dream Down Payment Initiative
  • ADFA Down Payment Assistance Program



  • GSFA Platinum - Golden State Finance Authority



  • CHFA Preferred
  • SmartStep
  • FirstStep
  • CHFA DPA Grant
  • CHFA DPA Second Mortgage Loan 



  • Welcome Home
  • Home For Grads
  • Preferred Plus


District of Columbia

  • DC Open Doors
  • Down Payment Assistance Loan (DPAL)



  • FL First
  • FL  Salute Our Soldiers SOS
  • FL HFA Preferred
  • FL HFA Preferred PLUS
  • FL HFA Advantage
  • FL HFA Advantage Plus
  • Single Family Loan Program - ECHFA
  • Own a Home Opportunity Program - Lee County
  • Own a Home Opportunity Grant Program - Lee County
  • Home Sweet Home Program- Hillsborough County
  • Home Key First Program- Pinellas County
  • Central FL Homebuyer’s Dream - Orange County
  • Housing Opportunities Program - Orange County
  • Florida Assist Second Mortgage (FL Assist)
  • Florida Homeownership Loan Program (FL HLP)
  • 3% PLUS
  • 4% PLUS
  • 5% PLUS
  • Mortgage Assistant Program - Tampa
  • First-Time Home Buyer Grant Program- Realtor Care Foundation



  • WE DeKalb (Workforce Enhancement)
  • Cobb County Down Payment Assistance Program
  • Atlanta Housing Down Payment Assistance Program
  • Homestretch Down Payment Assistance Program - Gwinnett County



  • IHFA First Loan
  • IHFA Advantage
  • IHFA HFA Preferred
  • IHFA HFA Advantage
  • DPP: Downpayment Plus - FHLB



  • Access Programs - IHDA
  • DPP: Downpayment Plus - FHLB 



  • FirstHome
  • FirstHome Plus
  • Homes for Iowans
  • Homes for Iowans Plus
  • Military Homeownership Assistance (MHOA)
  • DPP: Downpayment Plus- FHLB



  • Kansas DPA 
  • Kansas DPA Assistance 



  • Homebuyer Assistance Loan
  • Louisville Metro Down Payment Assistance Program 



  • MMP 1st Time Advantage
  • MMP Flex
  • Maryland SmartBuy 2.0
  • Maryland HomeAbility
  • Montgomery Homeownership Program
  • Conventional Refinance Loan Program
  • Baltimore City Employee Homeownership Assistance Program
  • Baltimore City Live Near Your Work Program
  • Johns Hopkins Live Near Your Work Program
  • DPP: Downpayment Plus - FHLB



  • MI Home Loan
  • MI Home Loan Flex
  • Single Family Down Payment Assistance (SF-DPA)



  • Start Up Program (for FTHB)
  • Step Up Program (for non-FTHB)
  • MHFA Monthly Payment Loan (MPL)
  • MHFA: Deferred Payment Loan (DPL)
  • DPP: Downpayment Plus - FHLB
  • First Time Homebuyer Program - Plymouth Housing and Redevelopment Authority



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


New Hampshire

  • Home Flex
  • Home Flex Plus
  • Home Preferred
  • Home Preferred Plus
  • Cash Assistance Second Mortgage


New Mexico

  • First Home
  • Next Home
  • First Down Program
  • NextDown Forgivable Second Loan Program
  • Home Now DPA
  • Rio Rancho Housing Opportunity Program (RRHOP)
  • Santa Fe Homes Program 



  • First-Time Homebuyer (FTHB) Your Choice! DPA
  • Next Home Your Choice! DPA
  • Communities First Ohio Program
  • OHFA FTHB and Ohio Heroes Program
  • Grants for Grads
  • CDCA Down Payment Assistance Program (DAP)
  • Communities First Ohio Program Grant Assistance
  • Neighborhood Housing Partnership of Greater Springfield



  • REI Gift100 Conventional Loan Program
  • REI Gift100 Government Loan Program
  • Oklahoma Housing Finance Agency GOLD
  • Oklahoma Housing Finance Agency 4Teachers
  • Oklahoma Housing Finance Agency Shield
  • Oklahoma Housing Finance Agency DREAM
  • City of Tulsa First Time Homebuyer Program
  • County First Time Homebuyer Program



  • NeighborImpact Down Payment Assistance Program
  • Grand Ronde Housing Department Down Payment Assistance Grant


Rhode Island 

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


South Carolina 

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




  • Great Choice 
  • Homeownership for the Brave 
  • GC97 
  • Homebuyer Assistance Program 
  • GC97 Plus Deferred 
  • GC97 Plus Amortizing 



  • Keystone Home Loan
  • Keystone Advantage Assistance Loan



  • SETH 5 Star Texas Advantage
  • My First Texas Home Program My Choice Texas Home Program
  • Hill Country Home Down Payment Assistance Program
  • Homes for Texas Heroes Home Loan Program
  • Homes for Texas Heroes Home Loan Program
  • VLB Veterans Housing Assistance Program



  • VHDA - Virginia Housing Development Authority ProgramsVHDA Down Payment Assistance (DPA) Grant
  • VHDA Closing Cost Assistance (CCA) Grant
  • VHDA Plus 2nd Mortgage Program
  • HOMEownership Down Payment & Closing Cost Assistance Program



  • WHEDA HFA Advantage
  • WHEDA Advantage Conv
  • WHEDA HomesStyle® Renovation
  • WHEDA Easy Close DPA
  • WHEDA Capital Access Advantage
  • DPP: Downpayment Plus - FHLB
  • Ho-Chunk Nation Department of Housing DPA
  • Employer Assisted Homeownership Program
  • HOME Ownership Program
  • Stevens Point Housing Authority Program
  • Affordable Housing Program (AHP)
  • Down Payment and Closing Assistance Program - Janesville
  • HOME - Buy the American Dream
  • HOME Buyer Program
  • Home Consortium DPA
  • Movin’ Out AHP
  • Movin’ Out Dane County
  • Movin’ Out Madison HOME
  • Momentum DPA
  • NeighborWorks Loan Fund
  • HOME Loan & IMPACT HOME Loan
  • BCHA Loan
  • Neighborhood Stabilization Program (NSP)
  • Appleton Housing Homebuyer Program
  • Down Payment & Closing Cost Loan - Eau Claire County
  • Down Payment & Closing Cost Assistance Grant - CPNHD
  • HomeStart
  • Downpayment Program - Wausau
  • Couleecap DPA Program
  • Newcap Homebuyer Program
  • Winnebago Homebuyer Program
  • Housing Cost Reduction Initiative (HCRI) Homebuyers Program
  • Employer Assisted Housing Program - Secura Insurance Companies

nationwide down payment assistance

We also 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.