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
  • Chickasaw Nation
  • Golden State Finance Authority Platinum
  • Golden State Finance Authority Platinum Select
  • Heritage Housing Partners (HHP) DFO Loan
  • Mortgage Assistance Program
  • Sierra Madre

 

Colorado

  • Colorado Housing and Finance Authority Down Payment Assistance Grant
  • Colorado Housing and Finance Authority Down Payment Assistance Second Mortgage Loan
  • Colorado Housing and Finance Authority First Generation
  • Colorado Housing and Finance Authority FirstStep
  • Colorado Housing and Finance Authority Preferred
  • Colorado Housing and Finance Authority SmartStep
  • Eagle County Loan Fund 

 

Delaware

  • Dover First Start
  • Sussex County Housing Trust Fund

 

District of Columbia

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

 

Florida

  • Bay County State Housing Initiatives Partnership (SHIP) Program
  • Central FL Homebuyers Dream- Orange County
  • Central Florida Homebuyers Dream
  • Central Florida Housing Opportunities Program
  • City of Orlando State Housing Initiatives Partnership (SHIP) Program
  • City Of Panama City State Housing Initiatives Partnership (SHIP) Program
  • DARE to Own the Dream Program
  • Downpayment and Purchase Assistance
  • Down Payment Assistance Forgivable Second Mortgage
  • Down Payment Assistance Second Mortgage
  • East Tampa Community Redevelopment Agency (CRA) Down Payment Assistance
  • Escambia County Housing Finance Authority (ECHFA) Single Family Loan Program
  • First Time Homebuyer Grant Program (RCF)
  • Florida First
  • Florida First Heroes
  • Florida Housing 3%, 4%, and 5% PLUS
  • Florida HFA Advantage
  • Florida HFA Advantage PLUS
  • Florida HFA Preferred
  • Florida HFA Preferred PLUS
  • Florida Assist Second Mortgage
  • Florida Homeownership Loan Program (FL HLP)
  • Glades County State Housing Initiatives Partnership (SHIP) Program
  • Habitat for Humanity Greater Orlando and Osceola County Down Payment Assistance Program
  • Hendry County State Housing Initiatives Partnership (SHIP) Program
  • Hernando County Down Payment Assistance
  • Highlands County State Housing Initiatives Partnership (SHIP) Program
  • HOLMES County State Housing Initiatives Partnership (SHIP) Program
  • HOME Down Payment Assistance
  • HOME Investment Partnership-First Time Homebuyer Program
  • Home Key Plus Second Mortgage
  • Home Purchase Assistance Program
  • Home Sweet Home - Hillsborough County
  • Homebuyer Assistance Program
  • Homebuyer Loan Program
  • Homebuyers Purchase Assistance 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, Florida State Housing Initiatives Partnership (SHIP) Program
  • Lee County State Housing Initiatives Partnership (SHIP) Program
  • 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)
  • Walton County State Housing Initiatives Partnership (SHIP) Program
  • Washington County State Housing Initiatives Partnership (SHIP) Program

 

Georgia

  • Atlanta Housing Down Payment Assistance Program
  • CHOICE
  • Homestretch Down Payment Assistance Program
  • Georgia Dream
  • Peach Select
  • Peach Plus
  • Protectors, Educators, & Nurses (PEN)
  • Standard Down Payment AssistanceDPA

 

Idaho

  • Affordable Homeownership Program
  • Idaho HFA Advantage
  • Idaho HFA First Loan
  • Idaho HFA Preferred
  • Idaho HFA Standard
  • Idaho Heroes Second Mortgage

 

Illinois

  • Illinois Housing Development Authority Access 10% Repayable
  • Illinois Housing Development Authority Access 4% Forgivable
  • Illinois Housing Development Authority Access 5% Deferred
  • Illinois Housing Development Authority Access
  • Cook County Down Payment Assistance
  • Cook County Homebuyer Assistance Program
  • HOME Consortium Down Payment Assistance
  • Live and Work Rock Island Employee Assistance Program (EAP)
  • SmartBuy
  • SmartBuy Down Payment Assistance

 

Iowa

  • Iowa First-Time Home Buyer Program
  • Iowa FirstHome
  • Iowa FirstHome Plus
  • Homes for Iowans
  • Homes for Iowans Plus
  • Military Homeownership Assistance (MHOA) Grant

 

Kansas

  • KansasDPA
  • Affordable Homeownership Program (AHP) Down Payment Assistance Program
  • National Programs Down Payment Program

 

Kentucky

  • Louisville Metro Down Payment Assistance Program
  • Homebuyer Assistance Loan

 

Maryland

  • 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
  • Frederick County Homebuyer Assistance Program
  • Greenbelt Home Advantage Program
  • Harford County SELP Program
  • HomeAbility
  • HomeStart
  • HomeStart 6% Down Payment Assistance
  • HomeStarter Loan
  • HomeSteader Loan
  • Johns Hopkins Live Near Your Work Program
  • Maryland 1st Advantage 6000
  • Maryland HomeAbility
  • Maryland SmartBuy 3.0
  • Maryland Mortgage Program 1st Time Advantage
  • Maryland Mortgage Program  1st Time Advantage with 3%, 4% or 5% Loan
  • Maryland Mortgage Program Flex
  • Maryland Mortgage Program Flex 3% Loan
  • Maryland Mortgage Program Flex 6000
  • 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

  • First Generation DPA
  • Homebuyer Assistance Fund Program
  • Inner City Christian Federation (ICCF) Individual Development Account (IDA) Program
  • Michigan 10K Down Payment Assistance Loan
  • Michigan Home Loan
  • Michigan Home Loan Flex

 

Minnesota

  • Brooklyn Park Down Payment Assistance Loan
  • Carver County Community Development Agency Down Payment and Closing Cost Assistance Program
  • City of Blaine Economic Development Authority’s Program
  • Coon Rapids Down Payment Assistance Loan
  • First Time Homebuyer Program
  • First Time Homebuyer’s Program
  • First-Generation Homebuyer Loan Program
  • First Generation Homebuyers Community Down Payment Assistance (DPA) Fund
  • FirstHOME Program
  • Hennepin County HRA Homebuyer Assistance
  • Homebuyers Club Grant
  • Inspiring Communities Homebuyer Assistance Incentive Program
  • Minnesota Housing Finance Agency 30-year Second
  • Minnesota Housing Finance Agency Deferred Payment Second-MHFA Deferred Payment Loan (DPL)
  • Minnesota Housing Start Up Program
  • Minnesota Housing Step Up Program
  • Moving to Work Lease-to-Own Program
  • St. Louis Park DPA Deferred Loan
  • ViNA Home Buyer Assistance Grant
  • Welcome to Minnetonka Program
  • Webber-Camden Down Payment Assistance Loan
  • Woodbury First Time Homeownership Program

 

Missouri

  • Missouri Housing Development Commission Cash Assistance Loan (CAL)
  • Missouri Housing Development Commission First Place Loan Program
  • Missouri Housing Development Commission Next Step Loan Program

 

New Hampshire

  • New Hampshire 1st Generation Homebuyer Downpayment Assistance Program
  • New Hampshire Housing Cash Assistance Second Mortgage
  • New Hampshire Housing Home First Plus using Mortgage Revenue Bonds (MRB)
  • New Hampshire Housing Home First using Mortgage Revenue Bonds (MRB)
  • New Hampshire Housing Home Flex
  • New Hampshire Housing Home Flex Plus
  • New Hampshire Housing Home Preferred
  • New Hampshire Housing Home Preferred Plus

 

New Jersey

  • First Time Homebuyer
  • First Generation Homebuyer
  • HFA Advantage
  • Homeward bound
  • Police and Fireman (PFRS)
  • Smart Start Down Payment Assistance

 

New Mexico

  • New Mexico Mortgage Finance Authority DownPaymentAdvantage
  • Housing New Mexico First Down Plus Program
  • Housing New Mexico First Down Program
  • Housing New Mexico FirstHome
  • Housing New Mexico HomeForward
  • Housing New Mexico Home Now Down Payment Assistance
  • Housing New Mexico NEXTHome
  • The Housing Trust
  • Los Alamos Housing Partnership Inc
  • Rio Rancho Housing Opportunity Program (RRHOP)
  • Santa Fe Homes Program

 

North Carolina

  • NC Home Advantage Mortgage
  • NC Home Advantage Mortgage Down Payment Assistance
  • NC 1st Home Advantage Down Payment

 

Ohio

  • Cuyahoga County Down Payment Assistance Program 
  • Communities First Ohio Program
  • Communities First Ohio Program Grant Assistance
  • Cuyahoga County Down Payment Assistance Program
  • First Time Homebuyer Your Choice! Down Payment Assistance
  • Grants for Grads
  • Neighborhood Housing Partnership of Greater Springfield
  • Next Home Your Choice! Down Payment Assistance
  • Ohio Finance Authority Conventional Refinance
  • Ohio Finance Authority First-time Homebuyer and Ohio Heroes Program
  • Ohio Finance Authority Government Refinance
  • Revitalize Home Mortgage Down Payment Assistance
  • VITA DPA

 

Oklahoma

  • Cherokee Nation Mortgage Assistance Program
  • City of Tulsa First Time Homebuyer Program
  • County First Time Homebuyer Program

  • Oklahoma/Canadian Counties HOME Program

  • Oklahoma City HOME Program

  • Oklahoma Housing Finance Agency 4Teachers Program
  • Oklahoma Housing Finance Agency DREAM Program 
  • Oklahoma Housing Finance Agency Gold Loan Program

  • Oklahoma Housing Finance Agency Housing Stability Program (Enhanced DPA)

  • Oklahoma Housing Finance Agency Zero Interest 2nd

  • REI Home100 Conventional
  • REI Home100 FHA Hybrid
  • REI Home100 Government
  • Cleveland County First Home Program
  • Tulsa County First Home Program
  • North Tulsa Forward Program 

 

Oregon

  • Grand Ronde Housing Department Down Payment Assistance Grant
  • Neighbor Impact Down Payment Assistance

 

Pennsylvania

  • Pennsylvania Revitalization Homeownership First
  • Philly First Home Program
  • Upper Darby Township First Time Homebuyer Program
  • URA Down Payment and Closing Cost Assistance Program

 

Rhode Island

  • Mortgage Revenue Bond Government Program
  • Non-Mortgage Revenue Bond Conventional Program
  • Non-Mortgage Revenue Bond Government Program
  • Rhode Island Housing 15k Down Payment Assistance
  • Rhode Island Housing Extra Assistance Loan
  • Rhode Island Statewide Down Payment Assistance Grant Program

 

South Carolina

  • County First Forgivable Down Payment Assistance
  • County First Program
  • Forgivable Down Payment Assistance
  • Palmetto Heroes
  • Palmetto Home Advantage
  • Palmetto Home Advantage Forgivable Down Payment Assistance
  • South Carolina Housing Homebuyer Program

 

South Dakota

  • First-Time Homebuyer Program
  • Fixed Rate Plus Loan (FRPL)
  • Repeat Homebuyer Program

 

Texas

  • Capital Area Housing Finance Corporation Grant
  • Chickasaw Nation Downpayment and/or Closing Cost Assistance Grant
  • Dallas Homebuyer Assistance Program (DHAP)
  • First Time Homebuyer Down Payment Assistance Program
  • Harvey Homebuyer Assistance Program Guidelines (HbAP 2.0)
  • 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-First-Time Homebuyer)
  • My First Texas Home Program
  • My First Texas Home Program (TMP 79) First-Time Homebuyer
  • Southeast Texas Housing Finance Corporation (SETH) 5 Star Texas Advantage
  • Southeast Texas Housing Finance Corporation (SETH) 5 Star Texas Advantage Second
  • Texas State Affordable Housing Corporation (TSAHC) 2nd Lien Down Payment Assistance
  • Texas State Affordable Housing Corporation (TSAHC) Down Payment Assistance Assistance Grant
  • Texas Veterans Land Board (VLB) Veterans Housing Assistance Program (VHAP)

 

Virginia

  • Down Payment Assistance (DPA) Grant Program
  • HOMEownership Down Payment & Closing Cost Assistance Program
  • Homeownership Down Payment Assistance Program (HOME)
  • Virginia Housing Closing Cost Assistance (CCA) Grant
  • Virginia Housing Community Heroes Grant
  • Virginia Housing Plus 2nd Mortgage Program

 

West Virginia

  • Home Investment Partnership Program (HOME)
  • Northern Panhandle HOME Consortium First Time Homebuyer Program

 

Wisconsin

  • Momentum Down Payment Assistance
  • Advantage Conventional
  • Affordable Housing Program (AHP)
  • Appleton Housing Homebuyer Program
  • Brown County Housing Authority (BCHA) Loan
  • Capital Access Advantage
  • Couleecap Down Payment Assistance Program
  • Easy Close Down Payment Assistance
  • Employer Assisted Homeownership Program
  • Employer Assisted Housing Program
  • Ho-Chunk Nation Department of Housing Down Payment Assistance
  • HOME - Buy the American Dream
  • HOME Buyer Program
  • Home Consortium Down Payment Assistance
  • HOME Ownership Program
  • HomeStart
  • LakeCap Down Payment Assistance
  • Movin' Out Dane County Community Development Block Grant (CDBG)
  • Movin' Out Madison HOME
  • NeighborWorks Loan Fund
  • Newcap Homebuyer Program
  • Sold on Oshkosh
  • Stevens Point Housing Authority Program

 

Wyoming

  • WCDA Advantage
  • WCDA Amortizing Down Payment Assistance
  • WCDA Edge
  • WCDA HFA Preferred
  • WCDA Home$trech Down Payment Assistance
  • WCDA Spruce Up
  • WCDA Standard First-Ttime Hombuyer

 

learn more and apply today

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

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