# Down payment help: federal and state home buyer programs > Federal and state programs that help with a down payment, by state, with official links. Most must be set up through a participating lender before closing. City and county programs are not included yet. By David Knorr, founder of BuyWise Home. Last reviewed October 28, 2026. Web page: https://www.buywisehome.com/guide/tools/down-payment-help ## How it works Pick the state and county, enter the price and your household, and the finder sorts programs into likely fits, worth checking, and not this time, with the reason for each. Income stays in the browser. City and county programs are not included yet: ask your lender and your city or county housing office. ## Federal programs - [HomeReady Mortgage](https://fanniemae.com/content/guide/selling/b5/6/02.html) (Fannie Mae): A conventional low-down-payment loan (as little as 3% down) for buyers earning up to 80% of the area median income. If every buyer on the loan is a first-time buyer, one must complete a homeownership education course. Apply through a participating lender. - [Home Possible Mortgage](https://sf.freddiemac.com/working-with-us/affordable-lending/guide-to-home-possible-mortgage) (Freddie Mac): A conventional loan with 3% down for buyers earning up to 80% of the area median income. Open to first-time and repeat buyers; if every buyer is a first-time buyer, one must take a homeownership education course. Apply through a participating lender. - [HomeOne Mortgage](https://sf.freddiemac.com/docs/pdf/fact-sheet/homeone-flyer-sept-21.pdf) (Freddie Mac): A conventional loan with 3% down for first-time buyers, with no income limit and no location restrictions. At least one buyer must be a first-time buyer; if all are, one must complete a homeownership education course. Apply through a participating lender. - [FHA 203(b) Purchase Mortgage](https://hud.gov/hud-partners/single-family-lender) (U.S. Department of Housing and Urban Development, Federal Housing Administration): A government-insured home loan with as little as 3.5% down for credit scores of 580 or higher (10% down for 500-579). You pay an upfront mortgage insurance premium of 1.75% plus a yearly premium. Apply through an approved lender; loan size limits vary by county. - [Good Neighbor Next Door](https://hud.gov/program_offices/housing/sfh/reo/goodn) (U.S. Department of Housing and Urban Development): Teachers (pre-K to 12th grade), full-time law enforcement officers, firefighters and emergency medical technicians can buy certain HUD-owned homes in areas HUD picks for the program at half the list price, if they live there for 3 years. Offers go through a registered real estate broker. - [HUD-Approved Housing Counseling](https://hud.gov/program_offices/housing/hsg_counseling) (U.S. Department of Housing and Urban Development, Office of Housing Counseling): Free or low-cost advice from approved nonprofit counselors on budgeting, credit, and the homebuying process. Many down payment and low-down-payment loan programs accept or require this kind of course. Find an agency online or call 800-569-4287. - [USDA Single Family Housing Direct Home Loan (Section 502 Direct)](https://rd.usda.gov/programs-services/single-family-housing-direct-home-loans) (U.S. Department of Agriculture, Rural Development (Rural Housing Service)): A home loan made directly by the U.S. Department of Agriculture to low- and very-low-income households buying in eligible rural areas. Usually no down payment, and payment help can lower the rate to as low as 1%. Apply at your local Rural Development office. - [USDA Single Family Housing Guaranteed Loan (Section 502 Guaranteed)](https://rd.usda.gov/programs-services/single-family-housing-guaranteed-loan-program) (U.S. Department of Agriculture, Rural Development (Rural Housing Service)): A government-backed home loan for moderate-income households buying in eligible rural areas, with no down payment. Household income must be at or below 115% of the local median. A 1% upfront fee and a small yearly fee apply. Apply through an approved lender. - [VA-Backed Purchase Loan](https://www.va.gov/housing-assistance/home-loans/loan-types/purchase-loan/) (U.S. Department of Veterans Affairs): For eligible veterans, service members and some surviving spouses: a home loan with no down payment (if the price is not above the appraised value) and no monthly mortgage insurance. A one-time funding fee applies unless you are exempt. Apply through a private lender. ## State programs ### Alabama - [Affordable Income Subsidy Grant (AISG)](https://www.ahfa.com/programs/homeownership/available-programs/affordable-income-subsidy-grant) (Alabama Housing Finance Authority (AHFA)): A closing-cost grant of 1% of the loan for lower-income buyers (half of 1% for buyers between 50% and 80% of the area's median income), used with a qualifying low-down-payment conventional loan from the Alabama Housing Finance Authority. - [First Step (Mortgage Revenue Bond)](https://www.ahfa.com/programs/homeownership/available-programs/first-step-mortgage-revenue-bonds) (Alabama Housing Finance Authority (AHFA)): First Step is a below-market, 30-year fixed-rate mortgage from the Alabama Housing Finance Authority. Buyers outside target areas must not have owned a home in the last 3 years. Income and price limits apply. - [Step Up](https://www.ahfa.com/programs/homeownership/available-programs/step-up) (Alabama Housing Finance Authority (AHFA)): Step Up is a 30-year fixed-rate mortgage for moderate-income buyers in Alabama earning $172,800 or less. A homebuyer education course is required. It comes with down payment help. ### Alaska - [Affordable Housing Enhanced Loan (AHELP)](https://www.ahfc.us/buy/add-options/affordable-housing-enhanced) (Alaska Housing Finance Corporation (AHFC)): An Alaska Housing loan option that pairs your mortgage with down payment help from a partner nonprofit or government agency. A homebuyer class is required. Help amounts depend on the partner. - [First Home](https://www.ahfc.us/buy/loan-programs/first-time-loans) (Alaska Housing Finance Corporation (AHFC)): First Home is a reduced-rate mortgage with 15- and 30-year fixed terms for Alaska first-time buyers who have not owned a home in 3 years. It has no income or purchase-price limits. - [First Home Limited (Tax-Exempt Program)](https://www.ahfc.us/buy/loan-programs/first-time-loans) (Alaska Housing Finance Corporation (AHFC)): First Home Limited offers a lower interest rate, with 15- and 30-year fixed terms, to Alaska first-time buyers (no home owned in 3 years) who meet income and purchase-cost limits. - [Interest Rate Reduction for Low-Income Borrowers](https://www.ahfc.us/buy/add-options/low-income-borrowers) (Alaska Housing Finance Corporation (AHFC)): Lower-income Alaska buyers can get a 0.5% or 1% lower interest rate on the first $180,000 of an Alaska Housing loan. Must not have owned a home in 3 years and must take a homebuyer class. - [Rural Owner-Occupied Loan](https://www.ahfc.us/buy/loan-programs/rural-programs) (Alaska Housing Finance Corporation (AHFC)): A reduced-rate Alaska Housing mortgage for owner-occupied homes in small rural communities. The lower rate applies to the first $250,000 borrowed. - [State Veterans Interest Rate Preference](https://www.ahfc.us/buy/add-options/state-veterans-interest-rate-preference) (Alaska Housing Finance Corporation (AHFC)): Qualified Alaska veterans get a 1% lower interest rate on the first $50,000 of most Alaska Housing single-family loans. - [Veterans Mortgage Program](https://www.ahfc.us/buy/loan-programs/vets) (Alaska Housing Finance Corporation (AHFC)): A reduced-rate Alaska Housing mortgage for qualified veterans who apply within 25 years of leaving active duty. Can be used for owner-occupied homes of 1 to 4 units. ### Arizona - [HOME Plus](https://homeplusaz.com/home-plus-dpa/) (Arizona Industrial Development Authority (Arizona IDA)): HOME Plus is a statewide Arizona 30-year fixed-rate mortgage paired with down payment help. You do not need to be a first-time buyer. Income must be $155,386 or less, and one buyer must take a homebuyer class. ### Arkansas - [ADFA Down Payment Assistance (DPA)](https://adfa.arkansas.gov/programs/homeloans/down-payment-assistance-program) (Arkansas Development Finance Authority (ADFA)): Arkansas buyers using a StartSmart or Move-Up mortgage can borrow $1,000 to $15,000 for down payment and closing costs. It is a 10-year second loan repaid monthly at the same rate as the main mortgage. - [Move-Up Loan Program](https://adfa.arkansas.gov/programs/homeloans/move-up-loan-program/) (Arkansas Development Finance Authority (ADFA)): Move-Up is a 30-year fixed-rate Arkansas mortgage with no first-time buyer requirement for buyers with qualifying income up to $142,000. It can be paired with state down payment help. - [StartSmart First-Time Homebuyer Program](https://adfa.arkansas.gov/programs/homeloans/startsmart-first-time-home-buyer-program/) (Arkansas Development Finance Authority (ADFA)): StartSmart is a below-market 30-year fixed-rate mortgage for Arkansas first-time buyers (no home owned in 3 years; waived for veterans and in certain counties). Price limit $500,000; income limits vary by county. ### California - [CalHFA Conventional](https://www.calhfa.ca.gov/homeownership/programs/loans-conventional.pdf) (California Housing Finance Agency (CalHFA)): CalHFA Conventional is a 30-year fixed-rate conventional mortgage with reduced mortgage insurance, offered through approved lenders. Homebuyer education is required. County income limits apply. - [CalHFA FHA](https://cloud.calhfa.ca.gov/homebuyer/programs/index.htm) (California Housing Finance Agency (CalHFA)): CalHFA FHA is a 30-year fixed-rate mortgage insured by the Federal Housing Administration, offered through approved lenders. It can be combined with MyHome down payment help. County income limits apply. - [CalHFA USDA](https://cloud.calhfa.ca.gov/homebuyer/programs/index.htm) (California Housing Finance Agency (CalHFA)): CalHFA USDA is a rural-area mortgage guaranteed by the U.S. Department of Agriculture that can be combined with MyHome down payment help. County income limits apply. - [CalHFA VA](https://cloud.calhfa.ca.gov/homebuyer/programs/index.htm) (California Housing Finance Agency (CalHFA)): CalHFA VA is a fixed-rate mortgage backed by the Department of Veterans Affairs for eligible veterans and service members, offered through approved lenders. County income limits apply. - [CalHFA Zero Interest Program (ZIP)](https://cloud.calhfa.ca.gov/homebuyer/programs/index.htm) (California Housing Finance Agency (CalHFA)): ZIP is a zero-interest loan of 2% or 3% of your mortgage amount for closing costs, bundled with CalPLUS mortgages in California. No payments until the main loan ends. - [CalPLUS Access Conventional](https://cloud.calhfa.ca.gov/homebuyer/programs/index.htm) (California Housing Finance Agency (CalHFA)): CalPLUS Access Conventional is a 30-year fixed-rate conventional mortgage bundled with MyHome and the MyAccess down payment loan. For first-time buyers. - [CalPLUS Access FHA](https://cloud.calhfa.ca.gov/homebuyer/programs/index.htm) (California Housing Finance Agency (CalHFA)): CalPLUS Access FHA is a 30-year fixed-rate mortgage insured by the Federal Housing Administration, bundled with MyHome and the MyAccess down payment loan. For first-time buyers. - [CalPLUS Conventional](https://www.calhfa.ca.gov/homeownership/materials/files/tool-matrix-conventional.pdf) (California Housing Finance Agency (CalHFA)): CalPLUS Conventional is a 30-year fixed-rate conventional mortgage with a slightly higher rate, bundled with the zero-interest closing-cost loan and MyHome. For first-time buyers. - [CalPLUS FHA](https://www.calhfa.ca.gov/homeownership/materials/files/tool-matrix-gov.pdf) (California Housing Finance Agency (CalHFA)): CalPLUS FHA is a 30-year fixed-rate mortgage insured by the Federal Housing Administration with a slightly higher rate, bundled with the zero-interest closing-cost loan and MyHome. For first-time buyers. - [MyAccess](https://cloud.calhfa.ca.gov/homebuyer/programs/index.htm) (California Housing Finance Agency (CalHFA)): MyAccess is a 1% interest loan of 2.5% of your mortgage amount for down payment or closing costs, bundled with CalPLUS Access mortgages and MyHome in California. Payments are deferred. - [MyHome Assistance Program](https://cloud.calhfa.ca.gov/homebuyer/programs/myhome.htm) (California Housing Finance Agency (CalHFA)): MyHome is a California down payment and closing cost loan for first-time buyers: up to 3.5% of the price with a Federal Housing Administration loan, or 3% with others. No monthly payments; repaid when you sell, refinance, or pay off. ### Colorado - [CHFA FirstGeneration / FirstGeneration Plus](https://www.chfainfo.com/getattachment/013bd34d-30b3-4176-ba09-8e67fe1b4b46/CHFA-FirstGeneration-matrix.pdf) (Colorado Housing and Finance Authority (CHFA)): A low-rate 30-year fixed mortgage for buyers whose parents or guardians never owned a home. County income and price limits apply. Comes with an optional $25,000 0% deferred second loan for down payment. - [CHFA FirstStep / FirstStep Plus](https://www.chfainfo.com/getattachment/4e0ac051-ffd8-468c-926c-2c9fb9547999/CHFA-FirstStep-and-Plus-matrix.pdf) (Colorado Housing and Finance Authority (CHFA)): CHFA's lowest-rate 30-year fixed mortgage, funded by tax-exempt bonds. For first-time buyers, qualified veterans, or anyone buying in a targeted area. County income and price limits apply. Can add a 0% deferred second loan. - [CHFA Preferred / Preferred Plus](https://www.chfainfo.com/getattachment/735fcbbb-d6da-4fde-a7be-bc44a3ac6372/CHFA-PreferredPurchase-matrix.pdf) (Colorado Housing and Finance Authority (CHFA)): A 30-year fixed-rate conventional mortgage for buyers under a statewide income limit. First-time buyer status is not required. The Plus version adds a 0% deferred second loan for down payment and closing costs. - [CHFA Preferred Very Low Income Program (VLIP)](https://www.chfainfo.com/getattachment/11bb9e36-1c37-4432-82e9-80bf9a3bcf54/CHFA-Preferred-VLIP-matrix.pdf) (Colorado Housing and Finance Authority (CHFA)): A 30-year fixed-rate conventional mortgage for lower-income buyers, with county-based income limits. First-time buyer status is not required. Can be paired with a 0% deferred second loan of up to 4% of the loan, capped at $25,000. - [CHFA Schools To Home](https://www.chfainfo.com/getattachment/4a80b626-f631-4ec0-8020-daff9c40ef82/CHFA-Schools-to-Home-Program-Matrix.pdf) (Colorado Housing and Finance Authority (CHFA)): A 30-year fixed-rate conventional mortgage for full-time Colorado public school (pre-K to 12) employees, with a large 0% deferred second loan. Statewide income limit; first-time status not required. - [CHFA SectionEight Homeownership / Homeownership Plus](https://www.chfainfo.com/getattachment/7d614146-f890-4e03-b0a0-8ce1634eb283/CHFA-Section8-Plus-matrix.pdf) (Colorado Housing and Finance Authority (CHFA)): A 30-year fixed-rate mortgage for first-time buyers who receive Section 8 housing voucher help, letting the voucher count toward the payment. Statewide income limit. Can pair with a grant or a 0% deferred second loan. - [CHFA SmartStep / SmartStep Plus](https://www.chfainfo.com/getattachment/3ae13693-82ec-498d-8d22-72987ad3f3ac/CHFA-SmartStep-Plus-matrix.pdf) (Colorado Housing and Finance Authority (CHFA)): A 30-year fixed-rate mortgage backed by federal loan programs, for buyers under a statewide income limit. First-time buyer status is not required. Can be paired with a down payment grant or a 0% deferred second loan. - [Colorado HFA1 / HFA1 Plus](https://www.chfainfo.com/getattachment/94c6cc9f-3617-4af0-872f-162409353303/CHFA-CO-HFA1-matrix.pdf) (Colorado Housing and Finance Authority (CHFA)): A 30-year fixed-rate mortgage available with federal or conventional loans, for buyers under a statewide income limit. First-time status not required. The Plus version adds a 0% deferred second loan. ### Connecticut - [CHFA Make it Yours (Bond) first mortgage](https://www.chfa.org/homebuyers-homeowners/homebuyers/homebuyer-mortgage-program/) (Connecticut Housing Finance Authority (CHFA)): Connecticut's below-market 30-year fixed home loan for first-time buyers (or anyone buying in a targeted area), using government-insured or conventional financing, with income and price limits by region. A homebuyer class is required before closing. - [CHFA Next Move (Non-Bond) first mortgage](https://www.chfa.org/homebuyers-homeowners/homebuyers/next-move-with-deferred-dpa-program-/) (Connecticut Housing Finance Authority (CHFA)): Next Move is a 30-year fixed Connecticut home loan for first-time and repeat buyers earning up to 120% of area median income, with a minimum 620 credit score. It can come with a 0% deferred down payment loan. ### Delaware - [Delaware Mortgage Program - Open Door (first mortgage)](https://www.destatehousing.com/homeownership-loans/) (Delaware State Housing Authority (DSHA)): Open Door is Delaware's home loan for first-time and repeat buyers, with higher income limits than Welcome Home. It can be paired with 3% or 4% zero-interest down payment loans. Minimum credit score 620. - [Delaware Mortgage Program - Smart Start (first mortgage without DPA)](https://www.destatehousing.com/homeownership-loans/) (Delaware State Housing Authority (DSHA)): Smart Start is a Delaware home loan option with a lower interest rate but no down payment or closing cost help, available to Welcome Home and Open Door buyers. - [Delaware Mortgage Program - Welcome Home (first mortgage)](https://www.destatehousing.com/homeownership-loans/) (Delaware State Housing Authority (DSHA)): Welcome Home is Delaware's below-market-rate home loan for first-time buyers and qualified veterans, with county income and price limits. Minimum credit score 620; counseling needed if your score is 659 or lower. ### District of Columbia - [DC Open Doors (first mortgage)](https://www.dchfa.org/homebuyers/dc-open-doors/) (DC Housing Finance Agency (DCHFA)): DC Open Doors is a 30-year fixed home loan for first-time and repeat buyers in the District with income up to $275,400, no price cap, and a minimum 640 credit score. It can come with a 0% deferred down payment loan. - [DC4ME (first mortgage for DC Government employees)](https://dchfa.org/homeownership/dc4me/) (DC Housing Finance Agency (DCHFA)): DC4ME offers a reduced-rate home loan to full-time District government employees, with optional 3% down payment help as a 0% deferred loan. Income up to $275,400; minimum credit score 640. - [Home Purchase Assistance Program (HPAP)](https://dhcd.dc.gov/hpap) (DC Department of Housing and Community Development (DHCD)): HPAP lends District first-time buyers with low to moderate income up to $202,000 toward buying a home, plus up to $4,000 for closing costs. Lower-income buyers pay nothing until they sell or move; others repay after five years. - [HomeAdvantage DC (mortgage revenue bond first mortgage)](https://dchfa.org/homeownership/homeadvantage-dc/) (DC Housing Finance Agency (DCHFA)): HomeAdvantage DC is a below-market 30-year fixed loan for first-time District buyers with income and price limits, optionally with down payment help of up to 3% (conventional) or 3.5% (government-insured). Minimum credit score 660. ### Florida - [Florida First Government Loan Program (FHA/VA/USDA)](https://www.floridahousing.org/programs/homebuyer-overview-page) (Florida Housing Finance Corporation): Florida's 30-year fixed home loan for first-time buyers using government-insured financing, with county income and price limits. Minimum credit score 640 and a homebuyer class required. - [Florida HFA Advantage (conventional first mortgage)](https://www.floridahousing.org/programs/homebuyer-overview-page) (Florida Housing Finance Corporation): Florida's 30-year fixed conventional home loan for first-time buyers, with reduced-cost mortgage insurance at lower incomes. It is the loan that pairs with the forgivable 3%-5% PLUS second loan. Minimum score 640. - [Florida HFA Preferred (conventional first mortgage)](https://www.floridahousing.org/programs/homebuyer-overview-page) (Florida Housing Finance Corporation): Florida's 30-year fixed conventional home loan for first-time buyers with reduced-cost mortgage insurance at or below 80% of area median income. Minimum credit score 640. ### Georgia - [Georgia Dream Homeownership Program (Standard first mortgage)](https://dca.georgia.gov/affordable-housing/home-ownership/georgia-dream-products/georgia-dream-lenders/lender-faqs) (Georgia Department of Community Affairs (DCA)): Georgia Dream is a 30-year fixed-rate home loan for first-time buyers (or anyone buying in a targeted area, and some veterans) with income and price limits. It pairs with a 0% deferred second loan for down payment and closing costs. Minimum credit score 640; you put in at least $1,000. - [Georgia Dream Peach Advantage (conventional first mortgage)](https://dca.georgia.gov/document/fact-sheets/georgia-dream-peach-advantage-matrix/download) (Georgia Department of Community Affairs (DCA)): Peach Advantage is a 30-year fixed conventional loan for first-time or repeat Georgia buyers earning up to 150% of area median income, with an optional 0% deferred second loan of 2% to 5% of the loan amount. Minimum credit score 640. - [Georgia Dream Peach Plus (first mortgage)](https://dca.georgia.gov/document/resources/georgia-dream-peach-plus-matrix/download) (Georgia Department of Community Affairs (DCA)): Peach Plus is a 30-year fixed-rate Georgia Dream loan for first-time or repeat buyers with higher income and price limits than the standard program, paired with a 0% deferred second loan. Minimum credit score 640; at least $1,000 from you. - [Georgia Dream Peach Select VA Loan Program](https://dca.georgia.gov/node/13581) (Georgia Department of Community Affairs (DCA)): Peach Select is a low fixed-rate 30-year Georgia Dream loan backed by the Department of Veterans Affairs for eligible veterans and service members. It has no built-in down payment help. ### Hawaii - [Hale Kamaʻāina Mortgage Program](https://dbedt.hawaii.gov/hhfdc/hk-mortgage-program/) (Hawaii Housing Finance and Development Corporation (HHFDC)): A below-market 30-year fixed-rate mortgage for first-time buyers in Hawaii (veterans and buyers in targeted areas may be exempt). County income and price limits apply; housing counseling is required. ### Idaho - [Idaho Housing First Loan (Conventional HFA, FHA, VA, USDA-RD)](https://idahohousing.com/homebuyers/) (Idaho Housing and Finance Association): Idaho Housing's 30-year fixed-rate home loans (conventional, government-backed, veteran and rural options) through approved lenders, for households earning up to $170,000. First-time and repeat buyers can apply. ### Illinois - [IHDA Access 30-Year Fixed-Rate Mortgage](https://www.ihda.org/?p=83) (Illinois Housing Development Authority): IHDA's 30-year fixed-rate home loan through participating lenders, paired with one of the Access down payment help options. Needs a 640 credit score, income and price limits apply, and you take a homebuyer counseling class. ### Indiana - [IHCDA First Step](https://www.in.gov/ihcda/files/HOD-Universal-Program-Guide-Final%2010.16.26.pdf) (Indiana Housing and Community Development Authority): A bond-funded 30-year fixed-rate home loan for first-time buyers (waived in targeted areas and for qualified veterans) with a down payment assistance second loan. Needs a 660 credit score; county income and price limits apply. - [IHCDA Next Home](https://www.in.gov/ihcda/files/HOD-Universal-Program-Guide-Final%2010.16.26.pdf) (Indiana Housing and Community Development Authority): A 30-year fixed-rate home loan open to first-time and repeat buyers, with a choice of 2.5% or 3.5% down payment help. Needs a 660 credit score; income limits apply but there is no home price cap. - [IHCDA Step Down](https://www.in.gov/ihcda/files/HOD-Universal-Program-Guide-Final%2010.16.26.pdf) (Indiana Housing and Community Development Authority): A bond-funded 30-year fixed-rate home loan with a lower interest rate instead of down payment help, for first-time buyers (waived in targeted areas and for qualified veterans). Needs a 660 credit score. ### Iowa - [FirstHome](https://opportunityiowa.gov/housing/homeownership-programs/firsthome-program) (Iowa Finance Authority): FirstHome is Iowa's below-market-rate home loan for first-time buyers (not required for some military members or in targeted areas). Needs a 640 credit score, homebuyer education, and income and price limits apply. - [Homes for Iowans](https://opportunityiowa.gov/housing/homeownership-programs/homes-iowans) (Iowa Finance Authority): Homes for Iowans is a home loan for first-time and repeat buyers anywhere in Iowa, with household income up to $171,360 and a price limit of $692,000. Needs a 640 credit score and homebuyer education. - [Military Homeownership Assistance Program](https://opportunityiowa.gov/housing/homeownership-programs/military-homeownership-assistance-program) (Iowa Finance Authority): A $5,000 grant toward the down payment and closing costs for eligible service members, veterans and surviving spouses buying in Iowa. It can be combined with FirstHome or Homes for Iowans. ### Kansas - [Kansas First Time Homebuyer (FTHB) Program](https://kshousingcorp.org/?p=184) (Kansas Housing Resources Corporation (KHRC)): A 0% loan for down payment and closing costs of up to 15% of the price (up to $40,000), forgiven if you live in the home 10 years. For first-time buyers earning up to 80% of area median income; counseling required. ### Kentucky - [KHC Mortgage Revenue Bond (MRB) First Mortgage](https://www.kyhousing.org/Partners/Mortgage-Lending/Documents/REA.pdf) (Kentucky Housing Corporation (KHC)): A Kentucky Housing Corporation home loan funded by tax-exempt bonds for first-time buyers (repeat buyers allowed in targeted areas). Household income limits vary by county and family size, with higher limits in targeted areas. - [KHC Secondary Market First Mortgage (FHA, VA, Rural Housing)](https://www.kyhousing.org/Partners/Mortgage-Lending/Documents/REA.pdf) (Kentucky Housing Corporation (KHC)): A 30-year fixed-rate home loan through Kentucky Housing Corporation for first-time and repeat buyers, insured by federal housing, veterans or rural housing programs. Income and price limits apply; can be paired with Kentucky Housing down payment help. ### Louisiana - [HomeStart Advantage](https://www.lhc.la.gov/homestartadvantage) (Louisiana Housing Corporation): A 30-year fixed-rate mortgage open to first-time and repeat buyers statewide with household income up to $125,000, paired with a 4% forgivable second loan. You cannot own another home at closing. - [HomeStart Assist](https://www.lhc.la.gov/homestartassist) (Louisiana Housing Corporation): A 30-year fixed-rate mortgage for first-time buyers statewide, paired with a 4% forgivable second loan for down payment and closing costs. Income limits depend on area; a homebuyer class is required. - [HomeStart Plus](https://www.lhc.la.gov/homestartplus) (Louisiana Housing Corporation): A 30-year fixed-rate mortgage for first-time buyers earning up to 80% of area median income who buy in certain parishes hit by Hurricanes Laura, Delta or Ida, with a large forgivable second loan and a closing cost grant. - [HomeStart Ready](https://www.lhc.la.gov/homestartready) (Louisiana Housing Corporation): A 30-year fixed-rate mortgage for first-time or repeat buyers with qualifying income up to $99,000. No down payment help is currently attached. First-time buyers must take a homebuyer class. ### Maine - [First Home Loan](https://www.mainehousing.org/homeloan) (Maine State Housing Authority (MaineHousing)): A low fixed-rate 30-year mortgage for first-time buyers in Maine, with zero-point and two-point rate options. Income and price limits apply but most Maine households and homes qualify. ### Maryland - [1st Time Advantage (Direct)](https://mmp.maryland.gov/media/57) (Maryland Department of Housing and Community Development (Community Development Administration) - Maryland Mortgage Program): Maryland's lowest-rate 30-year fixed mortgage for first-time buyers, without down payment help. It is the base loan for the 1st Time Advantage down payment loan options. A homebuyer class is required. - [Flex (Direct)](https://mmp.maryland.gov/media/46) (Maryland Department of Housing and Community Development (Community Development Administration) - Maryland Mortgage Program): A 30-year fixed-rate state mortgage open to repeat as well as first-time buyers, at a competitive rate, without down payment help unless paired with a Flex down payment loan. - [Maryland SmartBuy 3.0](https://mmp.maryland.gov/media/33) (Maryland Department of Housing and Community Development (Community Development Administration) - Maryland Mortgage Program): A 30-year conventional mortgage for first-time buyers with student loans: the state helps pay off your student debt at closing, with optional down payment help. Requires a 720 credit score. ### Massachusetts - [MassHousing Mortgage](https://www.masshousing.com/buy-a-home/programs/) (Massachusetts Housing Finance Agency (MassHousing)): A fixed-rate 30-year mortgage for buyers in every Massachusetts community, with conventional and Federal Housing Administration options, built-in job-loss payment protection, and pairing with state down payment loans. - [ONE Mortgage](https://www.mhp.net/one-mortgage) (Massachusetts Housing Partnership (MHP), with Executive Office of Housing and Livable Communities): A 30-year fixed-rate mortgage for first-time buyers with as little as 3% down and no private mortgage insurance. Lower-income buyers can get a state subsidy that lowers payments in the early years. ### Michigan - [MI Home Loan](https://www.michigan.gov/mshda/homeownership/mi-home-loan) (Michigan State Housing Development Authority (MSHDA)): A state mortgage for first-time buyers statewide, and for repeat buyers in targeted areas, with income limits by area and a statewide price cap. It can be paired with the MI 10K down payment loan. - [MSHDA Mortgage Credit Certificate](https://www.michigan.gov/mshda/pathway-to-housing/mortgage-credit-certificate-program) (Michigan State Housing Development Authority (MSHDA)): A federal tax credit certificate that lets eligible buyers claim 20% of the mortgage interest they pay each year as a credit against their taxes, for the life of the loan up to 30 years. ### Minnesota - [Start Up](https://partners.mnhousing.gov/home/homeownership/buy-home-refinance) (Minnesota Housing Finance Agency (Minnesota Housing)): A fixed-rate mortgage for first-time buyers in Minnesota with income and price limits by county. It can be paired with a deferred or monthly-payment loan for down payment and closing costs. A homebuyer class is required. - [Step Up](https://partners.mnhousing.gov/home/homeownership/buy-home-refinance) (Minnesota Housing Finance Agency (Minnesota Housing)): A fixed-rate mortgage for repeat buyers, or first-time buyers over the Start Up limits, with higher income limits. It can be paired with a monthly-payment loan of up to $14,000 for down payment and closing costs. ### Mississippi - [JustRate (Mortgage Revenue Bond first mortgage)](https://www.mshomecorp.com/justrate/) (Mississippi Home Corporation): JustRate is a 30-year fixed-rate mortgage at a lower bond-funded rate, with no down payment help. First-time buyers qualify; veterans and buyers in target areas are exempt from that rule. County income limits apply. - [Smart7 (formerly Smart6) first mortgage](https://www.mshomecorp.com/programs/smart7/) (Mississippi Home Corporation): Smart7 is a 30-year fixed-rate mortgage from Mississippi Home Corporation that comes with $7,000 for down payment or closing costs. You do not have to be a first-time buyer, but income and price caps apply. ### Missouri - [First Place Loan Program](https://mhdc.com/services/homebuyer-programs/first-place/) (Missouri Housing Development Commission): First Place is a 30-year fixed-rate mortgage for first-time buyers and qualified veterans in Missouri, with an option for down payment help. No minimum down payment. Income and price limits vary by area. - [Next Step Loan Program](https://mhdc.com/services/homebuyer-programs/next-step/) (Missouri Housing Development Commission): Next Step is a 30-year fixed-rate mortgage for first-time and repeat buyers in Missouri, with higher income limits than First Place. No minimum down payment. ### Montana - [80% Combined Program](https://commerce.mt.gov/Housing/Lenders-Realtors/80-Combined-Program) (Montana Board of Housing (Montana Department of Commerce, Housing Division)): The 80% Combined program pairs a Montana Board of Housing conventional loan for 80% of the price with a 20% second loan from a partner nonprofit, so no mortgage insurance is needed. You put in at least 1% of the price. - [MBOH Mortgage Credit Certificate](https://commerce.mt.gov/Housing/Homeownership/Home-Loans) (Montana Board of Housing (Montana Department of Commerce, Housing Division)): A federal tax credit worth up to 20% of the mortgage interest you pay each year, up to $2,000, used with a participating lender's own loan (not a Board of Housing loan). One-time $750 fee. - [Montana Veterans' Home Loan Program](https://commerce.mt.gov/Housing/Homeownership/Home-Loans) (Montana Board of Housing (Montana Department of Commerce, Housing Division)): A lower-rate mortgage for Montana service members and veterans buying their very first home. No income or price limits, but a loan cap of $538,036. Funding comes and goes, first come, first served. - [Regular Bond Program](https://commerce.mt.gov/Housing/Homeownership/Home-Loans) (Montana Board of Housing (Montana Department of Commerce, Housing Division)): Montana's Regular Bond loan is a 30-year fixed-rate, lower-interest mortgage for buyers who have not owned a home in three years (waived for qualified veterans and targeted areas). Income and price limits vary by county. - [Set-aside Loan Programs](https://commerce.mt.gov/Housing/Lenders-and-Real-Estate-Agents/Set-aside-Programs) (Montana Board of Housing (Montana Department of Commerce, Housing Division)): Set-aside loans give a lower mortgage rate to lower-income buyers who also get down payment help from an approved local partner such as a nonprofit or city. The partner covers the gap, from $1,500 to $45,000. ### Nebraska - [First Home Program](https://www.nifa.org/homebuyers-renters/first-home-program) (Nebraska Investment Finance Authority): First Home is a lower-rate mortgage for Nebraska buyers who have not owned a home in three years (veterans and target-area buyers exempt). Minimum credit score 640, homebuyer class required. Income and price limits apply. - [Military Home Program](https://www.nifa.org/homebuyers-renters/military-home) (Nebraska Investment Finance Authority): Military Home is a government-backed mortgage at a reduced rate for active-duty or reserve service members and qualified veterans in Nebraska. Veterans do not need to be first-time buyers. - [Welcome Home Program](https://www.nifa.org/homebuyers-renters/welcome-home) (Nebraska Investment Finance Authority): Welcome Home is a fixed-rate mortgage for first-time and repeat Nebraska buyers with household income up to $182,800. Minimum credit score 640; first-time buyers take a homebuyer class. ### Nevada - [Home At Last (first mortgage)](https://nvrural.org/programs/homeownership/down-payment-assistance/) (Nevada Rural Housing (Nevada Rural Housing Authority)): Home At Last is a fixed-rate mortgage for homes in rural Nevada, open to first-time and repeat buyers earning up to $165,000. Minimum credit score 620; homebuyer class required for everyone on the loan. - [Home Is Possible (HIP-DPA, first-time and repeat buyers)](https://www.homeispossiblenv.org/home-possible) (Nevada Housing Division (Nevada Department of Business and Industry)): Home Is Possible is a 30-year fixed-rate mortgage for first-time or repeat Nevada buyers earning up to $165,000, with 3% or 5% down payment help. Homes up to $832,750. Homebuyer class required. - [Home Is Possible for First-Time Homebuyers](https://www.homeispossiblenv.org/home-possible-program) (Nevada Housing Division (Nevada Department of Business and Industry)): Home Is Possible for First-Time Homebuyers is a 30-year fixed-rate mortgage for Nevada buyers who have not owned a home in three years, with 2% or 4% down payment help. Minimum credit score 640; homebuyer class required. - [Home Is Possible for Heroes](https://veterans.nv.gov/housing) (Nevada Housing Division (Nevada Department of Business and Industry)): Home Is Possible for Heroes is a below-market fixed-rate 30-year mortgage for Nevada veterans, National Guard members, active-duty personnel, and surviving spouses. No first-time buyer rule. - [Home Is Possible for Teachers](https://www.homeispossiblenv.org/home-possible-teachers) (Nevada Housing Division (Nevada Department of Business and Industry)): Nevada public school teachers can get $7,500 toward down payment and closing costs, forgiven over five years if they stay in the home. No first-time buyer requirement. Available through December 31, 2026. - [Launchpad (mortgage revenue bond)](https://nvrural.org/programs/homeownership/down-payment-assistance/) (Nevada Rural Housing (Nevada Rural Housing Authority)): Launchpad is a 30-year fixed-rate mortgage for rural Nevada buyers, first-time or repeat, earning up to $165,000, with 3% or 5% down payment help. - [Launchpad for First-Time Homebuyers](https://nvrural.org/programs/homeownership/down-payment-assistance/) (Nevada Rural Housing (Nevada Rural Housing Authority)): Launchpad for First-Time Homebuyers is a lower-rate 30-year fixed mortgage in rural Nevada with 2% or 4% down payment help, for buyers who have not owned a home in three years. - [Worker Advantage Program](https://www.homeispossiblenv.org/veterans) (Nevada Housing Division (Nevada Department of Business and Industry)): Worker Advantage gives $20,000 toward a home for Nevada essential workers in health care, education, public safety, or construction, earning up to 150% of local median income. Zero interest, no payments; repaid later. ### New Hampshire - [1stGenHomeNH (first-generation down payment assistance)](https://www.nhhfa.org/wp-content/uploads/2026/02/About-NH-Housing-December-2025.pdf) (New Hampshire Housing Finance Authority (New Hampshire Housing)): 1stGenHomeNH gives first-generation homebuyers an extra $10,000 toward the down payment, on top of New Hampshire Housing's regular down payment help, as a 0% second loan with no monthly payments. You must use a New Hampshire Housing first mortgage. - [Cash Assistance Program (down payment assistance)](https://nhhfa.org/?p=33993) (New Hampshire Housing Finance Authority (New Hampshire Housing)): New Hampshire Housing gives $5,000, $10,000, or $15,000 toward your down payment as a 0% second loan with no monthly payments and a 30-year term. You must also take a New Hampshire Housing first mortgage. Not limited to first-time buyers. - [Home First](https://www.nhhfa.org/wp-content/uploads/2026/02/About-NH-Housing-December-2025.pdf) (New Hampshire Housing Finance Authority (New Hampshire Housing)): Home First is a New Hampshire Housing fixed-rate home loan for first-time buyers and for buyers in targeted communities, with a favorable rate. Income and price limits apply. It can be combined with down payment assistance. - [Home Flex](https://www.nhhfa.org/wp-content/uploads/2026/02/About-NH-Housing-December-2025.pdf) (New Hampshire Housing Finance Authority (New Hampshire Housing)): Home Flex is a New Hampshire Housing fixed-rate home loan insured by the federal government, with a low down payment. It can be combined with New Hampshire Housing's down payment assistance. Apply through a participating lender. - [Home Preferred](https://www.nhhfa.org/wp-content/uploads/2026/02/About-NH-Housing-December-2025.pdf) (New Hampshire Housing Finance Authority (New Hampshire Housing)): Home Preferred is a New Hampshire Housing conventional home loan with a reduced mortgage insurance option. It can be combined with New Hampshire Housing's down payment assistance. Apply through a participating lender. ### New Jersey - [First-Time Homebuyer Mortgage Program](https://www.nj.gov/dca/hmfa/homebuyers-and-renters/homebuyers/) (New Jersey Housing and Mortgage Finance Agency (NJHMFA)): A 30-year fixed-rate government-insured mortgage for New Jersey first-time buyers within county income and price limits. Can be paired with up to $15,000 in forgivable down payment help. - [HFA Advantage Mortgage Program](https://www.nj.gov/dca/hmfa/homebuyers-and-renters/homebuyers/) (New Jersey Housing and Mortgage Finance Agency (NJHMFA)): A 30-year fixed-rate conventional mortgage with low down payment and lower-cost mortgage insurance for New Jersey buyers within county income limits. First-time buyer status is needed only if you add down payment help. - [Homeward Bound Mortgage Program](https://www.nj.gov/dca/hmfa/homebuyers-and-renters/homebuyers/) (New Jersey Housing and Mortgage Finance Agency (NJHMFA)): A 30-year fixed-rate government-insured mortgage for New Jersey buyers within county income limits. You don't have to be a first-time buyer unless you add the state's down payment help. - [Police and Firemen's Retirement System (PFRS) Mortgage Program](https://www.nj.gov/dca/hmfa/homebuyers-and-renters/homebuyers/) (New Jersey Housing and Mortgage Finance Agency (NJHMFA)): A 30-year fixed-rate conventional mortgage for active New Jersey police officers and firefighters in the state retirement system with at least one year of service. Up to 85% of the home's value; rates set twice a year. ### New Mexico - [FirstHome](https://housingnm.org/programs/homebuyers/mortgage-programs) (Housing New Mexico (New Mexico Mortgage Finance Authority, MFA)): A fixed-rate first mortgage for New Mexico first-time buyers with low to moderate incomes, within county income and price limits. You don't have to be a first-time buyer in some designated areas. Can be paired with state down payment loans. - [HomeForward](https://housingnm.org/programs/homebuyers/mortgage-programs) (Housing New Mexico (New Mexico Mortgage Finance Authority, MFA)): A first mortgage for New Mexico first-time or repeat buyers with low to moderate incomes, with simpler paperwork. Can be paired with a down payment loan of up to 3% of the price. - [New Homes for New Mexico](https://housingnm.org/funding-opportunities/rfps-rfqs/new-homes-for-new-mexico-notice-of-funding-availability) (Housing New Mexico (New Mexico Mortgage Finance Authority, MFA)): Down payment help for buyers of newly built starter homes in New Mexico, offered through participating home builders. Amounts and terms are set by the program; ask the builder. ### New York - [Achieving the Dream](https://hcr.ny.gov/achieving-dream-program) (State of New York Mortgage Agency (SONYMA), NY Homes and Community Renewal): The state's lowest-rate 30-year fixed mortgage for lower-income New York first-time buyers, with no points and as little as 3% down. Veterans and buyers in designated areas needn't be first-time buyers. Down payment help available. - [Conventional Plus](https://hcr.ny.gov/conventional-plus-program-fha-plus-program) (State of New York Mortgage Agency (SONYMA), NY Homes and Community Renewal): A 30-year fixed conventional mortgage paired with state down payment help for New York buyers earning under 80% of area median income. First-time and repeat buyers can apply. - [Down Payment Assistance Loan (DPAL)](https://hcr.ny.gov/down-payment-assistant-loan-dpal-0) (State of New York Mortgage Agency (SONYMA), NY Homes and Community Renewal): A zero-interest add-on loan of the larger of $3,000 or 3% of the price (up to $15,000) for down payment and closing costs, forgiven after 10 years. Only with a state mortgage; it raises your rate slightly. - [FHA Plus](https://hcr.ny.gov/conventional-plus-program-fha-plus-program) (State of New York Mortgage Agency (SONYMA), NY Homes and Community Renewal): A 30-year fixed government-insured mortgage combined with state down payment and closing cost help, for New York first-time or returning buyers. - [Homes for Veterans](https://hcr.ny.gov/homes-veterans-program) (State of New York Mortgage Agency (SONYMA), NY Homes and Community Renewal): State mortgages for veterans, active service members and their spouses in New York, with a lower rate when paired with down payment help (the larger of $3,000 or 3%, up to $15,000). Veterans needn't be first-time buyers. - [Low Interest Rate Program](https://hcr.ny.gov/low-interest-rate-program-0) (State of New York Mortgage Agency (SONYMA), NY Homes and Community Renewal): A 30-year fixed-rate mortgage for New York first-time buyers with as little as 3% down and optional down payment help. Higher income limits than Achieving the Dream. Veterans and buyers in designated areas needn't be first-time buyers. - [Repayable Second Lien (RSL)](https://hcr.ny.gov/sonyma-repayable-second-lien-term-sheet) (State of New York Mortgage Agency (SONYMA), NY Homes and Community Renewal): A zero-interest second loan of up to 5% of the price for down payment and closing costs, with no monthly payments; you repay it when the state first mortgage is paid off. Raises your first-mortgage rate slightly. ### North Carolina - [NC Home Advantage Mortgage](https://www.nchfa.com/home-buyers/buy-home/nc-home-advantage-mortgage) (North Carolina Housing Finance Agency (NCHFA)): A 30-year fixed-rate home loan from the North Carolina Housing Finance Agency for first-time and move-up buyers with income up to $158,000 and a 640 credit score. Can be paired with down payment help. ### North Dakota - [FirstHome](https://www.ndhousing.nd.gov/homebuyers) (North Dakota Housing Finance Agency (NDHFA)): A low-rate 30-year home loan from the North Dakota Housing Finance Agency for buyers who haven't owned a home in 3 years. Income limits are about $105,730 to $121,590 by household size; $500 of your own or gifted money is required. - [North Dakota Roots](https://www.ndhousing.nd.gov/homebuyers) (North Dakota Housing Finance Agency (NDHFA)): A 30-year home loan from the North Dakota Housing Finance Agency with no income or price limits, for buyers who earn too much for FirstHome or have owned before. Can be paired with Start down payment help. - [Targeted Area Loan](https://www.ndhousing.nd.gov/homebuyers) (North Dakota Housing Finance Agency (NDHFA)): A reduced-interest home loan from the North Dakota Housing Finance Agency for homes in certain designated areas of Cass and Sioux counties, while set-aside funds last. Income and price limits apply. ### Ohio - [OHFA First-Time Homebuyer Program](https://myohiohome.org/homebuyerprogram.aspx) (Ohio Housing Finance Agency (OHFA)): A 30-year fixed-rate home loan for first-time buyers in Ohio, with income and price limits that vary by county. Veterans and buyers in target areas don't have to be first-time buyers. Down payment help and a mortgage tax credit can be added. - [OHFA Mortgage Tax Credit Basic (MCC)](https://ohiohome.org/partners/documents/MTC-BasicTermSheet-2025.pdf) (Ohio Housing Finance Agency (OHFA)): A yearly federal tax credit of 15% of your mortgage interest (20% in target areas) for first-time buyers in Ohio, usable with a fixed-rate loan from an approved lender even if it is not a state loan. A $500 fee may apply. - [OHFA Mortgage Tax Credit Plus (MCC)](https://myohiohome.org/mortgagetaxcredit.aspx) (Ohio Housing Finance Agency (OHFA)): A yearly federal tax credit equal to 40% of the mortgage interest you pay, up to $2,000 a year, when you use an Ohio state home loan as a first-time buyer. It can be combined with down payment help. - [OHFA Next Home](https://myohiohome.org/homebuyerprogram.aspx) (Ohio Housing Finance Agency (OHFA)): An Ohio state 30-year fixed-rate home loan for people who have owned a home before, with optional down payment help. Income and price limits apply. ### Oklahoma - [OHFA DREAM Loan Program](https://www.ohfa.org/dpaproducts/) (Oklahoma Housing Finance Agency (OHFA)): A state-backed home loan for Oklahoma buyers who do not need to be first-time buyers, with income and price limits. It includes help of up to 3.5% of the loan for down payment and closing costs. - [OHFA GOLD Loan Program (Mortgage Revenue Bond)](https://www.ohfa.org/dpaproducts/) (Oklahoma Housing Finance Agency (OHFA)): A state-backed 30-year home loan for first-time buyers in Oklahoma (first-time rule waived in targeted areas), with income and price limits. It comes with help of up to 3.5% of the loan for down payment and closing costs. - [Oklahoma Housing Stability Program - Consumer Down Payment & Closing Cost Assistance](https://www.ohfa.org/housingstability/) (Oklahoma Housing Finance Agency (OHFA)): A grant of 5% of the purchase price toward down payment and closing costs when you buy a home built through Oklahoma's state homebuilder or housing trust fund programs. ### Oregon - [Flex Lending: FirstHome](https://www.oregon.gov/ohcs/homeownership/lenders-real-estate-professionals/Pages/firsthome-lenders.aspx) (Oregon Housing and Community Services (OHCS)): Oregon's state-backed 30-year fixed home loan for first-time buyers with low to moderate incomes. It comes with down payment help of 4% or 5% of the loan. Homebuyer education is required. - [Flex Lending: NextStep](https://www.oregon.gov/ohcs/homeownership/lenders-real-estate-professionals/Pages/nextstep-lenders.aspx) (Oregon Housing and Community Services (OHCS)): Oregon's state-backed 30-year fixed home loan for buyers earning up to $125,000, including people who owned a home before (but who own none at closing). It comes with down payment help of 4% or 5% of the loan. - [OHCS Down Payment Assistance (via awarded local organizations)](https://www.oregon.gov/ohcs/homeownership/homebuyers/Pages/down-payment-assistance.aspx) (Oregon Housing and Community Services (OHCS) funds; delivered by awarded local organizations): State-funded down payment and closing cost help of up to $60,000 or 20% of the price (whichever is less), given through local organizations, for first-time or first-generation buyers earning up to the area median. Education and counseling are required. ### Pennsylvania - [HFA Preferred (Lo MI)](https://www.phfa.org/programs/homepurchase.aspx) (Pennsylvania Housing Finance Agency (PHFA)): A Pennsylvania state-backed conventional 30-year fixed loan with reduced mortgage insurance, for buyers earning up to 80% of the area median. You don't need to be a first-time buyer; homebuyer counseling is required. - [Keystone Flex (with K-FIT or K-DATE) / Keystone Flex Purchase & Improvement](https://www.phfa.org/programs/homepurchase.aspx) (Pennsylvania Housing Finance Agency (PHFA)): A Pennsylvania state-backed 30-year fixed home loan that must be paired with state down payment help (forgivable or deferred). Income up to $212,000 statewide; an option adds up to $30,000 for repairs. - [Keystone Government Loan (K-Gov)](https://www.phfa.org/programs/purchase/kgl.aspx) (Pennsylvania Housing Finance Agency (PHFA)): A Pennsylvania state-backed home loan insured or guaranteed by a federal agency (for example, a Federal Housing Administration or Veterans Affairs loan). You do not need to be a first-time buyer and there are no state income or price limits. - [Keystone Home Loan](https://www.phfa.org/programs/purchase/khl.aspx) (Pennsylvania Housing Finance Agency (PHFA)): Pennsylvania's state-backed home loan for first-time buyers (rule waived for veterans and in targeted areas), with income and price limits by county. Can be paired with state down payment and closing cost help. ### Rhode Island - [RIHousing First-time Homebuyer Loan](https://www.rihousing.com/homebuyers/) (RIHousing (Rhode Island Housing and Mortgage Finance Corporation)): Rhode Island's state-backed home loan for first-time buyers, with up to 100% financing available and options for down payment and closing cost help. Homebuyer education is required before closing. ### South Carolina - [Made It Home! Program](https://schousing.sc.gov/sites/schousing/files/2026-02/Made%20It%20Home/MADE%20IT%20HOME%20PROGRAM%20GUIDE%20(02.02.2026).pdf) (South Carolina State Housing Finance and Development Authority (SC Housing)): $25,000 in forgivable down payment help for buying one of a limited number of new homes priced up to $200,000 from approved builders in South Carolina. No interest or payments; forgiven over 10 years. - [Palmetto Home Advantage (Non-Bond)](https://www.schousing.sc.gov/homebuyers/programs-homebuyers/palmetto-home-advantage) (South Carolina State Housing Finance and Development Authority (SC Housing)): A 30-year fixed-rate South Carolina home loan for moderate-income buyers, first-time or not, with a statewide income cap and no price limit. Optional forgivable down payment help of 3% or 4% of the loan. - [SC Housing Homebuyer (Bond) Program](https://www.schousing.sc.gov/homebuyers/programs-homebuyers/sc-housing-homebuyer-program) (South Carolina State Housing Finance and Development Authority (SC Housing)): A 30-year fixed-rate home loan for first-time buyers in South Carolina (repeat buyers allowed in targeted counties), with county income limits and a $450,000 price cap. Can be paired with $10,000 in forgivable down payment help. ### South Dakota - [Governor's House Program](https://www.sdhousing.org/ready-to-buy/available-programs) (South Dakota Housing (South Dakota Housing Development Authority)): Lower-cost, energy-efficient two- and three-bedroom homes built by a state training program and sold to South Dakota residents whose household income is at or below the state median. - [South Dakota Housing First-Time Homebuyer Program](https://www.sdhousing.org/ready-to-buy/first-time-homebuyer) (South Dakota Housing (South Dakota Housing Development Authority)): A 30-year fixed-rate home loan for South Dakota buyers who haven't owned a home in three years, with income limits and a $410,000 price cap. Down payment help of 3% or 5% of the loan can be added. - [South Dakota Housing Repeat Homebuyer Program](https://sdhousing.org/homebuyer-do-i-qualify) (South Dakota Housing (South Dakota Housing Development Authority)): A fixed-rate South Dakota state home loan for people who have owned a home before, with income limits, a $460,000 price cap, and optional down payment help. - [South Dakota Housing Tax Credit (Mortgage Credit Certificate)](https://www.sdhousing.org/ready-to-buy/sdhda-tax-credit-mcc) (South Dakota Housing (South Dakota Housing Development Authority)): A yearly federal tax credit of up to half of the mortgage interest you pay, capped at $2,000 a year, for South Dakota buyers who haven't owned a home in three years. A $250 fee applies. ### Tennessee - [Freddie Mac HFA Advantage (THDA)](https://thda.org/homeownerships/gc97-freddie-mac-hfa-advantage/) (Tennessee Housing Development Agency (THDA)): A conventional 30-year fixed home loan through the state housing agency, open to first-time and repeat buyers, using the lender's qualifying income limits. Can be paired with down payment help. - [Great Choice Home Loan](https://thda.org/homebuyers/first-time) (Tennessee Housing Development Agency (THDA)): A 30-year fixed-rate home loan from the state for moderate-income Tennessee buyers. Everyone on the loan needs a 640 credit score. Income and price limits vary by county; repeat buyers can qualify in targeted areas. - [Homeownership for Heroes (formerly Homeownership for the Brave)](https://thda.org/homebuyers/homeownership-for-heroes) (Tennessee Housing Development Agency (THDA)): A Great Choice home loan with a reduced interest rate for military members, veterans, police, firefighters, paramedics and some school staff. Veterans don't need to be first-time buyers. Can be paired with Great Choice Plus help. ### Texas - [Home Sweet Texas Home Loan Program](https://www.tsahc.org/homebuyers-renters/home-sweet-texas-home-loan-program) (Texas State Affordable Housing Corporation (TSAHC)): A fixed-rate Texas home loan for low- and moderate-income buyers, with optional help of up to 5% of the loan as a grant or a loan forgiven after 3 years. Needs a 620 credit score and a homebuyer class. - [Homes for Texas Heroes](https://www.tsahc.org/homebuyers-renters/homes-for-texas-heroes-program) (Texas State Affordable Housing Corporation (TSAHC)): A fixed-rate Texas home loan for teachers, police, firefighters, corrections officers, jailers, paramedics and veterans, with optional help of up to 5% of the loan as a grant or a loan forgiven after 3 years. Homebuyer class required. - [My Choice Texas Home](https://welcomehome.tdhca.texas.gov/homebuyer-assistance-program-guide) (Texas Department of Housing and Community Affairs (TDHCA)): A 30-year fixed-rate home loan open to first-time and repeat buyers and veterans in Texas, with optional help of 2% to 5% of the loan. Requires a 620 credit score and a homebuyer class. Income limits apply; no price limit. - [My First Texas Home](https://welcomehome.tdhca.texas.gov/homebuyer-assistance-program-guide) (Texas Department of Housing and Community Affairs (TDHCA)): A 30-year fixed-rate home loan for first-time buyers and qualified veterans in Texas, with optional help of 2% to 5% of the loan for down payment and closing costs. Requires a 620 credit score and a homebuyer class. - [TSAHC Mortgage Credit Certificate (DPA combo)](https://www.tsahc.org/landing/mortgage-credit-certificate-program) (Texas State Affordable Housing Corporation (TSAHC)): A federal tax credit worth 15% of the mortgage interest you pay each year, for first-time buyers and veterans using a Home Sweet Texas or Homes for Texas Heroes loan. Income and price limits apply. - [Texas Mortgage Credit Certificate](https://welcomehome.tdhca.texas.gov/homebuyer-assistance-program-guide) (Texas Department of Housing and Community Affairs (TDHCA)): A federal tax credit for first-time buyers and qualified veterans that returns part of the mortgage interest you pay each year. Can be used alone with a regular lender loan or with My First Texas Home. Income and price limits apply. ### Utah - [FHA/VA Mortgage (Utah Housing)](https://utahhousingcorp.org/homebuyer/homeownershipPrograms/) (Utah Housing Corporation): A 30-year fixed-rate government-insured home loan in Utah for first-time or repeat buyers. Needs a 620 credit score; household income up to $165,200 and no price limit. Can be paired with down payment help. - [FirstHome](https://utahhousingcorp.org/homebuyer/homeownershipPrograms/) (Utah Housing Corporation): A 30-year fixed-rate home loan for first-time buyers in Utah, usually with the agency's lowest rate. Needs a 660 credit score. Income and price limits vary by county; can be paired with a down payment assistance second loan. - [Freddie Mac HFA Advantage (Utah Housing)](https://utahhousingcorp.org/homebuyer/homeownershipPrograms/) (Utah Housing Corporation): A 30-year fixed-rate conventional home loan in Utah for first-time or repeat buyers. Needs a 680 credit score; household income up to $165,200 and no price limit. Can be paired with down payment help. - [Utah Housing Veteran Grant](https://utahhousingcorp.org/pdf/Form225.pdf) (Utah Housing Corporation): A $2,500 grant at closing for recently separated veterans buying their first Utah home in seven years. No repayment. ### Vermont - [VHFA ADVANTAGE](https://www.vhfa.org/homebuyers/loanprograms) (Vermont Housing Finance Agency): A home loan from Vermont's housing agency with its highest income and purchase price limits. You generally do not need to be a first-time buyer. Can be paired with the First Generation grant, but not with ASSIST. - [VHFA MOVE](https://www.vhfa.org/homebuyers/loanprograms) (Vermont Housing Finance Agency): A 30-year fixed-rate home loan from Vermont's housing agency, often at its lowest rate. Income and purchase price limits apply, and first-time buyer rules apply in five counties. Can be paired with ASSIST and the First Generation grant. - [VHFA Mortgage Credit Certificate (Standalone)](https://www.vhfa.org/homebuyers/loanprograms) (Vermont Housing Finance Agency): A federal tax credit certificate worth up to half of the mortgage interest you pay each year, up to $2,000 a year, that can be added to a loan from a participating lender. Income, price and first-time buyer rules apply. ### Virginia - [Virginia Housing Conventional Loan](https://www.virginiahousing.com/partners/lenders/home-loans) (Virginia Housing): A 30-year fixed-rate conventional home loan with as little as 3% down (up to 97% financing). Bond versions for first-time buyers have lower rates; non-bond versions are open to repeat buyers. Income and price limits apply. - [Virginia Housing FHA Loan](https://www.virginiahousing.com/partners/lenders/home-loans) (Virginia Housing): A 30-year fixed-rate home loan insured by the Federal Housing Administration, with 3.5% down. Bond versions for first-time buyers have lower rates; non-bond versions are open to repeat buyers. Income and price limits apply. - [Virginia Housing Plus Second Mortgage](https://www.virginiahousing.com/-/media/docs/partners/lenders/guidelines/plus-second-mortgage-program-guidelines-and-procedures.pdf?rev=b73e03a415ce448e8ba457ac8752f97d&sc_lang=en&hash=7C8F8D83F520B8F3DFEC9AA394EABB24) (Virginia Housing): A second home loan with monthly payments over 30 years that covers your down payment, so you can buy with no money down. Works with Virginia Housing Federal Housing Administration-insured or conventional loans; open to first-time and repeat buyers. - [Virginia Housing USDA Rural Development Loan](https://www.virginiahousing.com/partners/lenders/home-loans) (Virginia Housing): A home loan guaranteed by the U.S. Department of Agriculture's Rural Development program with no down payment for eligible rural properties. Bond and non-bond versions; income and price limits apply. - [Virginia Housing VA Loan](https://www.virginiahousing.com/partners/lenders/home-loans) (Virginia Housing): A home loan guaranteed by the Department of Veterans Affairs with no down payment for eligible veterans and service members. Bond and non-bond versions; income and price limits apply. ### Washington - [ARCH East King County DPA](https://heretohome.org/downpayment-assistance/) (Washington State Housing Finance Commission): A second loan of up to $30,000 with no monthly payments for buyers in participating East King County cities. You put in 2% of the price. Income and price limits apply. - [Bellingham DPA](https://heretohome.org/downpayment-assistance/) (Washington State Housing Finance Commission): A second loan of up to $40,000 with no monthly payments for first-time buyers purchasing within Bellingham city limits. You put in at least $2,500 or 1% of the price. Income and price limits apply. - [Home Advantage](https://heretohome.org/loans/first-mortgage-programs/) (Washington State Housing Finance Commission): A statewide home loan program open to first-time and repeat buyers with household income under the program limit, regardless of family size or price. Requires a free homebuyer class and a trained loan officer. Downpayment assistance is always available with it. - [House Key Opportunity](https://heretohome.org/loans/first-mortgage-programs/) (Washington State Housing Finance Commission): A home loan with the program's best terms for first-time buyers with low to moderate incomes. Income limits depend on county and household size, and home price limits apply. Requires a free homebuyer class and a trained loan officer. - [Veterans DPA](https://heretohome.org/downpayment-assistance/) (Washington State Housing Finance Commission): A second loan of up to $10,000 at 3% interest with no monthly payments for veterans, Guard and Reserve members, and certain surviving family, buying their first home in Washington. ### West Virginia - [Homeownership Program](https://www.wvhdf.com/a-guide-to-west-virginia-housing-development-fund-mortgage-programs/) (West Virginia Housing Development Fund): A 30-year fixed-rate home loan from the state at lower-than-market rates for lower-income buyers. First-time buyer rule applies outside targeted counties. Income and home price limits apply. Can pair with the Low Down Home Loan for down payment help. - [Movin' Up Program](https://www.wvhdf.com/a-guide-to-west-virginia-housing-development-fund-mortgage-programs/) (West Virginia Housing Development Fund): A 30-year fixed-rate home loan for moderate-income buyers, including people who have owned before. Statewide income limit of $171,120 and home price limit of $350,000. Can pair with the Low Down Home Loan. ### Wisconsin - [WHEDA Advantage Conventional](https://www.wheda.com/homeownership-and-renters/home-buyers/available-programs) (Wisconsin Housing and Economic Development Authority (WHEDA)): A 30-year fixed-rate conventional home loan for Wisconsin buyers under county income limits. You don't have to be a first-time buyer; first-time buyers take a homebuyer class. Can be paired with state down payment help. - [WHEDA Advantage FHA](https://www.wheda.com/homeownership-and-renters/home-buyers/available-programs) (Wisconsin Housing and Economic Development Authority (WHEDA)): A 30-year fixed-rate home loan insured by the Federal Housing Administration for Wisconsin buyers under county income limits. Not limited to first-time buyers. State down payment help can cover the required 3.5% investment. - [WHEDA Tax Advantage (Mortgage Credit Certificate)](https://www.wheda.com/globalassets/documents/mortgage-lending/mcc-tax-advantage/tax-advantage-matrix.pdf) (Wisconsin Housing and Economic Development Authority (WHEDA)): A federal tax credit worth 25% of the mortgage interest you pay each year, up to $2,000 a year, for first-time buyers. Can be used with state or other approved lender loans. Income and price limits apply. - [WHEDA Way Home (pilot)](https://www.wheda.com/globalassets/documents/mortgage-lending/lender-toolkit/wheda-way-home/wheda-way-home-eligibility-matrix.pdf) (Wisconsin Housing and Economic Development Authority (WHEDA)): A pilot 30-year fixed-rate home loan with no mortgage insurance and no minimum credit score, plus up to $2,000 toward closing costs. Offered through a few pilot lenders with limited funds; first-time buyer income and price limits apply. ### Wyoming - [WCDA Advantage](https://www.wyomingcda.com/?p=8) (Wyoming Community Development Authority (WCDA)): A 30-year fixed-rate home loan for first-time and repeat buyers with income up to $140,140, backed by federal housing, veterans or rural loan programs. No home price limit. Pairs with the Amortizing down payment loan. - [WCDA Edge](https://www.wyomingcda.com/?p=8) (Wyoming Community Development Authority (WCDA)): A 30-year fixed-rate home loan with no home price limit for buyers with qualifying income up to $140,140, including repeat buyers. Can include repair costs in one closing and pairs with the Home$tretch down payment loan. - [WCDA HFA Preferred](https://www.wyomingcda.com/wp-content/uploads/2023/04/Program-Brochure_April2023_regular.pdf) (Wyoming Community Development Authority (WCDA)): A conventional home loan option with no home price limit (loan size capped at standard conventional limits). Pairs with the Amortizing down payment loan and the mortgage tax credit. - [WCDA Mortgage Credit Certificate](https://www.wyomingcda.com/?p=8) (Wyoming Community Development Authority (WCDA)): A federal tax credit for first-time buyers based on the mortgage interest you pay each year. Used with certain state home loans; county income and price limits apply. - [WCDA Spruce Up](https://www.wyomingcda.com/?p=8) (Wyoming Community Development Authority (WCDA)): One home loan that covers both buying a home and fixing it up, for first-time buyers. Price plus repair costs must stay under county limits; income limits apply. - [WCDA Standard First-Time Homebuyer Program](https://www.wyomingcda.com/?p=8) (Wyoming Community Development Authority (WCDA)): A low fixed-rate 30-year home loan for first-time buyers (no home owned in 3 years), backed by federal housing, veterans or rural loan programs. County income and price limits apply and a homebuyer class is required. _General information based on the standard Georgia REALTORS® purchase contract and public guidance. Your own contract decides: read it, and ask your agent or closing attorney about anything that matters. Not legal or financial advice._