Over 2,400 down payment assistance programs exist across the United States, yet most homebuyers don't know about them. Many offer $10,000-$25,000 in grants or forgivable loans.
Top National Programs
- Chenoa Fund: up to 3.5% of purchase price
- NACA: zero down payment, below-market rates
- Good Neighbor Next Door: 50% off HUD homes for teachers, nurses, police
- USDA loans: zero down payment in rural and suburban areas
State-Level Programs
California offers $20,000 through CalHFA, Texas provides $25,000 via TDHCA, and Florida's Hometown Heroes program gives up to $35,000 to first-time buyers in qualifying professions.
Income limits vary but many programs serve households earning up to 120% of area median income — higher than most people expect.
