Every US state now offers at least one down payment assistance program for first-time homebuyers, with combined available funding exceeding $10 billion and grants ranging from $5,000 to $50,000 per household.

Types of Assistance

Programs include forgivable grants (free money after 5 years of homeownership), deferred-payment loans (due only at sale or refinance), and matched savings programs that double your down payment savings.

How to Apply

Most programs require completion of a homebuyer education course and income below 120% of area median income. Applications go through HUD-approved housing counseling agencies.