State and local down payment assistance programs have expanded significantly in 2026, with more than 2,500 programs now available across the country offering grants, forgivable loans, and shared appreciation models.
Program parameters vary widely, with some available only to teachers, healthcare workers, or first responders. Income limits and home price caps also differ by jurisdiction.
Buyers should work with lenders familiar with local DPA programs, as navigating eligibility and stacking multiple programs can maximize benefits substantially.
