Down payment assistance programs
Thousands of buyers leave free money on the table every year because their lender never mentions these programs. Each one below can cover part, sometimes all, of your down payment when paired with an FHA, VA, USDA, or conventional loan.
Florida Hometown Heroes Housing Program
Up to 5% of the first mortgage amount (minimum $10,000, maximum $35,000) as a 0% interest, non-amortizing second mortgage.
Eligibility & amounts ›Georgia Dream Homeownership Program
Standard: the lesser of 5% of the purchase price or $10,000.
Eligibility & amounts ›CHFA Down Payment Assistance
DPA Grant: up to the lesser of $25,000 or 3% of the first mortgage, no repayment required when program conditions are satisfied.
Eligibility & amounts ›TDHCA My First Texas Home / My Choice Texas Home
Down payment and closing cost assistance up to 5% of the loan amount, structured either as a 3-year deferred forgivable second lien or a 30-year deferred repayable second lien at 0% interest.
Eligibility & amounts ›How down payment assistance works
Most state programs are second mortgages, not gifts: typically 0% interest with no monthly payments, repaid when you sell, refinance, or stop using the home as your primary residence. A few, like Colorado CHFA's grant option, never require repayment. You apply through a participating lender, not directly through the state.
Will your lender offer these?
Availability depends on lender participation and current program funding, not every lender is approved for every program, and popular programs can exhaust annual funding in weeks. Our lending partners participate in these programs. Submit the quiz and we will confirm which programs you qualify for before you shop.
Program terms, income limits, and funding status change. Confirm current details with the administering agency or a participating lender before making plans around any figure on this site. This is educational information, not a commitment to lend.
See which programs you qualify for
Two minutes, no credit check to start. We will match your scenario to the assistance programs your file actually qualifies for.