Down Payment Assistance

Federal HOME funds can be used by states to offer down payment assistance for first time homebuyers. Also, Fannie Mae and Freddie Mac set the guidelines for down payment assistance offered by banks.

Your State Finance Agency or Housing Authority will have information about local Down Payment Assistance Programs. You can find your local Housing Authority here: https://affordablehousingonline.com/housing-authority.

Here's a list of State Finance Agency homeownership program pages:

Alabama Homebuyers

Alaska Happy Homeownership Starts with AHFC.

Arizona https://housing.az.gov/general-public/programs-for-homebuyers

Arkansas https://homeloans.arkansas.gov/      

California CalHFA: California Housing Finance Agency

California CDLAC Applicant Information

Colorado Home

Connecticut Homebuyer Assistance, Guides & Resources - Connecticut | CHFA

Delaware Home - Delaware State Housing Authority

District of Columbia Homeownership

Florida Florida Housing Finance Corporation

Georgia Homeownership

Guam FIRST-TIME HOMEOWNERS – Temporarily Suspended

Hawaii http://dbedt.hawaii.gov/hhfdc/

Idaho Idaho Housing and Finance Association: Home

Illinois My Home

Indiana Indiana Housing & Community Development Authority: Homebuyers

Iowa Homeownership Programs

Kansas https://kshousingcorp.org/homeowners/first-time-homebuyer/   

Kentucky https://www.kyhousing.org/Homeownership/Pages/default.aspx     

Louisiana https://www.lhc.la.gov/homeownership

Maine First Home Loan Program

Maryland The Maryland Mortgage Program

Massachusetts https://www.masshousing.com/en/home-ownership/homebuyers

Michigan MSHDA - Homeownership

Minnesota Welcome

Mississippi https://www.mshomecorp.com/

Missouri http://www.mhdc.com/homes/index.htm

Montana Homeownership - Montana Housing

Nebraska https://www.nifa.org/homebuyer?lat=39.698432&long=-86.42232320000001

Nevada https://housing.nv.gov/

New Hampshire https://www.nhhfa.org/homeownership/

New Jersey New Jersey Housing and Mortgage Finance Agency | Homeownership

New Mexico http://www.housingnm.org/homebuyers/home-buyers

New York Homebuyers

North Carolina https://www.nchfa.com/home-buyers    

North Dakota Ready to Buy a Home? – ND Housing

Northern Marianas nmhcgov.net

Ohio My Ohio Home – Welcome Home!

Oklahoma Oklahoma Housing Finance Agency - Homebuyers

Oregon https://www.oregon.gov/ohcs/homeownership/pages/index.aspx

Pennsylvania PHFA HOMEPAGE | Mortgage – Housing – Foreclosure Options 

Puerto Rico Government Development Bank for Puerto Rico

Rhode Island RIHousing: Home

South Carolina SC Housing

South Dakota Homeownership | SDHDA

Tennessee Tennessee Housing Development Agency | Homepage

Texas The Texas Homebuyer Program | The Texas Homebuyers Program

Utah Down Payment Assistance

Vermont Welcome to Homeownership | VHFA.org

Virgin Islands Homeownership Programs

Virginia https://www.vhda.com/Homebuyers/Pages/homebuyers.aspx  

Washington WSHFC | Home Buyer Programs

West Virginia HOME | WVHDF

Wisconsin Home Buyer Resources

Wyoming HOMEBUYERS - WCDA