Which programs are available in each state?
| State | Verified programs | Housing finance agency |
|---|---|---|
| Alabama | Step Up | Alabama Housing Finance Authority (AHFA) |
| Alaska | Not yet verified | Alaska Housing Finance Corporation (AHFC) |
| Arizona | Open Doors Down Payment Assistance Program; City of Tucson-Pima County HOME Consortium Down Payment Assistance (DPA) Program | Arizona Industrial Development Authority (HOME+PLUS) |
| Arkansas | ADFA Down Payment Assistance Loan | Arkansas Development Finance Authority (ADFA) |
| California | CalHFA MyHome Assistance Program; Low Income Purchase Assistance (LIPA) Program; Middle-Income First-Time Homebuyer Program; Downpayment Assistance Loan Program (DALP); First Responders Downpayment Assistance Loan Program (FRDALP); Educators Downpayment Assistance Loan Program (Educator DALP); First-Time Homebuyers' Mortgage Assistance Program (MAP); First-Time Homebuyer Program (My Anaheim Home); My First Home Program; City of Chula Vista First-Time Homebuyer Program | California Housing Finance Agency (CalHFA) |
| Colorado | CHFA Down Payment Assistance Grant; CHFA Down Payment Assistance Second Mortgage Loan; metroDPA | Colorado Housing and Finance Authority (CHFA) |
| Connecticut | Time To Own Forgivable Down Payment Assistance | Connecticut Housing Finance Authority (CHFA) |
| Delaware | First State Home Loan; Keys4You Home Loan | Delaware State Housing Authority (DSHA) |
| District of Columbia | DC Open Doors Down Payment Assistance Loan; Home Purchase Assistance Program (HPAP) | DC Housing Finance Agency (DCHFA) |
| Florida | Florida Assist; Head Start to HOME Ownership Program (H2H); Dare to Own the Dream (DARE); CRA Down Payment Assistance Program; Home Sweet Home Hillsborough Down Payment Assistance; Orlando Unlocked: Open Door Program; Housing Down Payment Assistance Program; Pinellas County Down Payment Assistance Program; Home Key Plus 2nd Mortgage Down Payment Assistance | Florida Housing Finance Corporation |
| Georgia | Not yet verified | Georgia Department of Community Affairs (Georgia Dream) |
| Hawaii | Down Payment Loan Program | Hawaii Housing Finance and Development Corporation (HHFDC) |
| Idaho | Idaho Housing Down Payment Assistance | Idaho Housing and Finance Association (IHFA) |
| Illinois | IHDA Access Home; Cook County Down Payment Assistance Program; HomeGrown Purchase Assistance Program | Illinois Housing Development Authority (IHDA) |
| Indiana | Not yet verified | Indiana Housing and Community Development Authority (IHCDA) |
| Iowa | FirstHome Down Payment and Closing Costs Grant; Iowa Finance Authority 2nd Loan Program | Iowa Finance Authority (IFA) |
| Kansas | Not yet verified | Kansas Housing Resources Corporation (KHRC) |
| Kentucky | KHC Down Payment Assistance; Down Payment Assistance Program | Kentucky Housing Corporation (KHC) |
| Louisiana | Direct Homebuyer Soft Second Mortgage Assistance Program | Louisiana Housing Corporation (LHC) |
| Maine | MaineHousing Advantage | MaineHousing |
| Maryland | MMP 1st Time Advantage 6000; MMP HomeStart; First-Time Homebuyers Incentive Program (FTHIP); Baltimore City Employee Homeownership Program; Buying Into Baltimore; Live Near Your Work; Vacants to Value Booster | Maryland Mortgage Program (DHCD) |
| Massachusetts | MassHousing Down Payment Assistance (Option 1); MassHousing Down Payment Assistance (Option 2); First-Time Homebuyer Program (Boston Home Center Financial Assistance) | MassHousing |
| Michigan | MSHDA MI 10K DPA Loan; Detroit Down Payment Assistance (DPA) Program; Oakland County Treasurer's Home Buyer Assistance Program | Michigan State Housing Development Authority (MSHDA) |
| Minnesota | Minnesota Housing Monthly Payment Loan; Minnesota Housing Deferred Payment Loan Plus; Inheritance Fund (Rondo and West Side Flats) | Minnesota Housing |
| Mississippi | MHC Smart7 | Mississippi Home Corporation (MHC) |
| Missouri | Not yet verified | Missouri Housing Development Commission (MHDC) |
| Montana | Bond Advantage Down Payment Assistance; MBOH Plus 0% Deferred Down Payment Assistance | Montana Housing |
| Nebraska | NIFA Homebuyer Assistance Program | Nebraska Investment Finance Authority (NIFA) |
| Nevada | Not yet verified | Nevada Housing Division / Home Is Possible |
| New Hampshire | NHHFA Downpayment & Closing Cost Help | New Hampshire Housing |
| New Jersey | NJHMFA Down Payment Assistance Program; Golden Neighborhood First-time Homeownership Program (GNHP) | New Jersey Housing and Mortgage Finance Agency (NJHMFA) |
| New Mexico | Not yet verified | Housing New Mexico (MFA) |
| New York | SONYMA Down Payment Assistance Loan (DPAL); HomeFirst Down Payment Assistance Program | State of New York Mortgage Agency (SONYMA) |
| North Carolina | NC 1st Home Advantage Down Payment; HouseCharlotte Down Payment Assistance Program; Homebuyer Assistance Program; Enhanced Homebuyer Assistance Program; Housing Connect GSO Homebuyer Down Payment Assistance Program; City of Durham Down Payment Assistance Program; Forsyth County Affordable Home Ownership Program (AHOP) | North Carolina Housing Finance Agency (NCHFA) |
| North Dakota | Not yet verified | North Dakota Housing Finance Agency (NDHFA) |
| Ohio | OHFA Down Payment Assistance; American Dream Downpayment Initiative (ADDI); Cuyahoga County Down Payment Assistance Program; American Dream Downpayment Initiative (ADDI); Home at Last | Ohio Housing Finance Agency (OHFA) |
| Oklahoma | Not yet verified | Oklahoma Housing Finance Agency (OHFA) |
| Oregon | Down Payment Assistance Loan (DPAL) | Oregon Housing and Community Services (OHCS) |
| Pennsylvania | Keystone Forgivable in Ten Years (K-FIT); Philly First Home; Down Payment and Closing Cost Assistance Program (DPCCAP) | Pennsylvania Housing Finance Agency (PHFA) |
| Rhode Island | RIHousing Extra Assistance | Rhode Island Housing |
| South Carolina | SC Housing Homebuyer Program Down Payment Assistance | SC Housing |
| South Dakota | SDHDA Fixed-Rate Plus 3% | South Dakota Housing |
| Tennessee | THDA Great Choice Plus (Amortizing); THDA Great Choice Plus (Deferred) | Tennessee Housing Development Agency (THDA) |
| Texas | Dallas Homebuyer Assistance Program (DHAP); DHAP Anti-Displacement; Upfront Cost Assistance Program (UPCAP); Homeownership Incentive Program (HIP 80); Down Payment Assistance Program; Travis County HOME Downpayment Assistance (DPA) Program; Homebuyer Assistance Program (HAP); HOME First-Time Homebuyer Down Payment Assistance Program | Texas Dept. of Housing and Community Affairs (TDHCA) & TSAHC |
| Utah | Not yet verified | Utah Housing Corporation |
| Vermont | Not yet verified | Vermont Housing Finance Agency (VHFA) |
| Virginia | Chesapeake HOME Down Payment and Closing Cost Program; HOME Program Down Payment and Closing Cost Assistance; Moderate-Income Purchase Assistance Program (MIPAP) | Virginia Housing |
| Washington | Office of Housing Down Payment Assistance | Washington State Housing Finance Commission (WSHFC) |
| West Virginia | Not yet verified | West Virginia Housing Development Fund (WVHDF) |
| Wisconsin | Milwaukee Home Down Payment Assistance Program; Home-Buy the American Dream (HBAD); Dane County CDBG Down Payment Assistance (Movin' Out) | Wisconsin Housing and Economic Development Authority (WHEDA) |
| Wyoming | Not yet verified | Wyoming Community Development Authority (WCDA) |
Frequently asked questions
Each state's housing finance agency (HFA) — for example MSHDA in Michigan or CalHFA in California. Most programs require using the agency's own first mortgage through a participating lender.
It depends on the program: grants don't need repayment, forgivable loans are forgiven after you stay a set number of years, deferred loans are repaid when you sell or refinance, and some are repayable second mortgages.
We list only programs whose current terms we confirmed on the official agency website, with a link and the date we last verified it. States without a verified program show none rather than a guess.
Sources
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Get My MatchesFigures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.