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Down Payment Assistance Information
Most states have various program that help with down payment assistance to buy a home. The best place to start looking at is usually with your local city and/or county office. You can obtain this contact information quite easily by looking your local phone books or by simply doing a Google search online. If down payment assistance can not be found in your area or there are simply no down payment assistance programs available, there are quite a few mortgage programs that allow for a home purchase with zero money down.
Below is a list of states and some places that you may want to use to begin your search for some down payment assistance when you are considering buying a home. States are listed in alphabetical order and if your state does not appear on this page, you can also click here or
click here for more states.
This page contains down payment assistance programs for states
Alabama through Maine.
Alabama Down Payment Assistance Programs
Birmingham Down Payment Assistance Program (DPAP) $4,999 (205) 254-2863
Birmingham NHS Inc Down Payment Assistance Program (DPAP) $4,999 (205) 328-4292
Decatur HOME Program (HOME) $25,000 (256) 351-7755
Tuscaloosa Home Purchase Assistance Program (HPAP) $5,000 (205) 349-0160
Alaska Down Payment Assistance Programs
Alaska Interior Regional Housing Authority Tribal Equity Advantage Program (TEAM) 30,000 (907) 452-8315
Fairbanks Neighborhood Housing Services, Inc. Homebuyer Purchase Loan Program (HPLP) $60,000 (907) 451-7230
Arizona Down Payment Assistance Programs
Arizona Southwest Housing Foundation Down Payment Gift Program (GIFT) $25,000 (480) 926-7206
Flagstaff Affordable Housing Coalition Inc Community Homebuyer Assistance Program (CHAP) $10,972 (520) 214-7456
Glendale Los Vecinos Housing Development, Inc. First Time Homebuyer Program (FTHB) $40,000 (623) 435-2255
Multi Counties Community Services of Arizona Rural Home Purchase Assistance Program (RHAP) $10,000 (602) 280-1365
Northern Arizona Council of Government, Rural Home Purchase Assistance Program (RHAP) $10,000 (92 773-1135
Phoenix Community Housing Resources of Arizona (CHRA) Homeownership Incentive Program (HIP) $1,500 (602) 631-9780
Phoenix Neighborhood Housing Services of Phoenix Down Payment Closing Cost Assistance Program (DPCC) $2,500 (602) 258-1659
Phoenix Valley-Corp Down payment Assistance Program (DAP) $7,000 (602) 247-4764
Pima County Family Housing Resource Wells Homebuyer Assistance Gift (GIFT) $2,000 (520) 318-0993
Pima County Family Housing Resources Homebuyer Assistance Project (HAP) $2,500
Pima County Pima Gold Home Program $2,000 (520) 882-0018
San Luis Comite de Bien Estar Inc Forgivable Loan Gap Financing Program (FLGF) $25,000 (92 627-8559
Southern Arizona Government Organization, Rural Home Purchase Assistance Program (RHAP) $10,000 (520) 432-5301
Tempe Community Assisted Mortgage Program $17,500 (480) 350-8961
Tucson Chicanos Por La Causa HOME Investment Partnership Program (HIPP) $30,000
Tucson TMM Family Services Inc HOME Funds Grant Program (HOME) $20,000
Tucson TMM Family Services Inc. Federal Home Loan Bank of San Francisco Affordable Housing Program Homeownership Opportunities II (AHP) $17,000 (520) 322-9557
Tucson TMM Family Services Inc. First Time Home Buyer Grant Program (GRANT) $2,000 (520) 322-9557
Yuma County Housing America Corporation Rural Home Purchase Assistance Program (RHAP) $10,000 (92 627-4221
Arkansas Down Payment Assistance Programs
Jacksonville Homebuyers Assistance Grant (HAG) Program $3,000 (501) 982-0026 California Down Payment Assistance Programs - California Down Payment Assistance Programs
Alameda Down payment Assistance Program (DAP) $10,000 (510) 749-5824 Anaheim Home Program (HOME) $35,000 (714) 765-4340 Anaheim Police Residence Assistance Program (PRAP) $20,000 (714) 765-4340 Anaheim Second Mortgage Assistance Program (SMAP) $25,000 (714) 765-4340 Brentwood Police Officer Recruitment Incentive Program (BPOAP) $28,500 (925) 516-5195 California Gold Taxable MRB Second Mortgage Loan Program (SML) $25,000 (916) 444-2615 California School Facility Fee Down Payment Assistance Program (DPA) $25,000 (916) 322-1353 Campbell Deferred Second Loan Program (DSLP) $50,000 (40 299-5142 Chico Mortgage Subsidy Program (MSP) $20,000 (916) 895-4862 Citrus Heights First Time Home Buyer Program (FTHB) $20,000 Coalinga Down payment Assistance Program (DAP) $6,400 (559) 935-1533 Concord First Time Homebuyer Program (FTHB) $25,000 (925) 671-3325 Costa Mesa Homebuyer Assistance Program (HAP) $40,000 (714) 754-5692 Culver City Mortgage Assistance Program (MAP) $60,000 (310) 253-5780 Del Norte/Humboldt Yurok Indian Housing Authority Down payment Assistance Gift $40,000 (707) 482-1506 Dinuba Homebuyer Assistance Program (HAP) $20,000 (559) 591-5900 Dixon Down Payment Assistance Program (DPA) $40,000 (707) 678-7000 El Cajon 120% First Time Homebuyer Program (FTHB) $60,000 (619) 441-1768 El Cajon 80% First Time Homebuyers Program (FTHB) $60,000 (619) 441-1768 El Monte Down Payment Assistance Program (DPAP) Max 22% (626) 580-2070 Emeryville First Time Homebuyer Program (FTHP) Moderate Income $71,025 (510) 596-4316 Fairfield City-Wide In-fill Housing Silent Loan Program (FSLP-2nd) $50,000 (707) 428-7457 Fairfield City-Wide In-Fill Housing Silent Loan Program (FSLP-3rd) $50,000 (707) 428-7457 Fremont Adams Ave Home Project Second Mortgage (SM) $207,926 (510) 494-4520 Fremont First Time Homebuyer Programs (FTHB) $40,000 (510) 494-4506 Fresno Cal Home Mortgage Assistance Program (MAP) $30,000 (559) 262-4292 Fresno County Down payment Assistance Program (DAP) $4,000 (559) 262-4292 Fresno County- Economic Opportunities Commission (FCEOC) Refugee Individual Development Account (IDA) $6,000 (559) 263-1065 Fresno Down payment Assistance Program (DAP) $4,000 (559) 498-4815 Grand Terrace Affordable Housing Program (AHP) $25,000 (909) 825-3825 Hanford Home Sweet Home Program (Home) $20,000 (559) 585-2587 Hawthorne First Time Homebuyer Program (FTHP) $80,000 (310) 970-7086 Hayward First Time Homebuyer Program (FHP) $11,000 (510) 583-4244 Hemet First Time Homebuyer Down payment Assistance Program (DAP) $25,000 (909) 765-2388 Hesperia First Time Homebuyer Down payment Assistance Program (DAP) $20,000 (760) 947-1910 Imperial First Time Home Buyer Program (FTHB) $20,000 (760) 355-4373 La Quinta Home Purchase Program (HPP) $85,000 (714) 541-4585 Lincoln Homebuyer Mortgage Program $40,000 (800) 995-0431 Livermore Down Payment Assistance (DAP) Deferred Payment Third Loan $20,000 (925) 373-5699 Livermore Down Payment Assistance Program (DAP) Ten Year Amortization Second Loan $20,000 (925) 373-5699 Long Beach Housing Development Company Down payment Assistance Program (DAP) $10,000 (562) 570-6949 Los Angeles County Home Ownership Program (HOP) $60,000 (213) 890-7248 Los Angeles County Montebello Housing Development Corporation Cal
Home FTHB Mortgage Assistance Program (MAP) $30,000 (323) 722-3955 Madera County Homebuyer Assistance Program (HAP) $20,000 (559) 675-7821 Manteca City Manteca First Time Home Buyer Assistance Program (DAP) $30,000 (209) 239-8427 Mendocino County Down Payment Assistance Program (DPAP) $70,000 (707) 463-5462 Mendocino County Individual Development Empowerment Account Program (IDEA) $10,000 (707) 462-0522 Mendota First Time Homebuyers Program (FTHP) $25,000 (559) 655-3291 Merced County First Time Homebuyer Program (FTHP) $60,000. (209) 385-7654 Merced First Time First Time Home Buyer Grants Program (FTHB) $25,000 (209) 385-6863 Modesto Down Payment Assistance Program (DPAP) $60,000 (209) 577-5310 Monterey County First Time Home Buyers Program (FTHB) $135,235 (831) 786-1357 Monterey Down Payment Assistance Program (DAP) $25,000 (831) 646-3728 Multi Counties First Time Homebuyer Program (FTHB) $50,000 (209) 533-5511 Multi Counties Tuolumne/Calaveras County FHLB Affordable Housing Program Third Lien (AHP) $8,000 (209) 946-5104 Napa First Time Homebuyer Loan Program (FTHB) $69,350 (707) 257-9543 National City First-Time Homebuyer Program (FTHP) $17,000 (619) 336-4250 Nevada County Down payment Assistance Program (DAP) $40,000 (530) 265-1388 Norco First Time Homebuyer Program (FTHB) $22,500 (909) 270-5645 Oakland "Public Safety Officer/Teacher/Communications Dispatcher Down Payment Assistance Program" (DAP) $10,000 (510) 238-3909 Oakland Mortgage Assistance Program (MAP) $50,000 (510) 238-3344 Oroville First Time Homebuyer Program (FTHB) $50,000 (530) 538-2495 Oroville First Time Homebuyer Program (FTHB) $40,000 (530) 538-2495 Oxnard Historical Enhancement & Revitalization of Oxnard (HERO) $5,000 (805) 385-7400 Oxnard Resale Housing Conditional Matching Grant Program (GRANT) $10,000 (805) 385-7400 Palmdale Mortgage Assistance Program (MAP) $10,000 (661) 267-5126 Pasadena Homeownership Opportunities Program (HOP) $60,000 (626) 744-8316 Pasadena Neighborhood Housing Services Inc Cal Home First Time Homebuyer Program (FTHP) $30,000 (626) 744-4141 Paso Robles Cal Home Program (Cal Home) $90,000 (805) 237-3970 Placer County First Time Homebuyer Assistance Program (FTHB) $35,000 (530) 889-4246 Pomona Cal home First Time Home Buyer Program (FTHB) $30,000 (909) 620-3630 Porterville First Time Low Income Home Buyer Program (FTHB) $20,000 (559) 782-7460 Rancho Cucamonga First Time Homebuyer Program $16,000 (909) 884-6891 Redding Down payment Assistance Program (DAP) $35,000 (530) 225-4173 Redlands First Time Homebuyer Program (FTHB) $15,000 (909) 884-6891 Richmond In-Fill Homeowner Assistance Program (INFILL) 40,000 (510) 307-8151 Rio Vista First Time Home Buyer Program (FTHB) $5,000 (707) 374-6451 Ripon Gap Down Payment Assistance Program (GAP) $60,000 (209) 599-2108 Riverside Cal Home Mortgage Assistance Program (MAP) $30,000 (909) 341-6511 Riverside County
Individual Development Account (IDA) $4,000 (909) 955-4900 Rocklin First Time Homebuyers Down Payment Assistance Program (FTHB) $35,000 (800) 995-0431 Roseville First Time Homebuyer Program (FTHP) $60,000 (916) 774-5446 Round Valley Indian Housing Homebuyer Assistance Program (HAP) $25,000 (707) 983-6188 Sacramento Cal Home First Time Homebuyer Mortgage Assistance Program (MAP) $29,350 (916) 264-1522 Sacramento County and City First Time Home Buyer Program (FTHP) $5,000 (916) 264-1524 Sacramento County and City Homebuyers Assistance Program (HAP) $2,500 (916) 264-1524 Sacramento County MCC Expanded Teacher Home Purchase First Time Homebuyer Program (FTHB) $5,000 (916) 264-1524 Sacramento County MCC Expanded Teacher Home Purchase Homebuyer Assistance Program (HAP) $2,500 (916) 264-1524 Sacramento Mortgage Assistance Program (MAP) $20,000 (916) 264-1522 Salinas First Time Homebuyer Down payment Assistance Program $40,000 (40 758-7334 San Diego County San Diego Neighborhood Housing Services Cal-Home Program (Cal-Home) $40,000 (619) 282-6647 San Diego Down Payment Assistance Grant (DPAG) Program $7,500 (619) 578-7491 San Diego Neighborhood Housing Services Cost Assistance Support for Homebuyers Program (CASH) $10,000 (619) 282-6647 San Fernando First Time Homebuyer Program (FTHP) $45,000 (81 898-1233 San Francisco First Time Homebuyer Program (FTHB) $100,000 (415) 252-3177 San Joaquin County GAP Loan Program (GAP) Max 20% (209) 468-3157 San Jose Neighborhood Housing Services of Silicon Valley, "The Vernal Fund" Mortgage Assistance Program (MAP) $80,000 (40 272-2878 San Jose Teachers Homebuyer Program (THP) $40,000 (40 277-8486 San Leandro First Time Homebuyer Program (FTHB) $20,000 (510) 577-6002 San Marcos Down Payment Assistance Loan Program (DPAL) $10,000 (760) 744-1050 San Mateo County Start Program 2nd Lien $65,000 (650) 802-5033 San Mateo County Start PLUS 3rd Lien $5,000 (650) 802-5033 San Mateo Countywide Home Investment Partnership Program (CHIP) $60,000 (650) 522-7223 San Mateo First Time Home Buyer Program (FTHB) $60,000 (650) 522-7220 Sanger First Time Homebuyers Program (FTHP) $2,700 (559) 876-6329 Santa Clara County Deferred Closing Cost Program (DCCP) $6,500 (40 299-5142 Santa Clara County Second Loan Program for Teachers (SLPT) $10,000 (40 441-4260 Santa Cruz County First Time Home Buyer Program (FTHB) $25,000 (40 454-2280 Seaside First Time Home Buyer Program $30,000 (831) 899-6728 Shasta County Down Payment Assistance Program (DAP) $30,000 (530) 245-6431 Simi Valley Closing Cost Grant Assistance (GRANT) $3,000 (805) 583-6853 Simi Valley First Time Homebuyer Assistance Program (FTHB) $40,000 (805) 583-6853 Sonoma County Employee Second Mortgage Program (ESMP) $15,000 (707) 565-7500 South Lake Tahoe First Time Homebuyer Assistance Program (FTHB) $60,000 (530) 542-6157 Stanislaus County Down Payment Assistance Program (DPA) $50,000 (209) 525-6330 Stanislaus County Public Facilities Fee Deferral Program (PFF) $25,000 (209) 523-6330 Tulare County First Time Homebuyer Program $20,000 (559) 733-6291 Turlock First Time Home Buyers Program (FTHB) $40,000 (209) 668-5560 Ukiah Down Payment Assistance Program (DAP) $70,000 (707) 463-5462 Upland Primary Assistance Loan Program (PAL) $30,000 (909) 931-4113 Vacaville Down Payment Assistance Loan Program (DPAL) $10,000 (707) 449-5687 Ventura First Time Home Buyer Grants Program (HBAP) $45,000 (805) 654-0038 Victorville Mortgage Assistance Program (MAP) $5,000 (760) 955-5032 Visalia Homebuyer Assistance Program (HAP) $20,000 (559) 738-3460 Waterford First Time Home Buyer Assistance Program (DAP) $20,000 (916) 725-1181 Watsonville Down payment Assistance Program (DAP) $30,000 (831) 728-6014 Watsonville First Time Homebuyer Program (FTHP) $90,000 (831) 728-6014 Woodlake First Time Home Buyer Grants Program (HAP) $20,000 (209) 564-8055 Yuba City First Time Homebuyer Assistance Program (FTHB) $50,000 (530) 822-4697
California down payment assistance programs exist to help buyers purchase a home when they would not otherwise be able to afford one. Certain restrictions apply to qualify for the programs. We can answer further questions for you on these programs to determine your eligibility. Programs and assistance amounts can change from year to year. Again, the best way to stay on top of the down payment assistance programs in your county is by contacting your mortgage professional who can review what programs you may be eligible for.
If you don't currently have a
mortgage professional working for you, feel free to contact us at 440-614-0130 for more info. In addition to the government sponsored down payment assistance programs, there are many non-profit organizations that will grant you your down payment. You should ask your mortgage broker what program is right for you.
Down payment organizations such as AmeriDream, Grant America, and the
Nehemiah Program provide assistance to thousands of families every year
for down payment
assistance.
Colorado Down Payment Assistance Programs
Arapahoe County Home Ownership Program (HOP) $20,000 (303) 738-8065 Aurora Home Ownership Assistance Program (HOAP) $10,000 (303) 360-0053 Colorado Housing Assistance Corporation Creating Affordability Now 65% to 80% AMI Down Payment Program (CAN) $5,000 (303) 572-9445 Colorado Housing Assistance Corporation Creating Affordability Now Below 65% AMI Down Payment Program (CAN) $5,000 (303) 572-9445 Colorado Housing Assistance Corporation Down payment Assistance Disability Program (DAP) $6,000 (303) 572-9445 Colorado Housing Assistance Corporation Federal Home Loan Bank Program (FHLB) $3,500 (303) 572-9445 Colorado Housing Assistance Corporation Mortgage Assistance Program (MAP) $5,000 (303) 572-9445 Colorado Springs Affordable Homeownership Program (AHP) $10,000 (719) 387-6714 Del Norte Neighborhood Development Corporation Savings Plus Individual Development Account Collaborative (IDA) $10,000 (303) 477-4774 Denver City and County - Newsed Community Development Corporation Barrio Aztlan Homeownership Program (HAP) $10,000 (303) 534-8342 Denver County Colorado Housing Assistance Corporation (CHAC) Barrio Azatlan Home Ownership Program (BAHOP) $10,000 (303) 572-9445 Denver Del Norte Neighborhood Development Corporation Barrio Aztlan Home Ownership Program (HOP) $10,000 (303) 477-4774 Eagle County Down payment Assistance Program (DAP) 5 Year Deferral $10,000 (970) 328-8771 Eagle County Down payment Assistance Program (DAP) Monthly Interest Payback $10,000 (970) 328-8771 Eagle County Down payment Assistance Program (DAP) Property Appreciation $10,000 (970) 328-8771 Fort Collins First Time Home Buyer Grants Program $9,000 (970) 221-6595 Glenwood Springs Board of Realtors Affordable Housing Fund (AHF) $2,000 (970) 945-9762 Jefferson County Stride Home Ownership Program (HOP) $5,000 (303) 275-3450 Larimer County Home Ownership Program (LHOP) $7,900 (970) 667-3232 Longmont/Boulder County Down Payment Assistance Program (DPA) $9,000 (303) 441-3987 Multi Counties West Central Housing Development Organization Regional Ownership Assistance Down Payment Program (ROAD) $11,800 (970) 874-8204 Multi-Counties Del Norte Neighborhood Development Corporation Savings Plus Individual Development Account (IDA) $3,000 (303) 477-4774 Northeast Colorado Housing Inc. Homeownership Down Payment Assistance Program $5,000 (970) 542-0955 Pueblo County HOME Down payment Assistance Program (HDAP) $25,000 (719) 584-0817 Pueblo Neighborhood Housing Services Repayable 2nd Mortgage Program (SMP) 5,000. (719) 544-8078 San Miguel County- San Miguel Regional Housing Authority Down Payment & Closing Cost Assistance Program (DPCC) $10,000 (970) 728-3034 Summit County - Town of Dillon Employer Assisted Housing Program (EAHP) $10,000 (970) 468-2403 Summit County Down Payment Assistance Program (DPA) $11,772 (970) 453-3557 Summit County Employee Housing Assistance Program (EHAP) $10,000 (970) 453-3404 Summit County Summit Housing Authority Down payment Assistance Program $3,000 (970) 453-3557 Weld County, High Plains Housing Development Corporation Down payment / Closing Cost Assistance Program (DAP) $4,000 (970) 352-1551
Some assistance programs require repayment, others do not.
Ask questions about how your down payment assistance programs work so
that you completely understand the terms and whether repayment is
expected or not. Contact your local city/county government offices to
see if they can direct you to any city/county down payment assistance
that is local to your area. In addition to the government sponsored down payment assistance programs, there are many non-profit organizations that will grant you your
down payment. You should ask your mortgage broker what program is right for you.
Connecticut Down Payment Assistance Programs
Hartford Homeownership Appraisal Gap Financing (HAGF) $200,000 (860) 588-4888 Hartford House Hartford Down payment and Closing Cost Assistance Program (HHP) $25,000 (860) 757-9005 Manchester Homeownership Program (HOP) $25,000 (860) 647-3106 New Haven Livable City Initiative Down Payment/Closing Cost Loan Program (ALP) $5,000 (203) 946-7807 Windsor Down payment Assistance Program $8,000 (860) 298-9060
Delaware Down Payment Assistance Programs
Delaware First State Community Loan Fund Delawareans Save IDA Program (IDA) $1,500 (302) 652-6774 Dover First Start Home Ownership Down Payment and Settlement Assistance Program $10,000 (302) 736-7175 New Castle County Down Payment Settlement Program (DPS) $4,000 (302) 395-5602 Each down payment assistance program will have its own specific guidelines. Not all borrowers will qualify for the assistance. There are other options such as 100% or 103% financing that can help borrowers who do not have the assets for a down payment and/or closing costs.
Combo
loans, also known as
80/20 loans are very popular methods of buying a home with no money
available for a down payment.
Florida Down Payment Assistance Programs
Alachua County State Housing Initiatives Partnership Program (SHIP) $9,500 (352) 374-5249
Baker County- State Housing Initiatives Partnership (SHIP) $5,000 (904) 259-3613
Bay County State Housing Initiatives Partnership Program (SHIP) $15,660 (850) 234-6358
Boca Raton State Housing Initiatives Partnership Homebuyer Assistance Program (SHIP) $40,000 (561) 393-7758
Bonita Springs Area Housing Development Corporation- SHIP Down Payment / Closing Cost Assistance (SHIP) $15,000 (239) 652-7938
Bradenton Housing Assistance Program (HAP) $4,000 (941) 714-7509
Brevard County First Time Home Buyer Program $12,500 (321) 633-2075
Cape Coral Down Payment Assistance Program (DPAP) $4,500 (239) 573-1222
Citrus County SHIP Down payment Closing Costs Assistance Program (DCCAP) $5,500 (352) 527-5377
Clearwater Down Payment/Closing Cost Assistance Program (DPCCA) $15,000 (727) 562-4030
Columbia County State Housing Initiatives Partnership Program (SHIP) $10,000 (386) 362-4115
Deltona SHIP Purchase Assistance Program $22,000 (386) 561-2200
DeSoto County State Housing Initiative Program (SHIP) $5,000 (863) 993-4858
Escambia County- SHIP Affordable Housing Initiative Program New Construction (AHIP) $15,000 (850) 458-0464
Flagler County State Housing Initiatives Partnership Program (SHIP) $10,000 (386) 437-7484
Gainesville Central Florida Community Action Agency, Inc. HOME Purchase Deferred Grant Assistance Program (HOME) $40,000 (352) 373-7667
Gainesville Neighborhood Housing & Development Corporation (NHDC) HOME Subsidy Program (HSP) $10,000 (352) 380-9112
Gainesville SHIP Down payment Assistance Program (SHIP) $3,500 (352) 334-5026
Hardee County, State Housing Initiatives Partnership Home Ownership Assistance Program (SHIP) $5,000 (863) 773-6349
Hendry County State Housing Initiative Partnership Program (SHIP) $15,000 (863) 675-5297
Hernando County SHIP Down Payment Assistance Program (DPAP) $12,500 (352) 754-4160
Hillsborough County Heritage Housing Inc First Time Homebuyer Program (FTHP) $5,000 (813) 961-5990
Hillsborough County Housing & Education Alliance First Time Homebuyers Program $5,000 (813) 744-5557
Hillsborough County Housing & Education Alliance First Time Homebuyers Program $15,000 (813) 744-5557
Hillsborough County Tampa Bay CDC Assistance Program (AP)
Also See:
Hillsborough County $5,000 (813) 744-5557
Lakeland Keystone Challenge Fund Inc State Housing Initiatives Partnership Program (SHIP) $30,791 (863) 682-1025
Lee County SHIP Down Payment/Closing Cost Assistance $15,000 (239) 652-7938
Levy County SHIP Purchase Assistance (SHIP) $20,000 (352) 486-5268
Manatee County Infill Assistance Program 30000 (941) 749-3030
Manatee County SHIP Down Payment & Closing Cost Assistance Program (DAP) $15,000 (941) 749-3030
Melbourne Purchase Assistance Program (PAP) $12,670 (321) 253-0053
Monroe County First Time Homebuyer Program (SHIP) $36,000 (305) 292-1221
Multi County Autographed Book Give-Away for Inner City Youth Inc Affordable Housing Program $25,000 (407) 426-8597 Multi County Clearwater Neighborhood Housing Services, Inc. Down Payment Assistance Program (DPAP) $8,000 (727) 442-4155
Okaloosa County Okaloosa Community Development Corporation Down Payment/Closing Cost Assistance Program $10,000 (850) 651-7376
Okeechobee County State Housing Initiatives Partnership Program (SHIP) $25,000 (863) 763-6731
Orange County Down Payment Assistance Program (DPAP) $10,000 (407) 836-4240
Orlando Down payment Assistance Program (DAP) $10,000 (407) 246-2708
Osceola County State Housing Initiatives Partnership Housing Assistance Program (SHIP) $10,000 (407) 343-3105
Palm Bay Down Payment Assistance Program (DPAP) $7,853 (321) 409-8181
Palm Beach County Hardship "B" Second Mortgage Subsidy Program (SMS) $17,500 (561) 233-3650
Pasco County Homebuyer Assistance Program (HAP) $9,250 (813) 847-8970
Pinellas County Tampa Bay Community Development Corporation Homeownership Assistance Program (HAP) $7,000.00 (727) 442-7075
Polk County Keystone Challenge Fund Inc State Housing Initiatives Partnership Program (SHIP) $29,291 (863) 682-1025
Santa Rosa County SHIP Deferred Program Loan $5,000 (850) 595-8910
Sarasota County Down Payment Assistance Program (DPAP) $6,000 (941) 951-3640
St. Cloud Deer Creek Subdivision Affordable Housing Program (AHP) 25000 (850) 488-4197
St. Cloud Deer Creek
Subdivision HOME Ownership Program (HOME) 25000 (850) 488-4197
St. Petersburg Hope VI Program (HVI) $25,000 (727) 893-7615
St. Petersburg W.I.N Homebuyers Down payment & Closing Cost Assistance Program (WIN) $14,000 (727) 893-7247
Tampa Deferred Payment Loan (DPL) $29,900 (813) 274-7977
Union County Suwannee River Economic Council Inc SHIP Program (SHIP) $12,000 (386) 362-4115
Volusia County State Housing Initiatives Partnership Down Payment
Assistance Program (SHIP) $27,000 (386) 736-5955
Winterhaven Keystone Challenge Fund Inc State Housing Initiatives Partnership Program (SHIP)
Florida down payment assistance is very popular as property values
throughout many areas in Florida are so high. Down payment assistance
programs are available in most of the state and you can also contact you
local county/city governement offices to find other sources or methods
of down payment assistance.
Georgia Down Payment Assistance Programs
Atlanta Consumer Mortgage Counseling Service Down Payment Assistance Program Grant (DPAP) Max 5% (770) 455-1770 Charlton County Community Home Investment Program (CHIP) Down payment and Closing Cost Assistance 10,000. (912) 496-2549 Clarke County Housing & Economic Leadership Partners Inc Direct Homeownership Assistance Program $7,000 (706) 549-5200 Georgia Housing Yes Inc Helping Hands Program (GIFT) $8,830 (67 937-0432 Hall County Down Payment Assistance Program (DPAP) $2,000 (770) 297-1800 Multi Counties United Way of Metropolitan Atlanta IDA Program (IDA) $5,250 (404) 527-3549 Savannah Dream Maker 1 - City Wide (DM1) $4,000 (912) 651-6926 Savannah Dream Maker 2 - Target Neighborhood (DM2) $8,000 (912) 651-6926 Savannah Dream Maker 3 - Infill Housing Neighborhood Street and Block Revitalization Projects (DM3) $50,000 (912) 651-6926
Hawaii Down Payment Assistance Programs
Honolulu County Ewa Villages Down Payment Loan Program (DPL) $60,000 (80 523-4207
Idaho Down Payment Assistance Programs
Boise/Ada County Assisted Home Ownership Program (AHOP) (Hobbler Place Subdivision) $25,000 (208) 345-4907 Idaho Neighborhood Housing Service of Boise Community Development Financial Institution (CDFI) $25,000 (208) 343-4065 Idaho Neighborhood Housing Services of Boise, NRC Pilot Grant $2,500 (208) 343-4065 Multi-Cities Mountain States Group Inc Individual Development Account (IDA) $4,000 Pocatello Neighborhood Housing Services Home Ownership Program (HOP) $25,000 (208) 232-9468
In addition to the government sponsored down payment assistance programs, there are many non-profit organizations that will grant you your down payment. You should ask your mortgage broker what program is right for you.
Illinois Down Payment Assistance Programs
Alton Homeownership Program (HOP) $5,000 (618) 463-3801 Cook County Homebuyers Program (HBP) $5,000 (312) 603-1062 Dekalb First-Home Program $2,800 (815) 748-2060 East St. Louis CDBG Operations Corporation HOME Investment Partnership Program (HIPP) $6,500 (618) 482-6635 Madison County Homebuyer Program (HBP) $3,000 (618) 692-8940 Springfield Home Ownership Assistance (HOA) $25,000 (217) 789-2408 St Clair County Homebuyer Assistance Program (HAP) $4,000 (618) 277-6790
Indiana Down Payment Assistance Programs
Decatur County First Time Homebuyer Downpayment Assistance Program $10,000 (812) 689-5505 Gary First Time Homebuyer Downpayment Assistance Program (FTHP) $9,000 (219) 881-5075 Lake County Homebuyers Assistance Program (HAP) $5,000 (219) 755-3226 Marion County, Indianapolis Neighborhood Housing Partnership (INHP) Good Neighbor II (2nd mortgage) Program $33,000 (317) 610-4634 Marion County, Indianapolis Neighborhood Housing Partnership (INHP) Good Neighbor II (3rd mortgage) Program $5,000 (317) 610-4634 Multi Counties Housing Opportunities Inc Down Payment Assistance Program (DPAP) $3,500 (219) 462-3729 Multi Counties Southeastern Indiana Community Preservation and Development Corporation Regional 1st Time Homebuyer Program Downpayment Assistance (DA) $7,000 (812) 689-5505
Elhart Housing Partnership in Elkhart Indiana has a homebuyers education course (the same that is required for some conventional loan
programs) and also assists buyers with down payment assistance.
Iowa Down Payment Assistance Programs
Benton County Homebuyer Assistance Program (HAP) $15,000 (319) 472-2365 Council Bluffs Heritage of Council Bluffs Program (HCBP) $2,500 (712) 320-4616 Davenport United Neighbors, Inc. DREAM Home Buyers Program (DREAM) $1,800 (319) 322-7363 Des Moines New Construction Program (NCP) $20,000 (515) 283-4512 Fort Dodge Homebuyers Assistance Program (HAP) $15,000 (515) 576-8191 Hawarden Iowa Lamb Corporation Employer Down Payment Gift Program (GIFT) $10,000 (712) 551-1126 Iowa Individual Development Account Gift Program (IDA) $8,000 (515) 283-0940 Iowa State RHI Local Housing Assistance Program (LHAP) $10,000 (319) 732-5555 Iowa Winterhaven Inc Down Payment/Closing Cost Assistance Program (GIFT) $25,000 (515) 327-1911 Multi-Counties Homeward, Inc. HomeBuyer Program (ABP) $6,000 (515) 825-3947 Northwood Housing Assistance Program Down Payment Assistance (DPA) $7,250 (641) 324-1075 Polk County Housing Trust Fund Gap Subsidize Program (GSP) $25,000 (515) 282-6222 Sioux City Affordable Home Ownership Program $5,000 (712) 279-6276 Wright County First Time Home Owners Program (FTHP) $3,000 (515) 532-6422
Kansas Down Payment Assistance Programs -
Wichita Homeownership 80 Assistance Program (HAP) $16,320 (316) 268-4685
Kentucky Down Payment Assistance Programs
Covington Homebuyer Assistance Program (HAP) $9,000 (859) 292-2188 Fayette County Local Development Corporation First Time Homeowners Assistance Program (FTHAP) $15,000 (606) 254-6212 Jefferson County Home Ownership Assistance Program (HOAP) $18,000 (502) 574-5144 Louisville New Construction Home Ownership Program $18,000 (502) 574-3107 Multi Counties REACH Inc First Key Downpayment Assistance Program (DAP) $14,999 (859) 258-3535 Multi Counties- The Center For Women and Families, Inc. Common Wealth Individual Development Account Program (CWIDA) $3,000 (502) 581-7200
Louisiana Down Payment Assistance Programs
Jefferson Parish First Time Homebuyer Assistance Program (HAP) $20,000 (504) 736-6267 Lafayette First Time Home Buyer & Closing Costs Revolving Loan Fund Program (FTHBP) $5,000 (337) 291-8433 New Orleans Neighborhood Housing Services Downpayment and Closing Cost Assistance Program (DCCA) $3,000 (504) 899-5900 New Orleans PRIDE Down Payment & Closing Cost Assistance Program $3,000 (504) 524-5533 Orleans Parish Central City Housing Development Corporation TANF Home Ownership Assistance Program (TANF) $2,500 (504) 522-4273
Maine Down Payment Assistance Programs
Maine Coastal Enterprises Inc Individual Development Account Program (IDA) $4,000 (207) 882-7552 Maine Multi Counties Washington Hancock Community Agency Set Aside Funds Program (SAP) $7,500 (207) 546-7544 York County Community Action Corporation Homeownership Program $25,000 (207) 324-5762
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