First Time Homebuyer Information & Education

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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

 

Information listed above is to be used for educational purposes only and is not guaranteed

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