First Time Homebuyer Information & Education

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Down Payment Assistance Information - Part II

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 Maryland through Rhode Island.

 

Maryland Down Payment Assistance Programs

Annapolis Homeownership Gap Financing Program (GAP)
$40,000 (410) 269-1222
Annapolis Homes for America Homeownership Closing Cost Program (HCC)
$40,000 (410) 269-1222
Anne Arundel County Arundel Community Development Services Inc Mortgage Assistance Program (MAP)
$25,000 (410) 222-7600
Baltimore Buying Into Baltimore Home Sale Program (BIB)
$3,000 (410) 396-4606
Baltimore City Employee Homeownership Program
$3,750 (410) 396-3124
Baltimore County Incentive Purchase Program (IPP)
$3,000 (410) 887-3803
Baltimore Empowerment Zone Housing Venture Fund Program
$5,000 (410) 396-3124
Baltimore Neighborhood Housing Services of Baltimore Inc Closing Cost Loan Program (CCLP)
$5,000 (410) 327-1200
Charles County First Time Home Buyers Settlement Expense Loan Program (SELP)
$4,000 (301) 934-9305
Cumberland Neighborhood Housing Services Closing Cost Grant (CCG)
$1,000 (301) 722-6958
Rockville REACH Program (DAP)
$7,500.00 (301) 590-2014

 

Massachusetts Down Payment Assistance Programs

Cambridge Purchaser Assist Program (PAP)
$10,000 (617) 349-4642
Infill Housing Homeownership Program (IHHP)
$25,000 (781) 581-8607
Lawrence Down Payment Loan Program (DPL)
$10,000 (978) 794-5891
Lowell Coalition For A Better Acre HOME Homeowner Acquisition Loan Program (HHALP)
$10,000 (978) 970-2182
Multi-Communities, Quincy Community Action Programs, Inc. Downpayment Assistance Program
$9,000 (617) 479-8181
New Bedford Neighborhoods First Time Homebuyer Program
$6,000 (508) 979-1500
Plymouth Buyers Assistance Program (FTHB)
$10,000 (508) 830-4115
Salem First Time Homebuyer Program (FTHB)
$8,000 (978) 745-9595
Taunton First Time Home Buyer Program (FTHB)
$10,000 (508) 821-1030


Michigan Down Payment Assistance Programs

Berrien County Greater Niles Community Development Corporation Acquisition/Development/Resale Program (ADR)
$5,000 (517) 241-4474
****inson and Iron Counties ****inson Iron Community services Agency/U.P. Community Services, Inc. (DICSA/UPCSI) Home Purchase Program (DPAP)
$5,000 (906) 774-2256
Jackson County Jackson Affordable Housing Corporation Downpayment Assistance Program (DAP)
$3,000 (517) 788-4626
Lansing Down Payment Assistance (DPA) Program
$3,000 (517) 372-5980
Lansing Home Ownership Program for Employees (LHOPE)
$6,000 (517) 483-4593
Multi Counties Little Travese Bay Band of Odawa Indians Down Payment/Closing Cost Assistance Program (LTBB)
$5,000 (231) 242-1546
Schoolcraft County Homebuyer Assistance Program (HAP)
$5,000 (906) 341-5126
Wayne County First Time Home Buyers Program (FTHB)
$3,000 (313) 224-5011

 

Minnesota Down Payment Assistance Programs

Alexandria City Homestead Assistance Program (CHAP)
$6,000 (320) 762-1311
Alexandria Greater Minnesota Housing Fund The Trails Development Gap Financing Program (GAP)
$15,000 (651) 221-1997
Alexandria HRA Down Payment Assistance Program (DPAP) - Trails Development
$2,500 (320) 762-1311
Alexandria MHFA Gap Financing Program (GAP) - Trails Development
$15,000 (320) 762-1311
Austin/Mower County Homeownership Fund Program
$4,000 (507) 864-7741
Chaska Clover Ridge Owner Occupied Assistance Program (OOAP)
$5,000 (952) 448-2851
Duluth Neighborhood Housing Services "Homeownership Program with Employers" in Lincoln Park Grant (HOPE)
$4,000 (218) 727-8604
Duluth Neighborhood Housing Services of Duluth Homeownership Incentive Program (HIP)
$4,000 (218) 628-1057
Duluth NHS/Hillside Homeownership Incentive Program (HIPP)
$4,000 (218) 628-1057
East Grand Forks Downpayment Assistance Program
$3,000 (218) 773-2371
East Grand Forks New Construction Incentive (NCI) Program
$10,000 (218) 773-2371
Elliot Park Neighborhood Improvement, Inc. Homebuyers Assistance Program
$5,000 (612) 335-5885
Hutchinson Housing & Redevelopment Authority Down Payment Assistance Program (DPA)
$2,000 (320) 234-4451
Itasca County/Koochiching County KOOTASCA Community Actions Homebuyer Program (HBP)
$7,000 (218) 326-8539
Mankato Homeownership Program (HOP) 2nd Lien
$17,500 (507) 387-8622
Mankato Revolving Loan Fund (RLF) 3rd Lien
$3,000 (507) 387-8622
Minneapolis Equity Participation Loan Program (EPL)
$30,000 (612) 673-5289
Minneapolis Folwell Neighborhood Association First Time Home Assistance Program (FTHP)
$2,000 (612) 588-3033
Minneapolis Hawthorne Homestead Program (HHIP)
$25,000 (612) 339-0601
Minneapolis/MCDA Closing Cost Loan (CCL) Program
$3,500 (612) 673-5289
Multi Cities Tri-County Actions Programs, Inc. Homeowner Gap Financing Program (GAP)
$10,000 (320) 255-0705
Multi Counties Arrowhead Economic Opportunity Agency Inc Homeownership Opportunity Program (HOP)
$5,000 (800) 662-5711
Multi Counties Headwaters Housing Development Corporation Two Note Program (TNP)
$30,000 (218) 444-4732
Northfield Housing Assistance Program (NHAP)
$5,000 (507) 645-8833
Pennington County Affordable Housing Program (AHP) Community Revitalization Fund Program (CRF) 3rd Lien
$7,000 (218) 637-2431
Pennington County Affordable Housing Program (AHP) Loan Pool Funds (LPF) 2nd Lien
$4,000 (218) 637-2431
Ramsey County First Time Home Buyer Grants Program (FBAP)
$20,000 (651) 266-8025
Red Lake County Affordable Housing Fund (AHF) Affordable Housing Loan Pool Fund (LPF) 2nd Lien
$5,000 (218) 637-2431
Red Lake County Affordable Housing Fund (AHF) Community Revitalization Fund (CRF) 3rd Lien
$8,000 (218) 637-2431
Rochester First Homes GAP Loan Program (GAP)
$15,000 (507) 281-7396
St Paul Community Neighborhood Housing Services, Down Payment Assistance Program (DPAP)
$3,000 (651) 292-8710
Thief River Falls Slow Second Mortgage Program (SSMP)
$12,500 (218) 681-2500
Washington County First Time Home Buyer Grants Program (FBAP)
$10,000 (651) 266-8025


Mississippi Down Payment Assistance Programs

Biloxi & Gulfport Gulf Coast Community Action Agency Inc HOME Grant (HG)
$14,975 (228) 896-1409
Biloxi PRIDE Homeownership Program (PRIDE)
$7,500 (228) 435-6280
Mississippi Downpayment Assistance Program
$25,000 (601) 718-4626
Newton First-Time Homebuyer Grant Program (GRANT)
10,000 (601) 683-6181

Missouri Down Payment Assistance Programs

Columbia Enterprise Development Corporation (EDC) Home Ownership Assistance Program (HOP)
$2,500 (573) 874-7239
Columbia Home Investment Partnership Program (HIPP) $5000 Loan
$5,000 (573) 874-7239
Columbia Home Investment Partnership Program (HIPP) Additional Assistance Loan
$22,500 (573) 874-7239
Springfield West Central Neighborhood Alliance Downpayment/Closing Cost Assistance Program
$3,000 (417) 865-8842
St. Louis (City & County) St. Louis Reinvestment Corporation Closing Cost Grant Assistance (CCGA)
$5,000 (314) 588-9334
St. Louis (City and County) St Charles County Catholic Commission on Housing First Time Homebuyer Program (FTHP)
$3,500 (314) 371-0144
St. Louis County 1st Home Downpayment and Closing Cost Loan Program (CCLP)
$3,000 (314) 615-4405
St. Louis Grant Down Payment Assistance Program (DPA)
$2,500 (314) 533-0600
St. Louis Homebuyers Assistance Program (HAP)
$2,500 (314) 622-3400
St. Peters Home Ownership Program (HOP)
$5,000 (636) 477-6600
St.Louis International Institute Saint Louis IDA Home Purchase (IDA)
$4,000 (314) 773-9090

 

Montana Down Payment Assistance Programs

Great Falls Neighborhood Housing Services Inc Lender Pool Loan Program (LPL)
$75,000 (406) 761-5861
Havre First Time Homebuyer Program
$59,568 (406) 265-9226
Lewistown Homebuyer Assistance Program (HAP)
$20,000 (406) 538-7127
Montana Homeword Inc Reach for the Dream Program (DAP)
$4,500 (406) 543-3550
Montana Neighborhood Housing Services Inc of Great Falls Amortizing Down Payment and Closing Cost Program (ADPCC)
$5,000 (406) 761-5861
Montana Neighborhood Housing Services of Great Falls State 80% to 115% AMI Second Mortgage Program (SMP)
$5,000 (406) 761-5861
Multi Counties Great Falls NHS Inc of Great Falls STATE Due on Sale Program (SDOS)
20,000. (406) 761-5861


Nebraska Down Payment Assistance Programs

Douglas County Holy Name Housing Corporation, New Community Development Corporation and Omaha Economic Development Corporation, Focus Community Initiative Challenge Grant (GRANT)
$3,000 (402) 451-2939
Grand Island Homeownership Opportunity Program
$22,000 (30 385-5444
Hastings Southwood Subdivision Down Payment Assistance (DPA)
$25,000 (402) 461-4115
Lancaster County Affordable Homeownership Program (HOP)
$3,750 (402) 467-2371
Lincoln First Home Program (FHP)
$25,000 (402) 477-7181
Multi Counties Blue Valley Community Action Inc Homeownership Opportunity Program (HOP)
$10,000 (402) 729-2278
Multi Counties High Plains Community Development Corporation Down Payment & Closing Cost Assistance Program (DAP)
$3,540 (30 432-4346
Multi Counties Northeast Economic Development, Inc. Northeast Regional Down Payment Assistance Program (DPAP)
$20,000 (402) 379-1150
Multi Counties Northern Ponca Housing Authority Downpayment Assistance Program (DAP)
$20,000 (402) 379-8224
Norfolk Elkhorn Valley Community Development Corporation Homeownership Opportunity Program (HOP)
$15,000 (402) 379-3311
Omaha Housing Authority Public Housing Homeownership Program (PHHP)
$50,000 (402) 444-3215


Nevada Down Payment Assistance Programs

Clark County Neighborhood Housing Services of Southern Nevada Inc Revolving Loan Fund (RLF)
$3,000 (702) 649-0998
Clark County Neighborhood Housing Services of Southern Nevada, Inc. First Home Down Payment Assistance Program (DAP)
$10,000 (702) 649-0998
Henderson First Time Home Buyer Program (FTHB)
$30,000 (702) 565-2164
Multi Counties Western Nevada HOME Consortium Down Payment Assistance (DPA)
$10,000 (775) 883-7333
Rural Nevada Development Corporation Down Payment Assistance Program DPA
$25,000 (775) 289-8519
Washoe County Community Service Agency New Opportunities For Homeownership Program (HOP)
$5,000 (775) 786-6023

 

New Jersey Down Payment Assistance Programs

Atlantic City Casino Reinvestment Development Authority (CRDA) Brighter Tomorrow Home Loan Program (HLP)
26,900 (609) 347-0500
Burlington County First Time Homebuyer Program (FTHP)
$3,500 (609) 265-5072
Camden First Time Homebuyers Program (FTHP)
$3,500 (856) 757-7284
East Orange Homebuyers Purchase Program (HPP)
$10,000 (973) 266-5416
Gloucester County Homebuyers Program (HP)
$10,000 (856) 384-6986
Hudson County First Time Homebuyers Program (FTHP)
$20,000 (201) 875-5581
Jersey City, First Time Homebuyer Program
$25,000 (201) 547-4793
Monmouth County First Time Homebuyers Program (FTHP)
$10,000 (732) 431-7490
Ocean County First Time Homebuyer Program (FTHP)
$7,000 (732) 929-2054
Vineland Strategic Neighborhood Assistance Program/Urban Coordinating Council Home Ownership Assistance Program (HOAP)
$2,500 (856) 563-5376


New Mexico Down Payment Assistance Programs

Albuquerque Family Housing Development Program Soft Second Loan (SSL)
$25,000 (505) 768-2836
Albuquerque United South Broadway Corporation Down Payment/Closing Cost Grant Program
$3,000 (505) 764-8867
Las Cruces Home Choice II Program (HCP)
$25,000 (505) 528-1231
Southern New Mexico- Tierra Del Sol Housing Corporation - Federal Home Loan Bank of Dallas Affordable Housing Program (AHP)
$5,000 (800) 362-2944

 

New York Down Payment Assistance Programs

Albany Home Acquisition Program (HAP)
$15,000 (518) 434-5273
Binghamton First Ward Action Council Affordable HOME Program (AHP)
$10,000 (607) 231-2850
Buffalo HomeFront Inc Down Payment & Closing Cost Assistance Program (DPCC)
$5,000 (716) 856-2952
Chautauqua County Federal Home Loan Bank of New York Affordable Housing Program (AHP)
$25,000 (716) 841-1603
Chemung, Schuyler & Steuben Counties - Tri County Housing Council HOME Program
$12,100 (607) 562-2477
Glens Falls First Time Homebuyer Program (FTHB)
$25,000 (518) 761-3833
Hamburg Hometown Housing Program Existing Home
$10,000 (716) 648-6216
Multi Counties Bishop Sheen Ecumenical Housing Foundation Inc First Time Homebuyer HOME Program (FTHHP)
$12,480 (716) 461-4263
Multi Townships M-ARK Project Inc First Time Homebuyers Program (FTHB)
$15,000 (845) 586-3500
New York Bishop Sheen Ecumenical Housing Foundation Home Ownership Loan Program
$3,000 (716) 461-4263
Rochester Home Expo Program (HOME)
$22,500 (716) 325-4663
Rochester Home Purchase Assistance Program (HPAP)
$5,000 (716) 325-4663
Rochester, HOME Rochester (HR)
$25,000 (716) 325-4663
Suffolk County First Time Home Buyers Down Payment Assistance Program (DPAP)
$10,000 (516) 853-5705
Syracuse University Neighborhood Preservation Association Mortgage Assistance Program (MAP)
$3,000 (315) 476-5228
Ulster County Rural Ulster Preservation Company Direct Homeownership Assistance Program (DHAP)
$15,000 (845) 331-2140
Yates County Keuka Housing Council Inc Home Ownership Program (HOP)
$12,000 (315) 536-8707
Yates County New Construction Program (NCP)
$25,000 (315) 536-8707

There are certain areas in NY where lenders are able to offer better interest rates and programs than those available everywhere else.
There are many government or other agency sponsored mortgage programs specifically targeted to, and only available in these areas.

In New York City there is the "HomeFirst Down Payment Assistance Program". It gives qualified buyers up to 6% of a home's purchase price toward the down payment or closing costs. This can be on a 1-4 family home, a condominium, or a cooperative in one of the 5 boroughs of New York City.

Bronx
NHS of the North Bronx
1178 East Gun Hill Road
Bronx, NY 10469
Tel: (718) 881-1180 x202
Languages: English and Spanish

NHS of the South Bronx
Concourse Plaza
200 East 161st Street
Bronx, NY 10451
Tel: (718) 992-5979
Languages: English and Spanish

Brooklyn
ACORN Housing Corporation
2-4 Nevins Street, 2nd Floor
Brooklyn, NY 11217
Tel: (718) 246-8080
Languages: English and Spanish

Cypress Hills Local Development Corporation
3214 Fulton Street
Brooklyn, NY 11208
Tel: (718) 647-8100
Languages: English and Spanish

NHS of Bedford Stuyvesant
1012 Gates Avenue
Brooklyn, NY 11221
Tel: (718) 919-2100
Languages: English and Spanish

NHS of East Flatbush
2806 Church Ave
Brooklyn, NY 11226
Tel: (718) 469-4679
Languages: English

Pratt Area Community Council
201 DeKalb Avenue
Brooklyn, NY 11205
Tel: (718) 522-2613
Languages: English

Neighbors Helping Neighbors
443 39th Street, Suite 202
Brooklyn, NY 11232
Tel: (718) 686-7946 x17
Languages: English and Spanish

Manhattan
Abyssinian Development Corporation
4 West 125th Street
New York, NY 10027
Tel: (212) 368-4471
Languages: English

Asian Americans For Equality
111 Division Street
New York, NY 10002
Tel: (212) 964-2288
Languages: Mandarin, Cantonese, Korean

Queens
NHS of Jamaica
89-70 162nd Street
Jamaica, NY 11432
Tel: (718) 291-7400 x13
Languages: English

NHS of Northern Queens
60-20 Woodside Avenue
2nd Floor
Woodside, NY 11377
Tel: (718) 457-1017
Languages: English and Spanish

Staten Island
NHS of Staten Island
West Brighton
1205 Castleton Avenue
Staten Island, NY 10310
Tel: (718) 442-8080
Languages: English and Spanish

Northfield Community Local Development Corporation
160 Heberton Avenue
Staten Island, NY 10302
(718) 442-7351
Languages: English

Most programs administrators place a lien on the home whose owner received downpayment assistance. The amount of the lien is reduced every year and eventually eliminated after a certain number of years. If a home owner sells his property or refinance to cash out equity while there is still a lien on the property, he will need to return part of the assistance. Such measure is in place to prevent assistance recipients taking advantage of the assistance programs by "flipping", or quickly buy and sell, properties.

These type of programs are in place for first time home buyers who need assistance with down payment and/or closing costs. These programs also help the economy by allowing more homes to be sold because more buyers are now available to purchase homes.

 

North Carolina Down Payment Assistance Programs

Asheville Neighborhood Housing Services, Inc. of Asheville Single Family New Construction Program (SFNC)
$25,000 (828) 251-5054
Cumberland County First Time Homebuyers Program (FTHB)
$25,000 (910) 323-6112
Durham First Time Homebuyers Program (FTHP)
$20,000 (919) 560-4570
Gaston County Homebuyers Assistance Program
$3,500 (704) 866-6756
Greensboro Affordable Home Loan Initiative Program (GAHLI)
$5,500 (336) 373-4146
Hickory 1st Time Homebuyers Program (FTHB)
10,000. (828) 323-7414
High Point Homeownership Assistance Program (HAP)
$10,000 (336) 883-3347
Iredell Statesville Housing Authority HOME Program Funds
$15,000 (704) 872-9811
Orange County HOME Downpayment Assistance Program
$25,000 (919) 644-3056
Pasquotank County, Community Homebuyers Assistance Program (HAP)
$3,000 (252) 335-3702
Wilson County Affordable Home Ownership Program
$5,000 (252) 399-2230


North Dakota Down Payment Assistance Programs

Fargo First Time Home Buyer Grants Program (HAP)
$3,500 (701) 297-7783
Grand Forks Affordable In-Fill Program (DAP)
$49,999 (701) 746-2545
Grand Forks American Dream Program Down Payment And Closing Cost Gift Assistance (DCA)
$5,000 (701) 746-2545
Grand Forks Home Ownership Assistance Program (HOAP)
$13,000 (701) 746-2545
Mulit-Counties Lewis and Clark Community Works Dream Fund Affordability Gap Program (DFAG)
$100,000 (701) 255-4591

 

Ohio Down Payment Assistance Programs

Ashtabula County Community Housing Improvement First Time Homebuyers Assistance Program (FTHB)
6,000. (440) 576-3853
Athens Home Ownership Made Easier Program (HOME)
$10,000 (740) 592-3342
Cincinnati Metropolitan Housing Authority Hope VI Subsidy
$112,275 (513) 977-5729
Cincinnati The Home Ownership Center of Greater Cincinnati Inc Empowerment Zone Downpayment Assistance Program (DAP)
$2,500 (513) 961-2800
Cleveland Neighborhood Housing Services of Cleveland Inc Downpayment Closing Cost Assistance Loan (DPCCAL)
$25,000 (216) 361-0516
Cleveland, Action to Support Housing Second Mortgage Assistance Program (SMAP)
$20,000 (216) 621-7350
Columbus School District Columbus Neighborhood Housing Services Inc. Downpayment Assistance Program (DAP)
$2,000 (614) 224-3603
Dayton Citywide Building Finance Corporation Neighborhood Lending Down Payment Assistance Program (NLDPAP)
$3,000 (937) 226-0457
East Cleveland Home Ownership Program (HOP)
$3,700 (216) 681-2404
Franklin County Columbus Housing Partnership Down Payment Assistance Program
$3,000 (614) 221-8889
Franklin County Down Payment Assistance Program (DPAP)
$5,000 (614) 221-8889
Hamilton County Greater Cincinnati Mortgage Counseling Service American Dream Accounts Programs (ADAP)
$2,500 (513) 948-8820
Hamilton County HOME Program (HCHP)
$25,000 (513) 946-4481
Hancock County First Time Home Buyer Grants Program
$6,000 (419) 424-7094
Kettering First Time Homebuyers Program (FTHP)
$2,500 (937) 296-2401
Lancaster Homebuyer Acquisition Assistance Program (HAAP)
$5,000 (740) 687-6663
Madison County Community Housing Improvement Program (CHIP)
$33,000 (614) 445-8373
Mansfield Homebuyer Assistance Program (HAP)
$10,000 (419) 755-9793
Massillon Homebuyers Assistance Program (HAP)
$6,250 (330) 830-1717
Montgomery County - County Corp Lease Purchase Program (LPP)
$5,000 (937) 225-6328
Montgomery County - County Corp. Downpayment Plus Program (DPP)
$2,500 (937) 225-6328
Morgan / Washington Counties Community Housing Improvement Program (CHIP)
$4,000 (740) 373-6623
Multi Counties Better Housing League of Greater Cincinnati/Ohio Trust Fund Gift Program (GIFT)
$2,000 (513) 721-6855
Multi Counties Rural Opportunities Inc First Time Homebuyer Program (FTHP)
$2,500 (330) 821-4740
Multi County Greater Cincinnati Mortgage Counseling Service Downpayment Assistance Program (DAP)
$2,000 (513) 948-8820
Ohio North Fairmont Community Center Grant Program
$1,000 (513) 921-5842
Ohio Three Rivers Housing Corporation Downpayment Assistance Program (DAP)
$40,000 (740) 797-7139
Shaker Heights Neighborhood Revitalization Department Funds for the Future of Shaker Heights Program (FFF)
$12,000 (216) 491-1330
Sidney Community Housing and Improvement Program (CHIP)
$5,700 (419) 352-7537
Springfield Home Purchase & Rehabilitation Incentive Program
$25,000 (937) 324-7368
Springfield Redevelopment Corp. Downpayment Assistance Program
$3,000 (937) 322-4623
Van Wert County Homebuyer Assistance Program
$6,600 (419) 238-4544
Warren County First Time Homebuyers Assistance - Deferred Loan Program (DLP)
$55,000 (513) 695-1259
Youngstown Homebuyer Program (HP)
$3,000 (330) 744-0854

 

Oklahoma Down Payment Assistance Programs 

Grady County Homebuyer Assistance Program (HAP)
$12,500 (405) 224-5211
Lawton Homebuyers Assistance Program (HAP)
$40,000 (580) 581-3347
Midwest City Homebuyers Assistance Program (HAP)
$2,500 (405) 739-1221
Multi Counties Community Action Resource & Development (CARD) Opportunity to Own Assistance Program (OAP)
$25,000 (918) 341-5000
Multi Counties Ki Bois Community Action Foundation Inc Home Buyer Program (HBP)
$7,500 (918) 967-9050
Multi County Community Action Project of Tulsa County Inc. First Time Home Buyers Program (FTHP)
$7,000 (918) 382-3241
Oklahoma City Down Payment/Closing Cost Program (DPCC)
$3,500 (405) 297-2904
Oklahoma Community Action Agency of Oklahoma City and Oklahoma/Canadian Counties Inc Home Buyer Program (HBP)
$6,600 (405) 232-0199
Oklahoma Housing Authority of the Peoria Tribe of Indians of Oklahoma Down Payment Assistance Program (DAP)
$20,000 (918) 542-1873
Tulsa Housing Partners of Tulsa, Inc. First Time Homebuyers Program (FTHP)
$2,000 (918) 581-5907

 

Oregon Down Payment Assistance Programs

Clackamas County Homeowner Assistance Program (CHAP)
$10,000 (503) 655-8591
Corvallis First Time Home Buyer Program (FTHP)
$6,000 (541) 766-6944
Eugene Homebuyer Assistance Program (HAP)
$4,000 (541) 682-5529
Portland Housing Center Closing Cost Assistance (CAP)
$10,000 (503) 282-7744
Portland Housing Center Mortgage Assistance Program 20 Targeted (MAP 20T) and City Wide (MAP 20C)
$50,000 (503) 282-7744
Portland Shared Appreciation Mortgage Program (SAM)
$30,000 (503) 823-3401
Salem Deferred Payment Loan (DPL)
$10,000 (503) 588-6173
Springfield Home Ownership Program (SHOP)
$4,000 (541) 726-3799
__________________

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.

 

Pennsylvania Down Payment Assistance Programs

Bucks County First Time Homebuyer Program (FTHB)
$10,000 (215) 598-3566
Carbondale First Time Homebuyer Assistance Program
$5,000 (570) 282-0280
Chester Economic Development Authority Moderate Income Homebuyer Assistance Program (MIHAP)
$5,000 (610) 447-7850
Chester Homebuyer Assistance Program (HAP)
$10,000 (610) 447-7850
Dauphin County First Time Home Buyers Program (FTHB)
$3,500 (717) 780-6250
Jeannette Downpayment and Closing Cost Assistance Program (DAP)
$3,000 (724) 527-4000
Luzerne County The Growing Homeowners Initiative Program (GHI)
3750.00 (570) 824-4803
Pennsylvania Trehab Center Inc Homeownership Program (HP)
$14,999 (570) 278-5238
Philadelphia Neighborhood Housing Services, Inc. Settlement Cost Assistance GRANT
$1,000 (215) 829-9899
Philadelphia Settlement Grant Program
$1,000 (215) 686-9706
Schuylkill County Schuylkill Community Action Closing Cost Assistance Program (CCAP)
$1,000 (570) 622-1995
Scranton Homebuyers Assistance Program (HAP)
$10,000 (570) 348-4168
York 3/2 Low, Moderate & Unlimited Income Mortgage Assistance Program (MAP)
$25,000 (717) 854-1541
York County 3/2 Low Income Program (LIP)
$5,000 (717) 854-1541

Each program has individual guidelines for borrowers to qualify for the assistance. There are many programs available for 100% financing and 103% financing that can help borrowers who don't qualify for the Down Payment Assistance programs.

 

Rhode Island Down Payment Assistance Programs

Cranston Closing Cost Assistance Program (CCAP)
$2,800 (401) 461-1000
Pawtucket Starter Home Grant Program (SHG)
$10,000 (401) 724-5200
Providence Dept. Planning & Development Down Payment/Closing Cost Assistance Program (DAP)
$2,500 (401) 351-4300
Woonsocket Spring Ahead Value Enterprise (SAVE)
$10,000 (401) 762-9228

Down payment for a home can be done through credit card as well if you are not suffering from bad credit problem. There are a number of companies offering different credit card types ranging from standard to platinum, etc... However, each credit card company has its own repute among the consumers; e.g. discover credit card is considered the most loyal credit card. Many cards like HSBC credit card have a global presence, as well as sophisticated services. Others offer interest free credit cards. An example of this is american credit cards, which offer 55 days interest free services.

 

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