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Down Payment Assistance Information - Part III

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 South Carolina through Wisconsin.

 

South Carolina Down Payment Assistance Programs

Richmond County United Black Fund of the Midlands/Columbia Housing Authority Homeownership Program (HOP)
$20,000 (803) 256-0207
Rock Hill Joint Venture Affordable Housing Corporation First Time Homebuyers Down Payment & Closing Cost Assistance Program
$5,000 (803) 329-8719
Spartanburg County Homeownership Program (HOP)
$5,000 (864) 596-2416

 

South Dakota Down Payment Assistance Programs 

Multi-County Neighborhood Housing Services of Black Hills Down Payment and Closing Costs Assistance Program (DAP)
$2,000 (605) 578-1401
Multi-County Neighborhood Housing Services of Black Hills Loan Criteria Program
$10,000 (605) 578-1401
Sioux Falls Homebuyers Assistance Program (HAP)
$8,000 (605) 367-8825

 

Tennessee Down Payment Assistance Programs 

Chattanooga Neighborhood Enterprise Inc. Affordable Housing Assistance Program
$7,500 (423) 756-6201
Davidson County Home Ownership Metro Employee Program (HOME)
$6,000 (615) 780-7000
Hamblen County Area Housing Opportunities Committee Gift Program (GIFT)
$2,500 (423) 586-8421
Jackson Affordable Housing Community Development Corporations SMART To Live in Jackson Program (SMART)
$4,000 (731) 422-1366
Knoxville Community Development Corporation Home Ownership HOPE VI Program (HOPEVI)
$15,000 (865) 594-8800
Knoxville County Knox Housing Partnership Down Home
$15,000 (865) 637-1679
Memphis City-Wide Down Payment Assistance Program (CWDPA)
$10,000 (901) 576-7424

 

Texas Down Payment Assistance Programs

Abilene First Time Home Buyers (FTHB) Program
$3,000 (915) 676-6363
Arlington Homebuyers Assistance Program (AHAP)
$4,000 (817) 459-6231
Athens Homebuyer Assistance Program (HAP)
$7,500 (903) 677-6610
Austin Housing Finance Corporation Home Downpayment Assistance Program (HDPA)
$5,000 (512) 499-3149
Brazoria County First Time Homebuyer Program
$5,000 (979) 864-1860
Bryan Down Payment Assistance Program (DA)
$12,500 (979) 209-5183
College Station Downpayment Assistance Program
$15,000 (979) 764-3810
Corpus Christi Home Buyer Program (HBP)
$3,000 (361) 880-3010
Corpus Christi New Construction Homebuyer Program (NCP)
$20,000 (361) 880-3010
Dallas County Upfront Cost Assistance (UPCAP) Program
$3,000 (214) 819-6060
Dallas Mortgage Assistance Program (MAP)
$13,500 (214) 651-7789
Dallas Piedmont/Seyene Housing Trust Fund Homeowner Assistance Plan
$14,000 (214) 943-9007
Denton Homebuyer Assistance Program (HAP)
$19,900 (940) 349-7726
El Paso Housing Assistance Program (HAP)
$20,000 (915) 541-4888
Fort Worth Closing Cost Assistance Program (CCAP)
$3,000 (817) 874-7540
Fort Worth Deferred Payment Loan (DPL)
$14,999 (817) 874-7540
Garland NU STAR Infill Program (INFILL)
$10,000 (972) 205-3321
Garland Village of Eastgate Homebuyer Assistance Program (HAP)
$8,700
Greenville Homebuyer Assistance Program (HAP)
$5,000 (903) 457-3160
Harlingen Community Development Corporation Homebuyers Program (HP)
$40,000 (956) 421-2351
Harris County HACH Public Housing Homeownership Program (PHHP)
$25,000 (713) 260-0763
Harris County Mortgage Assistance Program (MAP)
$35,000 (713) 578-2000
Harris County/Houston City-Homebuyer Assistance Program (HAP)
$9,500 (713) 644-8488
Hidalgo County Homebuyer Assistance Program (HAP)
$5,000 (956) 318-2619
Houston Alliance for Multicultural Community Services The Alliance IDA Program (IDA)
$4,000 (713) 776-4700
Houston Covenant Community Capital Corporation Smart Savings Program (SSP)
$2,000 (713) 223-1864
Laredo First Time Homebuyer Downpayment Assistance Program (FTHB)
$15,000 (956) 795-2675
Lubbock Down Payment & Closing Cost (DP/CC) Assistance Program
$4,000 (806) 745-9559
Marshall First Time Homebuyer Downpayment and Closing Cost Program (FTHB)
$2,500 (903) 935-4457
McLennan County Neighborhood Housing Services of Waco, Inc. Downpayment Assistance Program (DAP)
$12,000 (254) 752-1647
Midland Neighborhood Housing Services Down Payment Assistance Program (DPAP) - NCR/Option 2
$3,000 (915) 687-6647
Midland Neighborhood Housing Services Down Payment Assistance Programs (DPAP) - HIP/Option 1
$3,000 (915) 687-6647
Multi Counties Lubbock Housing Finance Corporation Welcome Home Gift Program (GIFT)
$6,300 (806) 745-9559
Multi Counties Southeast Texas Finance Corporation First Time Homebuyer Assistance Program (FTHP)
$5,000 (281) 484-4663
New Braunfels Homebuyer Assistance Program (HAP)
$5,000 (830) 608-2100
Nueces County Community Action Agency First Time Homebuyers Program
$13,000 (361) 883-7201
Pasadena First Time Homebuyer Assistance Program - SETH
$5,000 (281) 484-4663
Plano First Time Homebuyer Program (FTHB)
$4,000 (972) 941-7665
Round Rock Home Ownership Assistance Program (HOAP)
$5,000 (512) 341-3320
San Antonio Homeownership Incentive Program (HIP)
$8,000 (210) 225-6833
San Antonio Our Casas Leverage Loan Program (LLP)
$10,000 (210) 225-6833
San Benito HOME Investment Partnership Program (HIPP) 2nd Lien
$10,000 (512) 475-1391
San Benito HOME Investment Partnership Program (HIPP) 3rd Lien
$5,000 (512) 475-1391
Sherman First Time Homeownership Closing Cost Grant Program (FHCCP)
$2,000 (903) 892-7227
Tarrant County Housing Partnership Inc Homebuyer Assistance Program (HAP)
$4,000 (817) 924-5091
Temple Affordable Housing Program (AHP) 2nd
$5,000 (254) 298-5670
Temple Affordable Housing Program (AHP) 3rd
$1,250 (254) 298-5670
Temple Homeownership Program (HOP) 2nd
$7,500 (254) 773-2009
Temple Homeownership Program (HOP) 3rd
$2,500 (254) 773-2009
Terrell First Time Homebuyer Program (FTHP)
$5,000 (972) 551-6670
Texas City First Time Homebuyer Assistance Program (FTHB)
$2,500 (409) 643-5730
Texas United Cerebral Palsy of Texas Home of Your Own (HOYO) First Time Home Buyer Grants (HBA)
$14,999 (512) 472-8696
Val Verde County Del Rio Housing Authority Homebuyer Assistance Program (HAP)
$50,000 (830) 774-6506
Victoria Mortgage Assistance Program (MAP)
$1,500 (361) 572-2795
Waco New/Acquisition Housing Loan Program (HLP)
$18,000 (254) 750-5629
Webb County Laredo-Webb NHS First Time Homebuyer Home Ownership Pilot Program (HOP)
$2,000 (956) 712-9100
Wichita Falls First-Time Homebuyers Program (FTHP)
$7,500 (940) 761-7454


Utah Down Payment Assistance Programs 

Logan Neighborhood Non-Profit Welcome Home Own in Logan Program (DPA)
$5,000
Multi Counties Bear River Association of Governments First Time Homebuyer Program (FTHB)
$1,600 (435) 752-7242
Multi Counties Housing Services of Utah Valley Loan to Own Program (LTO)
$7,000 (801) 852-6164
Ogden Lincoln Court Townhomes Downpayment Assistance Program (DAP)
$4,249 (801) 629-8942
Ogden Own-in-Ogden Program
$10,000 (801) 629-8942
Ogden Urban Homestead Program (UHP)
$50,000 (801) 629-8942
Provo 80/20 Down Payment and Closing Cost Assistance Program (DPA)
$24,000 (801) 852-6160
Provo Down Payment and Closing Cost Assistance Program (DPCCA)
$7,000 (801) 852-6160
Provo Neighborhood Housing Services, Inc. Down Payment and Closing Cost Assistance Program (DPCCP)
$10,000 (801) 375-5820
Salt Lake Community Development Corporation of Utah Own in Salt Lake Downpayment Assistance Program (DAP)
$2,500 (801) 994-7222
Salt Lake Neighborhood Housing Services Inc A Home to Own Program (DAP)
$2,000 (801) 539-1590
Tooele County Down Payment Assistance Program (DAP)
$2,000 (435) 882-7875
West Jordan Down Payment Assistance Program (DPA)
$5,000 (801) 569-5060
West Valley City Home Ownership Program (HOP)
$5,000 (801) 963-3280

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.

 

Vermont Down Payment Assistance Programs 

Burlington Community Land Trust Program
$30,000 (802) 862-6244


Virginia Down Payment Assistance Programs

Arlington County Moderate Income Purchase Assistance Program
$14,999 (703) 486-0626
Loudoun County Down Payment and Closing Cost Assistance Program (DPCC)
$5,000 (703) 777-0389
Norfolk HOME Program
$35,000 (757) 623-1111
Portsmouth The Center for Community Development Affordable Housing for First Time Homebuyers (FTHB)
$45,000 (757) 399-0925
Richmond Direct Homeownership Assistance Plus (DHAP)
$10,000 (804) 354-0641
Richmond Keystone Program Direct Homeownership Assistance (DHA)
$7,500 (804) 354-0641

Washington Down Payment Assistance Programs

Bremerton Down Payment Assistance Program (DAP)
$5,000 (360) 478-5375
Clark County Columbia Non-Profit Housing Corporation First Home Loan Program (FHLP)
$26,000 (360) 993-9555
Kitsap County Down Payment Assistance Program (DPA)
$5,000 (360) 692-5596
Kitsap County Vikings Crest SSP Program
$2,500 (360) 692-5596
Lakewood Down Payment Assistance Program (DPA)
$5,000 (253) 589-2489
Multi-Counties Spokane Neighborhood Action Programs Eastern Washington IDA Network (IDA)
$4,000 (509) 456-7174
Pierce County Down Payment Assistance Program (DPAP)
$5,000 (253) 798-6909
Richland Down Payment Assistance Program (DPAP)
$5,000 (509) 942-7580
Seattle Delridge Neighborhood Development Association Downpayment Assistance Program (DAP)
$35,000 (206) 923-0917
Seattle Down Payment Assistance Program "New Holly" Project
$30,000 (206) 684-0300
Seattle First Time Home Buyer Grants Program (HAP)
$30,000 (206) 760-4355
Seattle Homebuyer Assistance Program (HAP) Brandon Court Project
$30,000 (206) 684-0262
Spokane County Downpayment Assistance Program (DPA)
$15,450 (509) 456-7106
Spokane County Spokane Neighborhood Action Programs State Five Program (DAP)
$15,000 (509) 456-7106
Spokane Down Payment Assistance Program (DPA)
$10,000 (509) 456-7106
Tacoma Downpayment Assistance Program (DAP)
$10,000 (253) 591-5219
Yakima Down Payment Assistance Program (DAP)
$4,000 (509) 576-6326

 

Washington D.C. Down Payment Assistance Programs

District of Columbia Greater Washington Urban League (Very Low Income) Home Purchase Assistance Program (VPAP)
$20,000 (202) 265-8200
District of Columbia Greater Washington Urban League Employer Assistance Housing Program (EAHP)
$11,500 (202) 265-8200
District of Columbia Greater Washington Urban League, Inc. (Low Income) Home Purchase Assistance Program (HPAP)
$15,000 (202) 265-8200
District of Columbia Greater Washington Urban League, Inc. (Moderate Income) Home Purchase Assistance Program (MPAP)
$10,000 (202) 265-8200
District of Columbia Housing Authority (DCHA) Scattered Site Program (SSP)
100,000 (202) 535-2572

Wisconsin Down Payment Assistance Programs

Beaver Dam MSA Professional Services Housing Rehabilitation Program (HRP)
$2,500 (920) 887-4600
Clark County Down Payment and Closing Cost Loan (DPCC)
$25,000 (715) 267-7356
Dodge County MSA Professional Services Home Purchaser Program (HPP)
$15,000 (800) 552-6330
Douglas County Home Ownership Opportunity Program (HOOP)
$3,200 (715) 395-7335
Eau Claire Downpayment Closing Cost Assistance Program (DCCAP)
$2,500 (715) 839-4943
Green Bay NHS Inc Downpayment Assistance/Closing Cost Assistance Program
$5,000 (920) 448-3075
Green County MSA Professional Services Home Purchaser Program (HPP)
$25,000 (800) 552-6330
Janesville Downpayment & Closing Cost Assistance Program (DCCAP)
$3,500 (60 755-3067
Manitowoc County Hmong Mutual Assistance Association Housing Cost Reduction Initiative Program (HCRI)
$2,500 (920) 458-0808
Milwaukee County Suburban First Time Homebuyers Program (FTHP)
$5,000 (414) 278-4877
Milwaukee Neighborhood Housing Services, Inc Homeownership Consortium Reduction Initiative (HCRI)
$2,500 (414) 383-2272
Northwest Wisconsin Home Purchase Program (HPP)
$25,000 (715) 635-2197
Racine Homebuyer Downpayment Assistance Program (HDAP)
$7,455 (262) 636-9151
Rock County Home Purchase Assistance (HPA)
$45,000 (60 757-5587
Rusk County Homestead Opportunity Program
$25,000 (715) 532-9075
Sheboygan County Hmong Mutual Assistance Association Housing Cost Reduction Initiative Program (HCRI)
$3,500 (920) 458-0808
Sheboygan Downpayment Assistance Program (DAP)
$3,500 (920) 458-0808
Waukesha County HBC Services Inc Grant Program (GRANT)
$1,500 (262) 650-3627
Wausau House Cost Initiative Program
$3,500 (715) 261-6682
West Allis Homebuyers Loan Program
$4,000 (414) 302-8430
Wisconsin Ho-Chunk Housing Authority Down Payment Assistance Grant Program (GRANT)
$5,000 (800) 236-2260

To qualify for these programs you will have to meet certain financial and housing guidelines. Not all borrowers will qualify for down payment assistance programs.

There are many ways to secure 100% financing and securing a mortgage without a down payment assistance program. 100% financing will require less paperwork and eliminate potential complications between the lender and the downpayment program.

Also there are new downpayment programs coming out all the time, so be sure to check what is available to you, in the area you are looking to purchase.

Be sure and ask your mortgage broker if the down payment assistance program requires the assistance amount to be paid back or if it is forgiven after a period of time.

Know that not all lenders will work with down payment assistance programs. If you choose to use such a program, your mortgage choices will become more limited.

 

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

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