A little help with the first step.

Help comes in different forms.

States, counties, and cities may offer grants, low-interest or forgivable second loans, and mortgage credit certificates or other tax benefits where available. Not every area offers every option, and funding can run out.

• Grants: May not need repaying if you meet the program’s conditions.
• Second loans: May have monthly payments, deferred payments, or forgiveness over time. Selling, refinancing, or moving out can trigger repayment.
• Tax benefits: A qualifying program may reduce tax owed. It is not necessarily cash you can use for your down payment; ask a qualified tax professional.

Ask before you apply

Check income and purchase-price limits, credit rules, required education, which lenders participate, and whether the program can be combined with your loan. “First-time buyer” often includes someone who has not owned a principal residence in the past three years, but each program sets its own definition.

Find your state’s starting point

These official agency links cover all 50 states and Washington, DC. They are a starting point, not a list of every local program or a promise that assistance is available. Your city, county, and a HUD-approved housing counselor may know of other options.

51 agencies

No states match. Try the state’s full name, or clear your search.