Down payment assistance by state

Every state's primary down payment assistance program, run by the state housing finance agency. Numbers reflect the program's published 2025 guidelines.

Up to 4% of sale price as a 10-year second mortgage

Closing Cost Assistance Program

Up to 4% of loan amount as a non-repayable closing-cost grant

Up to 5% of loan amount, forgiven over 3 years

ADFA Move-Up Choice

Up to $15,000 as a 10-year second lien

MyHome Assistance Program

Up to 3.5% (FHA) or 3% (Conventional) of sale price as a deferred junior loan

Up to 3% of first mortgage as a non-repayable grant

Down Payment Assistance Program (DAP)

Up to $25,000 as a low-rate second mortgage

Up to 5% of loan amount as a 0% interest second lien

District of Columbia

Home Purchase Assistance Program (HPAP)

Up to $202,000 in DPA + $4,000 in closing-cost assistance

Florida Assist (FL Assist)

Up to $10,000 as a 0% second mortgage

Georgia Dream Standard

$10,000 standard, up to $12,500 for PEN (protectors, educators, nurses) buyers

Mortgage Credit Certificate (MCC)

20% federal tax credit on annual mortgage interest (effectively reduces tax bill)

First Loan + Forgivable Second

Up to 7% of loan amount as a forgivable second (forgiven over 7 years)

IHDAccess Forgivable

$6,000 forgivable over 10 years (or $7,500/$10,000 deferred options)

First Place (Next Home + DPA)

Up to 6% of loan amount as a second mortgage

$2,500 grant or $5,000 second-lien option

First Time Homebuyer Program

15-20% of purchase price as a 0% deferred second

Up to $10,000 as a 10-year amortizing second lien

Mortgage Revenue Bond Assisted

Up to 4% of mortgage amount as a deferred soft second

Advantage Down Payment + Closing Cost

$5,000 grant toward down payment and closing costs

Maryland Mortgage Program (MMP) DPA

$6,000 zero-percent deferred loan, plus partner-match grants

MassHousing Down Payment Assistance

Up to $30,000 (Boston, Chelsea, etc.) or up to 10% statewide

MI Home Loan + DPA

Up to $10,000 as a 0% deferred second

Start Up + Monthly Payment Loan

Up to $18,000 as a 0% deferred second (Deferred Payment Loan)

Smart6 (Smart Solution)

Up to $6,000 as a 10-year second lien

First Place Cash Assistance Loan

Up to 4% of loan amount as a forgivable second

Bond Advantage DPA

Up to 5% of sale price (cap $15,000) as a 15-year second

Homebuyer Assistance Program

Up to 5% of loan amount (cap $10,000)

Home Is Possible (HIP) Plus

Up to 5% of loan amount as a grant

Cash Assistance Mortgage Program

$10,000 cash assistance grant

Down Payment Assistance Program

$15,000 forgivable second mortgage

Up to $8,000 as a 30-year second lien

Down Payment Assistance Loan (DPAL)

Higher of $3,000 or 3% of loan amount (cap $15,000)

NC 1st Home Advantage Down Payment

$15,000 forgivable down payment for first-time buyers

Down Payment & Closing Cost Assistance (DCA)

Up to 5% of loan amount or $7,500 as a second mortgage

Your Choice! Down Payment Assistance

2.5% or 5% of purchase price as a forgivable second

OHFA Homebuyer Down Payment Assistance

3.5% grant toward down payment and closing costs

Oregon Bond Residential Loan with DPA

Up to 5% of loan amount as a 0% deferred second

Keystone Advantage Assistance

Up to 4% of purchase price (cap $6,000) as a 10-year second

Extra Assistance Loan

Up to $25,000 as a 15-year deferred second

SC Housing Forgivable DPA

$10,000 forgivable second mortgage

Fixed Rate Plus DPA

Up to 5% of loan amount as a second mortgage

Great Choice Plus

Up to 6% of sale price as a 0% deferred second

Home Sweet Texas Home Loan

Up to 5% of loan amount as a grant

First Home Loan + Second Mortgage DPA

Up to 6% of first mortgage as a 30-year second

ASSIST Second Mortgage

Up to $15,000 as a 0% deferred second

Down Payment Assistance Grant

2-2.5% of purchase price as a grant

Home Advantage DPA

Up to 5% of loan amount as a 0% deferred second

Movin' Up + Low Down Home Loan

Up to $10,000 as a 15-year second mortgage

Capital Access Advantage DPA

$3,000 or $7,000 (Easy Close Advantage) as 0% deferred second

HFA Preferred + DPA

Up to $15,000 as a second lien at 0% interest