First-Time Home Buyer Programs by State

Published on 2/11/2025
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What Are First-Time Home Buyer Programs?

First-time home buyer programs are designed to make homeownership more accessible. These programs can include:

  • Down Payment Assistance (DPA): Grants or low-interest loans to help cover the cost of a down payment.
  • Low-Interest Mortgages: Special loan programs with reduced interest rates for first-time buyers.
  • Tax Credits: Savings on property taxes or federal tax breaks to lower overall costs.
  • Closing Cost Assistance: Financial aid to help cover the expenses of finalizing a home purchase.

State-by-State First-Time Home Buyer Programs

Click on your state to learn more about available programs and eligibility requirements.

How to Apply for First-Time Home Buyer Assistance

Each state program has its own eligibility requirements. Here are some general steps to get started:

  1. Check your state’s program details and requirements using the links above.
  2. Determine your eligibility based on income, credit score, and other criteria.
  3. Contact a participating lender or housing agency for guidance.
  4. Gather required documents, such as income verification and credit reports.
  5. Submit your application and follow through with the home buying process.

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First-time home buyer programs can make your dream of homeownership a reality. Explore your state’s options and take advantage of these opportunities today!