First-Time Home Buyer Programs by State

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.

• Alabama
• Alaska
• Arizona
• Arkansas
• California
• Colorado
• Connecticut
• Delaware
• District of Columbia
• Florida
• Georgia
• Hawaii
• Idaho
• Illinois
• Indiana
• Iowa
• Kansas
• Kentucky
• Louisiana
• Maine
• Maryland
• Massachusetts
• Michigan
• Minnesota
• Mississippi
• Missouri
• Montana
• Nebraska
• Nevada
• New Hampshire
• New Jersey
• New Mexico
• New York
• North Carolina
• North Dakota
• Ohio
• Oklahoma
• Oregon
• Pennsylvania
• Rhode Island
• South Carolina
• South Dakota
• Tennessee
• Texas
• Utah
• Vermont
• Virginia
• Washington
• West Virginia
• Wisconsin
• Wyoming

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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