First-time home buyer programs are mostly run at the state level through Housing Finance Agencies (HFAs), so the down payment assistance, grants, and special loans available to you depend heavily on where you’re buying. Pick your state below for a plain-English guide to the programs, income limits, loan options, and buying process where you live.
Choose your state
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- 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
Not sure where to start once you know your state’s programs? Read the complete first-time buyer guide, compare loan programs, or learn how down payment assistance works.