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Find similar grantsDown Payment Assistance Programs & Grants by State is sponsored by Various State, County, and City Governments. These programs offer financial help to cover part or all of a home buyer's down payment and often closing costs.
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About FHA Loan LimitsFHA Loan Limits for 2026Search by State and CountyFHA vs. Conventional Loans FHA Loan RequirementsFHA Credit RequirementsFHA Closing CostsFHA Mortgage InsuranceDebt-to-Income RatioFirst-Time Homebuyers FHA Down Payment RequirementsDown Payment AssistanceFirst-Time Homebuyer GrantsDown Payment Sources$25,000 Down Payment Program Credit Score FactsFHA Credit IssuesBenefits of Good CreditTips for Improving CreditFixing Credit Report ErrorsIdentity Theft and Fraud FHA Loan ProgramsFixed Rate LoansAdjustable Rate Mortgages (ARM)One-Time Close LoansFHA Rehab MortgagesFHA Reverse Mortgages FHA Refinance OptionsFHA Cash-Out RefinanceFHA Streamline RefinanceFHA Simple Refinance Home Loan Questions and AnswersMortgage TerminologyMortgage Video LibraryArticles About FHA LoansMortgage CalculatorsFHA 101 - Reference Guide ### More Links of Interest The following down payment assistance programs may involve a second mortgage with payments that are forgiven, deferred, or subsidized in some manner until resale of the mortgaged property.
Mortgage Video LibraryFHA Articles and UpdatesMortgage Calculators GET STARTED! You may qualify for a ###### Loan Limits Are Updated Annually The FHA has a maximum loan amount that it will insure, which is known as the FHA lending limit. * About FHA Loan Limits* FHA Loan Limits for 2026* Search by State and County* FHA vs. Conventional Loans Read about FHA rules and updates to maximize your borrowing power.
Mortgage limits are calculated based on the median house prices in each county. These limits increase annually for many counties in the United States. This gives potential borrowers more options with FHA home loans.
Do you know what's on your credit report? Learn what your credit score means. It's never too early to get your credit in order.
###### FHA Guidelines for Borrowers FHA loans are a good option for homebuyers who have not saved much for their down payments. * FHA Loan Requirements* FHA Credit Requirements* FHA Closing Costs* FHA Mortgage Insurance* Debt-to-Income Ratio* First-Time Homebuyers Learn what's required to qualify for a low 3. 5% down payment FHA loan.
Examine your finances and credit before applying. The time you spend preparing today is time saved later on when filling out the actual forms. Know in advance what will show up when your credit report is pulled.
Do you know what's on your credit report? Learn what your credit score means. It's never too early to get your credit in order.
###### Why Rent When You Can Own? Down payments are calculated as a percentage of the purchase price, determined by the loan requirements. * FHA Down Payment Requirements* Down Payment Assistance* First-Time Homebuyer Grants* Down Payment Sources* $25,000 Down Payment Program Read about FHA rules and updates to your maximum borrowing power.
Your FHA lender is required to verify the source of all down payment funds, whether they are provided in cash by the borrower and are the result of cashed-in investments, gift funds, or other approved means. Do you know what's on your credit report? Learn what your credit score means.
It's never too early to get your credit in order. ###### Good Credit Goes a Long Way FHA loan rules apply for all borrowers when it comes to basic minimum credit standards. * Credit Score Facts* FHA Credit Issues* Benefits of Good Credit* Tips for Improving Credit* Fixing Credit Report Errors* Identity Theft and Fraud FHA rules and updates to your maximum mortgage borrowing power.
FICO score issues are a common source of stress to potential FHA borrowers. Is it possible to qualify for an FHA loan or refinance loan with credit scores from 500 to 579? Or are higher scores required?
Do you know what's on your credit report? Learn what your credit score means. It's never too early to get your credit in order.
###### Choose an FHA Mortgage Option FHA-insured loans have always been a great option for first-time homebuyers. * FHA Loan Programs* Fixed Rate Loans* Adjustable Rate Mortgages (ARM)* One-Time Close Loans* FHA Rehab Mortgages* FHA Reverse Mortgages Read about FHA rules and updates to your maximum borrowing power.
Potential homebuyers should explore their FHA home loan options, but that advice isn't limited just to the type of mortgage available to you. There are options available that may change your approach to homeownership. Do you know what's on your credit report?
Learn what your credit score means. It's never too early to get your credit in order. ###### Refinance and Rehab Loans Refinancing your home may eliminate existing monthly mortgage insurance premiums.
* FHA Refinance Options* FHA Cash-Out Refinance* FHA Streamline Refinance* FHA Simple Refinance With home values continuing to rise, refinancing makes sense. Some refinance loans are specifically to get existing borrowers a better deal. But others need to refinance to help avoid further hurting their credit scores or going into loan default because of missed payments.
Do you know what's on your credit report? Learn what your credit score means. It's never too early to get your credit in order.
###### Prepare for Your FHA Loan Our library includes mortgage videos, loan calculators, dictionary of loan terms, and homeowner articles. * Home Loan Questions and Answers* Mortgage Terminology* Mortgage Video Library* Articles About FHA Loans* Mortgage Calculators* FHA 101 - Reference Guide Get an idea of how the affordability of your new mortgage might really work.
Lenders encourage borrowers to use one these calculators to estimate their monthly payments, but you should be running some calculations long before you discuss your mortgage payments with a loan officer. Do you know what's on your credit report? Learn what your credit score means.
It's never too early to get your credit in order. FHA. com is a privately owned website, is not a government agency, and does not make loans.
# FHA Down Payment Grants for 2026 ## Down Payment Assistance Programs for Homebuyers The following down payment assistance programs and/or grants were researched by the team at FHA. com. Please note that all programs listed on this page may involve a second mortgage with payments that are forgiven, deferred, or subsidized in some manner until resale of the mortgaged property.
This is not a complete list, but it can serve as a starting point in your search for the down payment assistance program or grant for your situation. It is up to the consumer to contact these entities and find out the specifics of each program. Funded by the CBC Mortgage Agency, this program offers the ability to utilize an FHA-insured home loan by offering eligible applicants 3.
5% of the purchase price to cover the down-payment. The assistance funds come in the form of a zero-interest second mortgage with a 30-year term. This second mortgage will be forgiven if the borrower makes 36 consecutive, on-time payments on the first mortgage.
* For First-Time Homebuyers ### Down Payment Assistance Programs * Affordable Income Subsidy Grant * Alabama Housing Finance Authority (AHFA) Step Up Program * Mobile County Down Payment Assistance Program * Affordable Housing Enhanced Loan Program * Cook Inlet Down Payment Assistance Program * Home Opportunity Program * THRHA Down Payment Assistance Program * Arizona Homebuyer Down Payment Assistance: HOME+PLUS * Family Housing Resources Down Payment Assistance * Maricopa County Home in Five Advantage Program * Pathway to Purchase Down Payment Assistance * Pima Tucson Homebuyer’s Solution Program * ADFA Down Payment Assistance * Arkansas Dream Down Payment Initiative * City of Fort Smith Homebuyers Assistance Program - Crawford-Sebastian Homeownership Center * City of Jonesboro Homeownership Assistance Program * City of Pine Bluff Down Payment Grants * Brentwood Down Payment Assistance Program * CalHFA My Home Assistance Program * Emeryville First Time Homebuyer Loan Program * Los Angeles County Affordable Homeownership Program * Monterey County Down Payment Assistance Program * Orange County Housing and Development Mortgage Assistance Program * San Diego County Down Payment / CalHome Program * Santa Ana Downpayment Assistance Program * CHAC Down-Payment Assistance Program * Metro Mortgage Assistance Plus Program * MetroDPA Down Payment Assistance * Turnkey Plus Mortgage Program * CHFA Downpayment Assistance Program * Fairfield Homeownership Assistance Program * Hamden First-Time Homebuyer Down Payment Assistance Grant * HouseHartford Homebuyer Assistance Program * Delaware State Housing Authority (DSHA) Preferred Plus Program * New Castle County Down Payment Settlement Program * New Castle County ReVaMP Program * DC Open Doors Down Payment Assistance * Broward County Homebuyer Purchase Assistance Program * Escambia County Down Payment and Closing Cost Assistance * Hardest Hit Fund Down Payment Assistance * Head Start To HOME Ownership Program * HFA Miami-Dade Mortgage Program * Home Key Plus 2nd Mortgage * Home Sweet Home Hillsborough Program * Lee County FirstPlus Program * Orange County Down Payment Assistance Program * Palm Bay HOME Down Payment Assistance Program * State Housing Initiatives Partnership Program * Augusta Homeownership Assistance Program * Georgia Dream Homeownership Program * Homestretch Down Payment Assistance Program * Neighborhood Works Columbus * Savannah Dream Maker Home Buyer Assistance Program * HHOC Down Payment Assistance Loan * Honolulu Down Payment Loan Program * Hula Mae Mortgage Loan Program * Good Credit Rewards Program * 1st-home-illinois-down-payment-grant * City of Alton's Homeownership Program * Community Connections Home Buyer Assistance Program * Down Payment Plus Programs * Joliet Down Payment Assistance Program * Kane County First-Time Homebuyer Program * Normal Homebuyer’s Down Payment Assistance Program * Romeoville Assist Program * City of Gary Indiana First Time Home Buyer Down Payment Assistance * Indiana Home Solution Program * Lake County Homebuyers Assistance Program * Cedar Rapids First Time Home Buyer Program * Dubuque First-Time Homebuyer Loan Program * Home$tart and Home$tart Plus Programs * Waterloo Down Payment Assistance Program * Kansas Housing Assistance Program * KHRC First Time Homebuyer Program * Hardest Hit Fund Down Payment Assistance * Louisville Down Payment Assistance Program * Expand to Homeownership * LHC Preferred Conventional Program * Market Rate GNMA Program * Shreveport Home Buyers Assistance Program * Southern Mortgage Assistance Program * ACDS Mortgage Assistance * City of Gaithersburg Down Payment Assistance Program * Home Stretch Down Payment Assistance Program * Maryland Mortgage Program * City of Cambridge Down Payment Assistance * City of Springfield Down Payment Assistance * City of Worcester Down Payment Program * Michigan First Home Down Payment Assistance * Michigan Next Home Down Payment Assistance * Down Payment and Closing Cost Loans * City of Columbia Homeownership Assistance Program * First Place Loan Program * First Time Homebuyer Program * Missouri Housing Development Commission DPA Program * Bond Advantage Down Payment Assistance Program * Home at Last Access Down Payment Assistance Grant * Home Is Possible Down Payment Assistance Grant * NJHMFA Down Payment Assistance Program * New Mexico Mortgage Finance Authority - FirstHome and FirstDown Programs * New Mexico Mortgage Finance Authority - HomeNow Program * New Mexico Mortgage Finance Authority - NextHome Program * Albany County Rural Housing Alliance Acquisition Grant * City of Albany Home Acquisition Program (HAP) * City of Schenectady First Time Home Buyer’s Program * Homebuyer Down Payment Assistance * Homebuyer Dream Program * NY State Association of Realtors Housing Opportunities Foundation * Rensselaer County Homebuyer Program * State of New York Mortgage Agency Down Payment Assistance Loan * Greensboro Homebuyer Down Payment Assistance * NC Home Advantage Mortgage Program * Raleigh Homebuyer Program * Winston-Salem Home Ownership AssistanceProgram * NDHFA Downpayment and Closing Cost Assistance Program * Bowling Green Housing Programs * Communities First Down Payment Assistance Program * Cuyahoga County Down Payment Assistance Program * Dayton Down Payment Assistance Program * Toledo Down Payment Assistance * Your Choice!
Down Payment Assistance Program * City Down Payment Assistance Program * Oklahoma City Homebuyer Assistance Program * Oklahoma Housing Finance Agency Down Payment Assistance * REI Down Payment Assistance Program * City of Portland Down Payment Assistance Loan (DPAL) * City of Salem First-Time Homebuyer Downpayment Assistance Loan Program (FTHB) * Extra Step and Project Reinvest Loans * First Time Home Buyer Loan Program * HOME Foundation Buyers Assistance Grant * Beaver County First Time Buyer Program * Chester County First Time Home Buyer Program * Cumberland County Affordable Housing Trust Fund First-Time Homebuyer’s Program * Delaware County Homeownership First Program * HOMEstead Downpayment and Closing Cost Assistance Loan * Keystone Advantage Assistance Loan Program * Housing Works Rhode Island Spring7500 Program * Rhode Island Housing's Extra Assistance Program * Richland County Home Ownership Assistance * HAPI Down Payment Closing Cost Assistance * City of Clarksville First Time Home-Buyers Program * City of Memphis Down Payment Assistance Programs * 5 Star Texas Advantage Program * Austin Down Payment Assistance Program * Dallas Homebuyer Assistance Program * Harris County Community Services Department DPA Program * Homeownership Across Texas * Homes for Texas Heroes Program * Travis County - Hill Country Home Down Payment Assistance * CDCU Down Payment Assistance * UHC Down Payment Assistance * West Valley City Down Payment Assistance Grant * Manufactured Housing Down Payment Loan Program * Vermont Housing Finance Agency ASSIST Loan * HOMEownership Down Payment and Closing Cost Assistance Program * VHDA Down Payment Assistance Grant * ARCH East King County Downpayment Assistance Loan * Bellingham Downpayment Assistance * Home Advantage Down Payment Assistance Loan Program * HomeChoice Down Payment Assistance Program * Opportunity Downpayment Assistance Loan Program * Pierce County Downpayment Assistance Program * Seattle Downpayment Assistance Program * Tacoma Down Payment Assistance Program * Veterans Downpayment Assistance Loan Program * Easy Close Advantage Program * Home$tretch Loan Program * Welcome Home Wyoming Program Explore your options for an FHA Purchase, Streamline Refinance, or Cash-Out Refinance Loan.
These figures are for information purposes only. Average rates are subject to change without notice. This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St.
Louis. ### 2025 Government Shutdown The federal government shutdown that began on October 1,2025 ended on November 12, 2025. The 43-day federal shutdown was the longest in history.
Borrower Update: What does the end of the government shutdown mean for your home loan? ### Top Mortgage Questions Our mortgage team has answers for these and other frequent homebuyer questions. * Are There Programs to Help Buyers With the Down Payment?
* What are the FHA Requirements for Rental History? * How Do I Dispute Something on My Credit Report? Frequently Asked Questions It's important to monitor your credit well in advance of any major credit application, especially before applying for an FHA home loan.
Good credit = a low down payment An FHA One-Time Close loan can finance the construction, lot purchase, and permanent loan, all wrapped up in a single mortgage and closing. Are you over the age of 62? See how you can get tax-free income with no monthly payments.
### More Links of Interest * 2026 FHA Limits for Your Site FHA. com is a privately owned website, is not a government agency, and does not make loans. Neither FHA.
com nor its advertisers charge a fee or require anything other than a submission of qualifying information for comparison shopping ads. ###### Ideal for First-Time Homebuyers ###### Low 3. 5% Down Payment Requirements ###### Credit Score Requirements as Low as 580 FHA loans are one of the top loan types in America for first-time homebuyers.
Many people who can afford the monthly mortgage payments and have reasonable credit will qualify. _Down payment assistance may be available in your area. _
According to the current listing, eligibility includes: Typically designed for first-time home buyers (or those who haven't owned a home in the past three years), with low- to moderate-income, decent credit score, and an approved lender/loan type. Confirm the full requirements in the official notice before applying.
Down Payment Assistance Programs & Grants by State is funded by Various State, County, and City Governments. Verify program details on the funder's official page before applying.
Start from the official opportunity page linked in this listing — it carries the sponsor's submission instructions.
Arkansas's FY2027 Community Assistance Grant Program opened July 1 with $10 million total, awards up to $1.5 million, and an August 15 deadline. It funds food insecurity, housing, education, crime-victim, and emergency-services work — but the 20% match and the state-priority framing decide who wins. Here is how to compete.
Read articleThe Bureau of Justice Assistance's FY2026 Bridging Immigration-Related Deficits Experienced Nationwide (BIDEN) Program puts $3 billion on the table for states, state agencies, and units of local government under Assistance Listing 16.076. No match is required, awards run 36 to 60 months, and three funding categories — hiring, technology, and temporary detention construction — are in play. Here is how the reimbursement fund is structured, who is eligible, what the money can and cannot buy, and the strategic realities behind the July 15 Grants.gov deadline.
Read articleOn June 24, 2026, FEMA released more than $1.5 billion across the Homeland Security Grant Program, a $300 million Nonprofit Security Grant Program, and six infrastructure-protection programs — all with an application window closing around July 24. This is the definitive breakdown: how SHSP, UASI, Operation Stonegarden, and the transit, port, Amtrak, and intercity-bus grants differ, what the new FY2026 priorities signal, why almost none of the money comes to you directly from FEMA, and the strategy for competing through your State Administrative Agency.
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