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These programs provide down payment and/or closing cost assistance in a variety of forms, including grants, zero-interest loans, and deferred payment loans.

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FHA.com is a privately owned website, is not a government agency, and does not make loans.

First-Time Home Buyer Grants and Loan Programs

Available in Cities and Counties Throughout the United States

Grants and specialized loan programs for first-time home buyers are available in cities and counties throughout the United States. These programs provide down payment and/or closing cost assistance in a variety of forms, including grants, zero-interest loans, and deferred payment loans.

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.


First-Time Home Buyer Assistance Programs