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🏠 Down Payment Assistance
Programs by State & Region

​New York

Statewide Programs:

  1. SONYMA Down Payment Assistance Loan (DPAL): Offers up to $15,000 or 3% of the purchase price (whichever is higher) with 0% interest and no monthly payments.

  2. SONYMA Achieving the Dream Program: Provides low-interest mortgages and optional down payment assistance for first-time homebuyers.

  3. HomeFirst Down Payment Assistance Program (NYC): Offers up to $100,000 for first-time homebuyers in NYC.

  4. Homebuyer Dream Program® (HDP®): Provides grants up to $30,000 for down payment and closing costs for first-time homebuyers earning at or below 80% of the Area Median Income.

County/Local Programs:

Profession-Specific Programs:

  • SONYMA Homes for Veterans Program: Offers up to $15,000 in down payment assistance for active service members, veterans, and their spouses or co-borrowers.

Connecticut

Statewide Programs:

  1. CHFA Down Payment Assistance Program (DAP): Offers low-interest second mortgages up to $15,000 to cover down payment or closing costs.

  2. Time To Own - Forgivable Down Payment Assistance Loan: Provides up to $50,000 in forgivable loans for eligible homebuyers.

County/Local Programs:

Massachusetts

Statewide Programs:

  1. MassHousing Down Payment Assistance: Provides up to $30,000 for first-time homebuyers.

  2. ONE Mortgage Program: Offers a 30-year fixed-rate loan with a 3% down payment and no PMI.

  3. Workforce Advantage Program: Provides $30,000 in down payment assistance for eligible first-time homebuyers.

County/Local Programs:

Georgia

Statewide Programs:

  1. Georgia Dream Homeownership Program: Provides affordable financing options, down payment and closing cost assistance, and homebuyer education.

County/Local Programs:

  • DeKalb County First-Time Homebuyer Program: Offers down payment assistance to help first-time homebuyers cover the costs of down payments and closing expenses.

Profession-Specific Programs:

  • Atlanta Housing Down Payment Assistance Program: Provides up to $25,000 for eligible first-time homebuyers, including public safety, healthcare, education, current military or veteran, and Voucher Participants.

Michigan

Statewide Programs:

  1. MSHDA First-Generation Down Payment Assistance: Provides up to $25,000 to first-generation homebuyers.

  2. MI Home Loan: Offers a 30-year fixed-rate mortgage available through participating lenders, with down payment assistance options.

County/Local Programs:

  • City of Lansing Down Payment Assistance: Provides up to $14,999 in assistance for first-time homebuyers who have not owned a home in the previous three years.

Profession-Specific Programs:

  • Teacher Next Door Program: Offers grants and down payment assistance for teachers, nurses, police, firefighters, EMTs, government employees, and military families.

Illinois

Statewide Programs:

  1. IHDA Mortgage: Provides up to $10,000 in down payment assistance for eligible Illinois homebuyers.

  2. Downpayment Plus Program: Offers down payment and closing cost assistance for income-eligible homebuyers through participating FHLBank Chicago member financial institutions.

County/Local Programs:

  • Cook County Down Payment Assistance Pilot Program: Provides subsidies of up to $25,000 or 5% of the home purchase price, whichever is less.

  • Neighborhood Lending Services (NLS): Provides up to $30,000 in down payment and closing cost grants to eligible borrowers in Chicago.

Washington

Statewide Programs:

  1. WSHFC Downpayment Assistance Loan Programs: Offers various programs including up to $10,000 for veterans and up to $15,000 for buyers with disabilities.

  2. Home Advantage Downpayment Assistance Program: Provides up to 5% of the loan amount for eligible households.

County/Local Programs:

  • HomeSight Purchase Assistance: Provides down payment assistance of $15,000 for eligible borrowers in Washington.

Ohio

Statewide Programs:

  1. YourChoice! Down Payment Assistance: Allows homebuyers to choose either 2.5% or 5% of the home's purchase price towards a down payment or closing costs.

  2. Ohio Heroes Program: Rewards Ohio residents who serve the public with a discounted mortgage interest rate.

County/Local Programs:

  • Columbus and Franklin County Guaranteed Income Initiatives: Provide financial support to select residents, including single mothers and participants in job training programs.

South Carolina

Statewide Programs:

  1. SC Housing Homebuyer Program: Provides multiple financing options with or without down payment assistance.

  2. Palmetto Heroes Program: Offers $10,000 in forgivable down payment assistance for qualified homebuyers who meet SC Housing's First Time Homebuyer requirements.

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