National Homebuyer Program Statistics

1302
Total Programs Nationwide
46
States with Programs
348
Federal Programs
244
Featured Programs
Texas
$25,000

Down Payment Assistance Programs

Down payment assistance (DPA) programs help homebuyers overcome one of the biggest barriers to purchasing a home — the upfront cash needed for a down payment.

Alabama
3.5% of loan amount

FHA Loans in Alabama – First-Time Homebuyer Friendly, Low Down Payment Program

FHA loans are among the most popular mortgage options for first-time homebuyers in Alabama. Backed by the federal government, they provide low down payments, flexible credit requirements, and accessibility across urban and rural areas of the state. Whether you're buying a home in Birmingham, Montgomery, Huntsville, or beyond — FHA loans make the dream of homeownership within reach.

National
$15,000

Federal First-Time Homebuyer Programs

Unlock your path to homeownership with federal first-time homebuyer programs. From FHA loans to VA benefits, explore nationwide options designed to help you purchase your first home with lower costs and flexible requirements.

Texas
$25,000

Texas First-Time Homebuyer Programs

Texas offers several state-backed programs to support first-time homebuyers. From down payment assistance to affordable mortgage options, these programs are designed to make homeownership more attainable across the Lone Star State.

Federal & National Programs

348 programs available

National
3.5% of loan amount

FHA 203(k) Limited (Streamlined) Rehabilitation Loan

The FHA 203(k) Limited (Streamlined) Rehabilitation Loan is a government-backed mortgage product offered through the Federal Housing Administration (FHA). It is designed to support homeownership and community revitalization.

National
3.5% of loan amount

FHA 203(k) Standard Rehabilitation Loan

The FHA 203(k) Standard Rehabilitation Loan is a government-backed mortgage product offered through the Federal Housing Administration (FHA). It is designed to support homeownership and community revitalization.

National
3.5% of loan amount

FHA Energy Efficient Mortgage (EEM)

The FHA Energy Efficient Mortgage (EEM) is a government-backed mortgage product offered through the Federal Housing Administration (FHA). It is designed to support homeownership and community revitalization.

National
$15,000

Federal First-Time Homebuyer Programs

Unlock your path to homeownership with federal first-time homebuyer programs. From FHA loans to VA benefits, explore nationwide options designed to help you purchase your first home with lower costs and flexible requirements.

National
3.5% of loan amount

Standard FHA Loan

The Standard FHA Loan is a government-backed mortgage product offered through the Federal Housing Administration (FHA). It is designed to support homeownership and community revitalization.

National

VA Loan Programs

VA loans help eligible veterans, active-duty service members, and surviving spouses purchase a home with no down payment, no mortgage insurance, and flexible credit terms.

Alabama Programs

9 programs available

Alabama
3.5% of loan amount

FHA Loan Programs

FHA loans are government-backed mortgages designed to make homeownership more accessible, especially for first-time buyers with lower credit scores or limited savings.

Alabama
3.5% of loan amount

FHA Loans in Alabama – First-Time Homebuyer Friendly, Low Down Payment Program

FHA loans are among the most popular mortgage options for first-time homebuyers in Alabama. Backed by the federal government, they provide low down payments, flexible credit requirements, and accessibility across urban and rural areas of the state. Whether you're buying a home in Birmingham, Montgomery, Huntsville, or beyond — FHA loans make the dream of homeownership within reach.

Alabama
$250,000

USDA Rural Development Loans (Section 502 Direct Loan Program) Alabama

The USDA Section 502 Direct Loan Program assists low- and very-low-income individuals in Alabama to purchase, build, or renovate homes in eligible rural areas. Offering 100% financing with no down payment, this program makes homeownership more accessible for those who meet specific income and location criteria.

Alaska Programs

11 programs available

Arizona Programs

12 programs available

Arkansas Programs

11 programs available

California Programs

33 programs available

Colorado Programs

21 programs available

Connecticut Programs

23 programs available

Delaware Programs

20 programs available

Florida Programs

23 programs available

Georgia Programs

21 programs available

Hawaii Programs

21 programs available

Idaho Programs

18 programs available

Illinois Programs

24 programs available

Indiana Programs

20 programs available

Indiana

IHCDA Next Home Program

A flexible mortgage solution for first-time and repeat buyers, offering down payment assistance and competitive rates across Indiana.

Indiana

IHCDA First Place Program

Aimed at first-time buyers, this program enhances the First Home benefits with additional down payment support and reduced rates.

Indiana

IHCDA My Home Program

A flexible mortgage option that doesn’t require first-time buyer status and can be paired with MCC and other forms of assistance.

Iowa Programs

20 programs available

Kansas Programs

18 programs available

Kentucky Programs

21 programs available

Maine Programs

20 programs available

Maryland Programs

21 programs available

Massachusetts Programs

23 programs available

Michigan Programs

24 programs available

Minnesota Programs

21 programs available

Mississippi Programs

19 programs available

Missouri Programs

20 programs available

Montana Programs

20 programs available

Nebraska Programs

20 programs available

Nevada Programs

20 programs available

New Hampshire Programs

20 programs available

New Jersey Programs

25 programs available

New Mexico Programs

24 programs available

New York Programs

25 programs available

North Carolina Programs

24 programs available

North Dakota Programs

23 programs available

Ohio Programs

24 programs available

Oklahoma Programs

23 programs available

Oregon Programs

21 programs available

Pennsylvania Programs

23 programs available

Rhode Island Programs

23 programs available

South Carolina Programs

22 programs available

South Dakota Programs

21 programs available

Tennessee Programs

22 programs available

Texas Programs

28 programs available

Texas
$25,000

Down Payment Assistance Programs

Down payment assistance (DPA) programs help homebuyers overcome one of the biggest barriers to purchasing a home — the upfront cash needed for a down payment.

Texas
$25,000

Texas First-Time Homebuyer Programs

Texas offers several state-backed programs to support first-time homebuyers. From down payment assistance to affordable mortgage options, these programs are designed to make homeownership more attainable across the Lone Star State.

Texas Programs

1 program available

Utah Programs

22 programs available

Vermont Programs

23 programs available

Virginia Programs

26 programs available