Homeowner Grant Programs

Browse all 505+ federal, state, and local assistance programs for homeowners.

Feeling overwhelmed? 😊

Let us do the work — take our quick survey and we'll match you with the best grants based on your needs.

Find My Grants →

Showing 200 programs

loanFeatured

Iowa FirstHome Program

Iowa Finance Authority (Opportunity Iowa)

Affordable mortgage program with below-market interest rates and low down payment requirements for first-time homebuyers in Iowa.

Up to $544,000IA
loanFeatured

Kentucky Housing Corporation Mortgage Loans

Kentucky Housing Corporation (KHC)

Affordable mortgage loans with below-market interest rates and flexible terms for Kentucky homebuyers.

Up to $544,000KY
loanFeatured

Louisiana Housing Corporation Mortgage Loans

Louisiana Housing Corporation (LHC)

Affordable mortgage financing with below-market rates and flexible terms for qualified Louisiana homebuyers.

Up to $500,000LA
grantFeatured

VA Specially Adapted Housing (SAH) Grant

U.S. Department of Veterans Affairs

Grant up to $130,780 (FY 2026) for severely disabled veterans to build, buy, or modify a home to accommodate their disabilities.

Up to $130,780
grantFeatured

USDA Section 504 Home Repair Loans & Grants

USDA Rural Development

Federal program providing loans up to $40,000 and grants up to $10,000 for very low-income homeowners to repair homes in rural areas.

Up to $50,000
grantFeatured

Maine First Generation Homebuyer Program

MaineHousing

$10,000 down payment assistance for those who never lived in a home owned by their parents or were in foster care.

Up to $10,000ME
grantFeatured

Weatherization Assistance Program (WAP)

U.S. Department of Energy

Federal and state-funded program providing free energy efficiency improvements to low-income homeowners, reducing utility bills and improving home comfort and safety.

Up to $7,500
grantFeatured

Kansas First Time Homebuyer Program

Kansas Housing Resources Corporation (KHRC)

Down payment and closing cost assistance for first-time homebuyers in Kansas through Kansas Housing Resources Corporation.

Amount variesKS
loanFeatured

Maine First Home Loan Program

MaineHousing

Low fixed interest rate mortgages with little or no down payment for Maine homebuyers.

Amount variesME
loanFeatured

USDA Section 502 Direct Home Loans

USDA Rural Development

Zero down payment, subsidized interest rate mortgages for low and very low-income rural homebuyers unable to obtain conventional financing.

Amount varies
grant

Hula Mae Single Family Program

HI Housing Authority

Hawaii's flagship homebuyer program offering below-market interest rates and down payment assistance.

Up to $1,089,300HI
loan

HUD Section 184 Indian Home Loan Guarantee

U.S. Department of Housing and Urban Development

Mortgage guarantee for Native American homebuyers on trust land

Up to $1,000,000
loan

FHA 203(b) Mortgage Insurance

Federal Housing Administration

Mortgage insurance for home purchase with low down payment

Up to $1,000,000
loan

VA Loan Assumption

U.S. Department of Veterans Affairs

Allows qualified buyers to assume existing VA loan

Up to $1,000,000
loan

VA Cash-Out Refinance

U.S. Department of Veterans Affairs

Refinance to access home equity for improvements

Up to $1,000,000
loan

FHA Title II Home Equity Conversion Mortgage for Purchase

Federal Housing Administration

Reverse mortgage for seniors purchasing a new primary residence

Up to $1,000,000
loan

HUD Section 251 Adjustable Rate Mortgages

Federal Housing Administration

Insured adjustable rate mortgages with caps

Up to $800,000
loan

FHA Condominium Loan Program

Federal Housing Administration

Mortgage insurance for purchasing condominiums

Up to $800,000
loan

FHA Growing Equity Mortgage (GEM)

Federal Housing Administration

Mortgage with increasing payments to build equity faster

Up to $750,000
loan

VA Vendee Loan Program

U.S. Department of Veterans Affairs

VA financing for purchasing VA foreclosed properties

Up to $750,000
loan

Fannie Mae HomeReady Mortgage

Fannie Mae

Low down payment mortgage for low to moderate-income borrowers

Up to $750,000
loan

Freddie Mac Home Possible Mortgage

Freddie Mac

Low down payment options for low to moderate-income families

Up to $750,000
grant

FirstHome Down Payment Assistance

UT Housing Authority

Utah Housing's flagship program providing down payment and closing cost assistance for first-time homebuyers.

Up to $700,000UT
loan

FHA Graduated Payment Mortgage

Federal Housing Administration

Lower initial payments that increase over time

Up to $700,000
loan

Massachusetts ONE Mortgage Program

Massachusetts Housing Partnership

Low-interest mortgages for first-time homebuyers

Up to $650,000MA
grant

Property Tax Relief Programs

IN Housing Authority

Automatic property tax reduction for all owner-occupants.

Up to $600,000IN
loan

Georgia Veterans Home Loan Program

Georgia Department of Veterans Service

Low-interest home loans for Georgia veterans

Up to $600,000GA
grant

SONYMA Homebuyer Programs

NY Housing Authority

The State of New York Mortgage Agency provides multiple first-time homebuyer programs with competitive rates and down payment assistance.

Up to $525,000NY
grant

Disaster & Emergency Assistance

HI Housing Authority

Special assistance for natural disaster-affected homeowners.

Up to $500,000HI
grant

Idaho Housing First-Time Homebuyer Programs

ID Housing Authority

Idaho Housing offers competitive mortgage programs with down payment assistance for first-time homebuyers.

Up to $500,000ID
grant

Property Tax Assistance Programs

NY Tax Department

STAR Program:NYS Tax Department (518) 457-2036

Up to $500,000NY
loan

FHA Rehabilitation Mortgage Insurance (203(h))

Federal Housing Administration

Mortgage insurance for disaster victims to rebuild/purchase

Up to $500,000
loan

HOPE for Homeowners

Federal Housing Administration

Mortgage refinance for underwater homeowners

Up to $500,000
loan

Iowa Veterans Housing Program

Iowa Department of Veterans Affairs

Homeownership assistance for Iowa veterans

Up to $500,000IA
loan

Illinois Veterans Housing Program

Illinois Department of Veterans Affairs

Homeownership assistance for Illinois veterans

Up to $500,000IL
loan

Kentucky Veterans Housing Program

Kentucky Department of Veterans Affairs

Homeownership assistance for Kentucky veterans

Up to $500,000KY
loan

Maryland Veterans Housing Program

Maryland Department of Veterans Affairs

Homeownership assistance for Maryland veterans

Up to $500,000MD
loan

Maine Veterans Housing Program

Maine Department of Veterans Affairs

Homeownership assistance for Maine veterans

Up to $500,000ME
loan

Ohio Veterans Housing Program

Ohio Department of Veterans Affairs

Homeownership assistance for Ohio veterans

Up to $500,000OH
loan

Oklahoma Veterans Housing Program

Oklahoma Department of Veterans Affairs

Homeownership assistance for Oklahoma veterans

Up to $500,000OK
loan

Wyoming Veterans Housing Program

Wyoming Department of Veterans Affairs

Homeownership assistance for Wyoming veterans

Up to $500,000WY
loan

Connecticut Veterans Housing Program

Connecticut Department of Veterans Affairs

Homeownership assistance for Connecticut veterans

Up to $500,000CT
loan

Georgia Veterans Housing Program

Georgia Department of Veterans Affairs

Homeownership assistance for Georgia veterans

Up to $500,000GA
loan

Indiana Veterans Housing Program

Indiana Department of Veterans Affairs

Homeownership assistance for Indiana veterans

Up to $500,000IN
loan

Kansas Veterans Housing Program

Kansas Department of Veterans Affairs

Homeownership assistance for Kansas veterans

Up to $500,000KS
loan

Montana Veterans Housing Program

Montana Department of Veterans Affairs

Homeownership assistance for Montana veterans

Up to $500,000MT
loan

Nebraska Veterans Housing Program

Nebraska Department of Veterans Affairs

Homeownership assistance for Nebraska veterans

Up to $500,000NE
loan

Nevada Veterans Housing Program

Nevada Department of Veterans Affairs

Homeownership assistance for Nevada veterans

Up to $500,000NV
loan

Oregon Veterans Housing Program

Oregon Department of Veterans Affairs

Homeownership assistance for Oregon veterans

Up to $500,000OR
loan

Rhode Island Veterans Housing Program

Rhode Island Department of Veterans Affairs

Homeownership assistance for Rhode Island veterans

Up to $500,000RI
loan

South Dakota Veterans Housing Program

South Dakota Department of Veterans Affairs

Homeownership assistance for South Dakota veterans

Up to $500,000SD
loan

Tennessee Veterans Housing Program

Tennessee Department of Veterans Affairs

Homeownership assistance for Tennessee veterans

Up to $500,000TN
loan

Texas Veterans Housing Program

Texas Department of Veterans Affairs

Homeownership assistance for Texas veterans

Up to $500,000TX
loan

USDA Rural Housing Site Loan Program

U.S. Department of Agriculture

Loans to develop building sites for low-income families in rural areas

Up to $500,000
grant

Great Choice Plus Down Payment Assistance

TN Housing Authority

THDA's premier down payment assistance program for Tennessee homebuyers.

Up to $494,900TN
grant

ND Housing Finance Agency Homebuyer Programs

ND Housing Authority

NDHFA provides comprehensive first-time homebuyer assistance with some of the most generous benefits in the nation.

Up to $448,000ND
grant

My First Texas Home Program

TX Housing Authority

Texas's premier first-time homebuyer assistance program offering down payment help and low-interest mortgages.

Up to $431,325TX
loan

Start Up Loan Program

MN Housing Authority

Overview:Minnesota's primary first-time homebuyer program offering competitive fixed-rate mortgages with down payment and closing cost assistance.

Up to $425,000MN
grant

NC Home Advantage Programs

NC Housing Authority

The North Carolina Housing Finance Agency offers comprehensive first-time homebuyer programs with competitive rates and generous assistance.

Up to $417,000NC
loan

Native American Direct Loan (NADL) Program

U.S. Department of Veterans Affairs

VA direct home loans for Native American veterans on trust land

Up to $417,000
loan

MI Home Loan

MI Housing Authority

Overview:Michigan's flagship homebuyer program offering competitive interest rates, down payment assistance, and flexible qualification requirements.

Up to $376,536MI
grant

Next Home Down Payment Assistance

IN Housing Authority

IHCDA's primary down payment assistance program for first-time homebuyers.

Up to $345,000IN
grant

Veteran Property Tax Exemption

UT Housing Authority

Property tax exemption for qualifying disabled veterans and surviving spouses.

Up to $338,207UT
grant

Property Tax Relief Programs

MN Housing Authority

Overview:Minnesota offers several property tax relief programs for qualifying homeowners.

Up to $300,000MN
loan

Maryland SmartBuy

MD Housing Authority

Overview:A unique program that helps homebuyers with student loan debt by paying off eligible student loans (up to $40,000) as part of the home purchase.

Up to $250,000MD
loan

Accessory Dwelling Unit (ADU) Construction Loan

MA Housing Authority

Overview:Announced January 2026, this new program helps low- and moderate-income homeowners add an accessory dwelling unit (in-law apartment, garage conversion, etc.) to their existing home.

Up to $250,000MA
grant

Property Tax Assistance Programs

NJ Housing Authority

Agency:NJ Division of Taxation

Up to $250,000NJ
grant

Energy Efficiency & Clean Energy Programs

NY Housing Authority

Free or low-cost energy efficiency improvements for income-eligible homeowners.

Up to $250,000NY
grant

Disabled Veterans' Property Tax Exemption

CA Housing Authority

California offers significant property tax exemptions for disabled veterans based on disability rating and income level.

Up to $201,049CA
grant

Property Tax Relief Programs

ID Housing Authority

Idaho's premier property tax relief program for qualifying homeowners.

Up to $200,000ID
grant

HUD Good Neighbor Next Door - Law Enforcement

U.S. Department of Housing and Urban Development

Half-price homes for law enforcement officers in revitalization areas

Up to $200,000
grant

HUD Good Neighbor Next Door - Teachers

U.S. Department of Housing and Urban Development

Half-price homes for K-12 teachers in revitalization areas

Up to $200,000
grant

Disabled Veteran Property Tax Relief

TN Housing Authority

Property tax exemption for qualifying disabled veterans and surviving spouses.

Up to $175,000TN
grant

Senior & Disabled Veteran Property Tax Exemption

AK Housing Authority

Alaska provides property tax exemptions for seniors and disabled veterans, significantly reducing the property tax burden on qualifying homeowners.

Up to $150,000AK
loan

California Dream For All Shared Appreciation Loan

CA Housing Authority

Groundbreaking program providing up to 20% down payment assistance as a shared appreciation loan. The state shares in the home's appreciation when sold or refinanced.

Up to $150,000CA
grant

Washington Property Tax Relief Programs

WA Housing Authority

How to Apply:Contact your county Assessor's office. Application deadline typically December 31. Find your assessor atdor.wa.gov

Up to $150,000WA
grant

Good Neighbor Next Door (GNND)

U.S. Department of Housing and Urban Development

Provides 50% discount on HUD-owned homes for law enforcement officers, teachers, firefighters, and emergency medical technicians.

Up to $150,000
loan

New Jersey Energy Savings Improvement Program

New Jersey Board of Public Utilities

Financing for energy efficiency and renewable energy improvements

Up to $150,000NJ
grant

HUD Good Neighbor Next Door - Firefighter/EMT

U.S. Department of Housing and Urban Development

50% discount on HUD homes for firefighters and EMTs

Up to $150,000
grant

Property Tax Relief Programs

HI Housing Authority

Reduces property tax burden for owner-occupants.

Up to $140,000HI
grant

1stHomeIllinois Down Payment Assistance

IL Housing Authority

IHDA's flagship program providing down payment assistance to first-time homebuyers throughout Illinois.

Up to $109,200IL
grant

Residence Homestead Exemption

TX Housing Authority

Mandatory property tax exemption for all Texas homeowners.

Up to $100,000TX
tax-credit

Federal Solar Investment Tax Credit (ITC)

Internal Revenue Service

Tax credit for residential solar energy system installation

Up to $100,000
grant

Native Hawaiian Housing Block Grant

U.S. Department of Housing and Urban Development

Housing assistance for Native Hawaiians

Up to $100,000HI
grant

Property Tax Relief Programs

IL Housing Authority

Automatic exemption reducing property tax burden for all owner-occupants.

Up to $65,000IL
grant

Property Tax Relief Programs

MI Housing Authority

Overview:Michigan offers several property tax relief programs for eligible homeowners.

Up to $63,000MI
grant

Property Tax Relief Programs

GA Housing Authority

Reduces the assessed value of your primary residence, lowering property taxes.

Up to $60,000GA
grant

Energy Efficiency & Solar Programs

HI Housing Authority

Incentives for energy-efficient improvements in America's sunniest state.

Up to $60,000HI
grant

Property Tax Assistance Programs

ND Housing Authority

Agency:ND Office of State Tax Commissioner

Up to $60,000ND
tax-credit

Homeowners Property Tax Credit

UT Housing Authority

Tax credit to help low-income homeowners with property taxes.

Up to $50,106UT
tax-credit

Circuit Breaker Tax Credit (Abatement)

UT Housing Authority

Property tax reduction for low-income elderly and disabled homeowners.

Up to $50,106UT
grant

USDA Section 504 Home Repair (Rural Alabama)

AL Housing Authority

Federal program offering grants and low-interest loans to very low-income homeowners in rural Alabama for repairs and improvements to make homes safer and more sanitary.

Up to $50,000AL
grant

Home Repair & Rehabilitation Programs

county and city governments Rural Housing Repair & Rehabilitation Grants USDA Section 504 grants up to $10,000 Available to very low-income homeowners age 62+ Loans up to $40,000 at 1% interest Focus on rural Idaho properties

Provides grants and loans for home repairs to low-income homeowners.

Up to $50,000ID
grant

Home Repair & Rehabilitation Programs

Indianapolis Neighborhood Housing Partnership

Provides grants and loans for home repairs to low-income homeowners.

Up to $50,000IN
grant

Down Payment Assistance (DPA)

MA Housing Authority

Overview:MassHousing provides down payment assistance in three flexible formats, offering 10% of the purchase price up to $30,000-$50,000 depending on location.

Up to $50,000MA
loan

MassHousing Home Improvement Loan

MA Housing Authority

Overview:Existing MassHousing mortgage holders can access additional financing for home repairs, improvements, and energy efficiency upgrades.

Up to $50,000MA
loan

Rehabilitation Loan Program

MN Housing Authority

Overview:Financing for necessary home repairs and improvements for current homeowners with Minnesota Housing mortgages.

Up to $50,000MN
loan

Fix Up Fund

MN Housing Authority

Overview:Low-cost loans and deferred loans for low-income homeowners to make critical home repairs.

Up to $50,000MN
grant

Clean Energy Programs

NJ Housing Authority

Program:NJ Clean Energy Program

Up to $50,000NJ
grant

Home Improvement & Repair Programs

local Community Action Agencies Emergency Repair Program

Provides grants and loans for emergency home repairs to prevent homelessness.

Up to $50,000NY
grant

Additional Homeowner Assistance

Independent Living Centers Septic System Replacement Program

Housing Counseling:(800) 382-4663

Up to $50,000NY
grant

Home Improvement & Repair Programs

ND Housing Authority

Provides low-interest loans and grants for home repairs and improvements.

Up to $50,000ND
grant

Homestead Exemption

SC Housing Authority

Property tax exemption for owner-occupied homes.

Up to $50,000SC
grant

HOME Repair Program

TX Housing Authority

Rehabilitation assistance for income-eligible homeowners through local administrators.

Up to $50,000TX
grant

Vermont Repair & Rehabilitation Programs

VT Housing Authority

VHFA offers home repair loans and grants to help Vermont homeowners maintain and improve their homes.

Up to $50,000VT
tax-credit

North Carolina Property Tax Relief Program

North Carolina Department of Revenue

Property tax exclusion for elderly or disabled homeowners

Up to $50,000NC
grant

New York State Affordable Home Ownership Development Program

New York State Homes and Community Renewal

Grants and loans for affordable homeownership development

Up to $50,000NY
grant

USDA Section 523 Mutual Self-Help Housing

U.S. Department of Agriculture

Technical assistance grants for self-help housing programs in rural areas

Up to $50,000
tax-credit

Residential Renewable Energy Tax Credit

Internal Revenue Service

Federal tax credit for solar, wind, geothermal systems

Up to $50,000
grant

Property Tax Assistance Programs

NC Housing Authority

Agency:County Tax Assessor (varies by county)

Up to $45,000NC
loan

Texas Bootstrap Loan Program

TX Housing Authority

Unique program providing construction financing and homebuyer education for low-income families willing to provide "sweat equity."

Up to $45,000TX
loan

North Carolina Housing Rehabilitation Loan Program

North Carolina Housing Finance Agency

Low-interest loans for home repairs and improvements

Up to $45,000NC
tax-credit

Kentucky Homestead Exemption

Kentucky Department of Revenue

Property tax exemption for homeowners 65 and older or totally disabled

Up to $43,300KY
loan

AHFC Rural Owner-Occupied Rehabilitation

AK Housing Authority

Low-interest loans to rural Alaska homeowners for critical home repairs and improvements, addressing health, safety, and code violations.

Up to $40,000AK
grant

ADU Grant Program

CA Housing Authority

Provides grants to homeowners to help offset the cost of building Accessory Dwelling Units (ADUs), with priority for units rented to low-income tenants.

Up to $40,000CA
grant

Rural Housing Programs

IN Housing Authority

Special programs for rural Indiana homeowners and buyers.

Up to $40,000IN
loan

Home Improvement & Repair Programs

NM Housing Authority

Provides low-interest loans for home repairs and improvements.

Up to $40,000NM
grant

Additional Homeowner Assistance

local health departments Accessibility Modifications Program

Emergency assistance for homeowners at risk of foreclosure.

Up to $40,000NC
grant

Additional Homeowner Assistance

individual tribal housing departments Flood Mitigation & Recovery Buyout Program

USDA Rural Development:(701) 530-2037

Up to $40,000ND
grant

Washington Home Repair & Rehabilitation

WA Housing Authority

Contact:WA Dept of Commerce at (800) 962-4014 or your local Community Action Agency

Up to $40,000WA
grant

West Virginia Home Repair Programs

WV Housing Authority

Contact:WVHDF at (800) 933-9843 or USDA Rural Development at (304) 284-4860

Up to $40,000WV
grant

Wisconsin Home Repair & Rehabilitation

WI Housing Authority

Contact:WHEDA at (800) 334-6873 or USDA Rural Development at (715) 345-7600

Up to $40,000WI
grant

Wyoming Home Repair & Rehabilitation

WY Housing Authority

Contact:WCDA at (307) 265-0603 or USDA Rural Development at (307) 233-6700

Up to $40,000WY
grant

New York State SONYMA Down Payment Assistance

State of New York Mortgage Agency

Up to $40,000 in down payment assistance for qualified buyers

Up to $40,000NY
grant

Washington State House Key Opportunity Program

Washington State Housing Finance Commission

Down payment assistance for Washington homebuyers

Up to $40,000WA
grant

Homestead Tax Relief

TN Housing Authority

Additional property tax relief for low-income homeowners.

Up to $36,700TN
grant

Property Tax Relief for Elderly

TN Housing Authority

Property tax freeze program for qualifying senior and disabled homeowners.

Up to $35,300TN
tax-credit

Federal Solar Tax Credit + California Net Metering

CA Housing Authority

Federal Investment Tax Credit (ITC) for solar installations combined with California's Net Energy Metering (NEM) makes solar highly attractive despite recent NEM changes.

Up to $35,000CA
grant

Home Repair & Rehabilitation Programs

county housing agencies 🌊 Coastal Consideration: Programs may include hurricane preparedness upgrades and saltwater corrosion repairs unique to island living

Provides grants and low-interest loans for home repairs to low-income homeowners.

Up to $35,000HI
grant

Foreclosure Prevention & Hardship Assistance

IN Housing Authority

Financial assistance for homeowners experiencing hardship.

Up to $35,000IN
loan

FHA 203(k) Limited Rehabilitation Loan

MD Housing Authority

Overview:Allows homebuyers to finance both the purchase price and repair/modernization costs (up to $35,000) in a single mortgage.

Up to $35,000MD
loan

Single Family Rehabilitation Program

UT Housing Authority

Loans for homeowners to repair and improve existing homes.

Up to $35,000UT
grant

Home Energy Rebate Program (Weatherization)

AK Housing Authority

Alaska's weatherization program provides comprehensive energy efficiency improvements free of charge to income-qualified homeowners. Critical for Alaska's extreme climate.

Up to $30,000AK
grant

Alaska Native Tribal Housing Programs

AK Housing Authority

Various housing assistance programs specifically for Alaska Natives through tribal housing authorities, including home repair grants, down payment assistance, and new construction.

Up to $30,000AK
grant

CalHFA MyHome Assistance Program

CA Housing Authority

CalHFA's flagship down payment assistance program provides up to 3.5% of the purchase price or appraised value as a deferred-payment junior loan.

Up to $30,000CA
grant

CalHOME Down Payment Assistance (Local Programs)

local governments and nonprofits, providing down payment assistance and home rehabilitation loans

State-funded program administered by local governments and nonprofits, providing down payment assistance and home rehabilitation loans.

Up to $30,000CA
grant

Foreclosure Prevention & Assistance

GA Housing Authority

Provides financial assistance to homeowners experiencing hardship due to COVID-19 or other financial emergencies.

Up to $30,000GA
grant

Native Hawaiian Homeownership

the Department

Special homeownership opportunities for Native Hawaiians through the Department of Hawaiian Home Lands (DHHL).

Up to $30,000HI
loan

Home Repair & Rehabilitation Programs

cities and counties Priority for low-income and elderly homeowners Chicago Rehab Programs Home Repair & Weatherization Program: Up to $20,000 grant Emergency Repair: Up to $5,000 for urgent issues Accessibility Modifications: Grants for seniors and disabled

Provides low-interest loans for home repairs and improvements.

Up to $30,000IL
grant

Foreclosure Prevention & Assistance

IL Housing Authority

Financial assistance for homeowners facing hardship.

Up to $30,000IL
grant

Property Tax Assistance Programs

NM Housing Authority

Agency:NM Taxation and Revenue Department

Up to $30,000NM
grant

Additional Homeowner Assistance

NM Housing Authority

Emergency assistance for homeowners facing foreclosure.

Up to $30,000NM
grant

Housing Trust Fund Repair Programs

SC Housing Authority

Grants and loans to help low-income homeowners repair and rehabilitate their homes.

Up to $30,000SC
grant

Washington Down Payment Assistance Programs

WA Housing Authority

Multiple programs help Washington homebuyers with down payment and closing costs.

Up to $30,000WA
grant

Vermont Home Rehabilitation Program

Vermont Housing Finance Agency

Grants and loans for home repairs and accessibility improvements

Up to $30,000VT
grant

VA Special Housing Adaptation (SHA) Grant

U.S. Department of Veterans Affairs

Grant up to $25,350 (FY 2026) for disabled veterans to adapt a home for independent living.

Up to $25,350
grant

AHFA Home Repair Programs

county or municipal housing program

AHFA administers various home repair and rehabilitation programs for low-to-moderate income homeowners, helping with critical repairs and accessibility modifications.

Up to $25,000AL
grant

County Home Repair Programs

AZ Housing Authority

Various Arizona counties (Maricopa, Pima, etc.) offer home repair and rehabilitation programs for low-income homeowners to address health and safety issues.

Up to $25,000AZ
grant

Residential Solar & Battery Incentives

AZ Housing Authority

Federal Investment Tax Credit (ITC) combined with net metering policies from Arizona utilities make solar highly attractive. Some utilities offer additional incentives.

Up to $25,000AZ
grant

Home Repair & Rehabilitation Programs

AR Housing Authority

Various local and regional programs help low-income Arkansas homeowners with critical home repairs, administered through Community Action Agencies and local governments.

Up to $25,000AR
grant

Home Repair & Rehabilitation Programs

local participating governments Emergency Repair Program

Provides grants and low-interest loans for critical home repairs for low-income homeowners.

Up to $25,000GA
loan

Down Payment Assistance Loan (DPAL)

HI Housing Authority

Provides additional down payment and closing cost assistance as a "silent second" mortgage.

Up to $25,000HI
grant

Chicago-Specific Programs

IL Housing Authority

Affordable homeownership opportunities in new developments.

Up to $25,000IL
grant

MassSave Energy Efficiency Programs

MA Housing Authority

Overview:Statewide program offering rebates, incentives, and no-cost energy assessments to help homeowners reduce energy costs.

Up to $25,000MA
grant

Home Improvement Programs

NJ Housing Authority

Provides grants and low-interest loans for essential home repairs for low-income homeowners.

Up to $25,000NJ
loan

Home Repair & Rehabilitation Programs

local governments Urgent Repair Program

Various local and regional programs help low-income Arkansas homeowners with critical home repairs, administered through Community Action Agencies and local governments.

Up to $25,000NC
loan

Housing Rehabilitation Loan Program

SD Housing Authority

Low-interest loans for homeowners to make necessary repairs and improvements.

Up to $25,000SD
grant

Virginia Home Repair & Rehabilitation Programs

local government partners Home Improvement Loan Program

Contact:Virginia Housing at (877) 843-2123 or your local community development office

Up to $25,000VA
grant

WCDA Down Payment Assistance Programs

WY Housing Authority

The Wyoming Community Development Authority provides multiple homebuyer assistance programs.

Up to $25,000WY
loan

FHA Title I Property Improvement Loan

Federal Housing Administration

Insured loans for home improvements and repairs

Up to $25,000
grant

HUD Community Development Block Grant (CDBG) Homeownership Assistance

U.S. Department of Housing and Urban Development

Local programs using CDBG funds for homeownership

Up to $25,000
loan

MI Home Loan Flex

MI Housing Authority

Overview:Enhanced version of MI Home Loan offering increased down payment assistance for properties in target areas or for eligible borrowers.

Up to $22,500MI
grant

Property Tax Reduction for Elderly & Disabled

SD Housing Authority

Assessment freeze program for qualifying senior and disabled homeowners.

Up to $21,080SD
grant

Homeownership for the Brave

TN Housing Authority

Enhanced assistance for military veterans, active duty service members, and reservists.

Up to $20,000TN
loan

Homeownership Repair Program

TN Housing Authority

Low-interest loans for necessary home repairs and rehabilitation.

Up to $20,000TN
grant

Texas Emergency Home Repair Program

TX Housing Authority

Grants for critical home repairs for low-income elderly and disabled homeowners.

Up to $20,000TX
grant

VHFA First-Time Homebuyer Programs

VT Housing Authority

The Vermont Housing Finance Agency provides mortgage assistance and down payment help for eligible first-time homebuyers throughout Vermont.

Up to $20,000VT
grant

West Virginia Property Tax Relief Programs

WV Housing Authority

How to Apply:Contact your County Assessor's office. Application deadline typically July 1. Find your assessor attax.wv.gov

Up to $20,000WV
grant

Louisiana Step Up DPA (Enhanced Assistance)

Louisiana Housing Corporation (LHC)

Enhanced down payment assistance up to $20,000 for lower-income households in targeted parishes.

Up to $20,000LA
grant

Louisiana Heroes Initiative DPA

Louisiana Housing Corporation (LHC)

Special $20,000 down payment assistance for first responders, teachers, healthcare workers, and military personnel.

Up to $20,000LA
grant

Kansas Home Rehabilitation Program

Kansas Housing Resources Corporation

Loans and grants for home repair and accessibility modifications

Up to $20,000KS
grant

USDA Rural Energy for America Program (REAP)

U.S. Department of Agriculture

Grants and loans for renewable energy systems in rural areas

Up to $20,000
grant

AHFC Taxable Down Payment Assistance

AK Housing Authority

Provides down payment and closing cost assistance as a deferred, forgivable second mortgage to eligible homebuyers purchasing in Alaska.

Up to $15,000AK
grant

Home Plus Down Payment Assistance

AZ Housing Authority

ADOH's Home Plus program provides down payment and closing cost assistance to qualified first-time homebuyers through a forgivable second lien.

Up to $15,000AZ
grant

ADFA Down Payment Assistance

AR Housing Authority

Arkansas Development Finance Authority provides down payment and closing cost assistance to first-time homebuyers through forgivable second mortgages.

Up to $15,000AR
grant

Down Payment Assistance Program (DPA)

GA Housing Authority

Georgia's DCA offers down payment and closing cost assistance to eligible homebuyers purchasing their first home.

Up to $15,000GA
grant

Local & Municipal Programs

IN Housing Authority

Local & Municipal Programs

Up to $15,000IN
grant

NM MFA Homebuyer Programs

NM Housing Authority

The New Mexico Mortgage Finance Authority provides comprehensive first-time homebuyer assistance with competitive rates and generous down payment support.

Up to $15,000NM
grant

Homes for Texas Heroes

TX Housing Authority

Enhanced homebuying assistance for teachers, firefighters, EMS, law enforcement, corrections officers, and military.

Up to $15,000TX
grant

CommunityHERO Program

UT Housing Authority

Enhanced assistance for teachers, law enforcement, firefighters, EMS, healthcare workers, and military.

Up to $15,000UT
grant

Virginia Housing Down Payment Assistance

VA Housing Authority

Virginia Housing offers multiple down payment assistance programs for first-time and repeat homebuyers.

Up to $15,000VA
grant

WVHDF Down Payment Assistance Programs

WV Housing Authority

The West Virginia Housing Development Fund offers multiple programs to help first-time and repeat homebuyers.

Up to $15,000WV
grant

WHEDA Down Payment Assistance Programs

WI Housing Authority

WHEDA offers multiple programs to help Wisconsin homebuyers achieve homeownership.

Up to $15,000WI
grant

Louisiana Down Payment Assistance (DPA)

Louisiana Housing Corporation (LHC)

Zero-interest second mortgage up to $15,000, forgivable after 10 years, to help with down payment and closing costs.

Up to $15,000LA
grant

NC Home Advantage Mortgage

North Carolina Housing Finance Agency

Down payment assistance for first-time homebuyers in North Carolina

Up to $15,000NC
tax-credit

New Jersey Disabled Veterans Property Tax Exemption

New Jersey Division of Taxation

Full property tax exemption for 100% disabled veterans

Up to $15,000NJ
tax-credit

New York Veterans Property Tax Exemption

Local Tax Assessors

Property tax exemption for qualified veterans

Up to $15,000NY
grant

Iowa Home Repair Assistance Program

Iowa Finance Authority

Grants and loans for critical home repairs in Iowa

Up to $15,000IA
grant

Arkansas Home Repair Assistance Program

Arkansas Development Finance Authority

Grants and loans for critical home repairs in Arkansas

Up to $15,000AR
grant

Idaho Home Repair Assistance Program

Idaho Housing and Finance Association

Grants and loans for critical home repairs in Idaho

Up to $15,000ID
grant

Illinois Home Repair Assistance Program

Illinois Housing Development Authority

Grants and loans for critical home repairs in Illinois

Up to $15,000IL
grant

Kentucky Home Repair Assistance Program

Kentucky Housing Corporation

Grants and loans for critical home repairs in Kentucky

Up to $15,000KY
grant

Maryland Home Repair Assistance Program

Maryland Department of Housing

Grants and loans for critical home repairs in Maryland

Up to $15,000MD
grant

Maine Home Repair Assistance Program

Maine State Housing Authority

Grants and loans for critical home repairs in Maine

Up to $15,000ME
grant

Ohio Home Repair Assistance Program

Ohio Housing Finance Agency

Grants and loans for critical home repairs in Ohio

Up to $15,000OH
grant

Oklahoma Home Repair Assistance Program

Oklahoma Housing Finance Agency

Grants and loans for critical home repairs in Oklahoma

Up to $15,000OK
grant

Wyoming Home Repair Assistance Program

Wyoming Community Development Authority

Grants and loans for critical home repairs in Wyoming

Up to $15,000WY
grant

Alabama Home Repair Assistance Program

Alabama Housing Finance Authority

Grants and loans for critical home repairs in Alabama

Up to $15,000AL
grant

Colorado Home Repair Assistance Program

Colorado Housing and Finance Authority

Grants and loans for critical home repairs in Colorado

Up to $15,000CO
grant

Connecticut Home Repair Assistance Program

Connecticut Housing Finance Authority

Grants and loans for critical home repairs in Connecticut

Up to $15,000CT