Browse all 505+ federal, state, and local assistance programs for homeowners.
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Showing 200 programs
Iowa Finance Authority (Opportunity Iowa)
Affordable mortgage program with below-market interest rates and low down payment requirements for first-time homebuyers in Iowa.
Kentucky Housing Corporation (KHC)
Affordable mortgage loans with below-market interest rates and flexible terms for Kentucky homebuyers.
Louisiana Housing Corporation (LHC)
Affordable mortgage financing with below-market rates and flexible terms for qualified Louisiana homebuyers.
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.
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.
MaineHousing
$10,000 down payment assistance for those who never lived in a home owned by their parents or were in foster care.
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.
Kansas Housing Resources Corporation (KHRC)
Down payment and closing cost assistance for first-time homebuyers in Kansas through Kansas Housing Resources Corporation.
MaineHousing
Low fixed interest rate mortgages with little or no down payment for Maine homebuyers.
USDA Rural Development
Zero down payment, subsidized interest rate mortgages for low and very low-income rural homebuyers unable to obtain conventional financing.
HI Housing Authority
Hawaii's flagship homebuyer program offering below-market interest rates and down payment assistance.
U.S. Department of Housing and Urban Development
Mortgage guarantee for Native American homebuyers on trust land
Federal Housing Administration
Mortgage insurance for home purchase with low down payment
U.S. Department of Veterans Affairs
Allows qualified buyers to assume existing VA loan
U.S. Department of Veterans Affairs
Refinance to access home equity for improvements
Federal Housing Administration
Reverse mortgage for seniors purchasing a new primary residence
Federal Housing Administration
Insured adjustable rate mortgages with caps
Federal Housing Administration
Mortgage insurance for purchasing condominiums
Federal Housing Administration
Mortgage with increasing payments to build equity faster
U.S. Department of Veterans Affairs
VA financing for purchasing VA foreclosed properties
Fannie Mae
Low down payment mortgage for low to moderate-income borrowers
Freddie Mac
Low down payment options for low to moderate-income families
UT Housing Authority
Utah Housing's flagship program providing down payment and closing cost assistance for first-time homebuyers.
Federal Housing Administration
Lower initial payments that increase over time
Massachusetts Housing Partnership
Low-interest mortgages for first-time homebuyers
IN Housing Authority
Automatic property tax reduction for all owner-occupants.
Georgia Department of Veterans Service
Low-interest home loans for Georgia veterans
NY Housing Authority
The State of New York Mortgage Agency provides multiple first-time homebuyer programs with competitive rates and down payment assistance.
HI Housing Authority
Special assistance for natural disaster-affected homeowners.
ID Housing Authority
Idaho Housing offers competitive mortgage programs with down payment assistance for first-time homebuyers.
NY Tax Department
STAR Program:NYS Tax Department (518) 457-2036
Federal Housing Administration
Mortgage insurance for disaster victims to rebuild/purchase
Federal Housing Administration
Mortgage refinance for underwater homeowners
Iowa Department of Veterans Affairs
Homeownership assistance for Iowa veterans
Illinois Department of Veterans Affairs
Homeownership assistance for Illinois veterans
Kentucky Department of Veterans Affairs
Homeownership assistance for Kentucky veterans
Maryland Department of Veterans Affairs
Homeownership assistance for Maryland veterans
Maine Department of Veterans Affairs
Homeownership assistance for Maine veterans
Ohio Department of Veterans Affairs
Homeownership assistance for Ohio veterans
Oklahoma Department of Veterans Affairs
Homeownership assistance for Oklahoma veterans
Wyoming Department of Veterans Affairs
Homeownership assistance for Wyoming veterans
Connecticut Department of Veterans Affairs
Homeownership assistance for Connecticut veterans
Georgia Department of Veterans Affairs
Homeownership assistance for Georgia veterans
Indiana Department of Veterans Affairs
Homeownership assistance for Indiana veterans
Kansas Department of Veterans Affairs
Homeownership assistance for Kansas veterans
Montana Department of Veterans Affairs
Homeownership assistance for Montana veterans
Nebraska Department of Veterans Affairs
Homeownership assistance for Nebraska veterans
Nevada Department of Veterans Affairs
Homeownership assistance for Nevada veterans
Oregon Department of Veterans Affairs
Homeownership assistance for Oregon veterans
Rhode Island Department of Veterans Affairs
Homeownership assistance for Rhode Island veterans
South Dakota Department of Veterans Affairs
Homeownership assistance for South Dakota veterans
Tennessee Department of Veterans Affairs
Homeownership assistance for Tennessee veterans
Texas Department of Veterans Affairs
Homeownership assistance for Texas veterans
U.S. Department of Agriculture
Loans to develop building sites for low-income families in rural areas
TN Housing Authority
THDA's premier down payment assistance program for Tennessee homebuyers.
ND Housing Authority
NDHFA provides comprehensive first-time homebuyer assistance with some of the most generous benefits in the nation.
TX Housing Authority
Texas's premier first-time homebuyer assistance program offering down payment help and low-interest mortgages.
MN Housing Authority
Overview:Minnesota's primary first-time homebuyer program offering competitive fixed-rate mortgages with down payment and closing cost assistance.
NC Housing Authority
The North Carolina Housing Finance Agency offers comprehensive first-time homebuyer programs with competitive rates and generous assistance.
U.S. Department of Veterans Affairs
VA direct home loans for Native American veterans on trust land
MI Housing Authority
Overview:Michigan's flagship homebuyer program offering competitive interest rates, down payment assistance, and flexible qualification requirements.
IN Housing Authority
IHCDA's primary down payment assistance program for first-time homebuyers.
UT Housing Authority
Property tax exemption for qualifying disabled veterans and surviving spouses.
MN Housing Authority
Overview:Minnesota offers several property tax relief programs for qualifying homeowners.
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.
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.
NJ Housing Authority
Agency:NJ Division of Taxation
NY Housing Authority
Free or low-cost energy efficiency improvements for income-eligible homeowners.
CA Housing Authority
California offers significant property tax exemptions for disabled veterans based on disability rating and income level.
ID Housing Authority
Idaho's premier property tax relief program for qualifying homeowners.
U.S. Department of Housing and Urban Development
Half-price homes for law enforcement officers in revitalization areas
U.S. Department of Housing and Urban Development
Half-price homes for K-12 teachers in revitalization areas
TN Housing Authority
Property tax exemption for qualifying disabled veterans and surviving spouses.
AK Housing Authority
Alaska provides property tax exemptions for seniors and disabled veterans, significantly reducing the property tax burden on qualifying homeowners.
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.
WA Housing Authority
How to Apply:Contact your county Assessor's office. Application deadline typically December 31. Find your assessor atdor.wa.gov
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.
New Jersey Board of Public Utilities
Financing for energy efficiency and renewable energy improvements
U.S. Department of Housing and Urban Development
50% discount on HUD homes for firefighters and EMTs
HI Housing Authority
Reduces property tax burden for owner-occupants.
IL Housing Authority
IHDA's flagship program providing down payment assistance to first-time homebuyers throughout Illinois.
TX Housing Authority
Mandatory property tax exemption for all Texas homeowners.
Internal Revenue Service
Tax credit for residential solar energy system installation
U.S. Department of Housing and Urban Development
Housing assistance for Native Hawaiians
IL Housing Authority
Automatic exemption reducing property tax burden for all owner-occupants.
MI Housing Authority
Overview:Michigan offers several property tax relief programs for eligible homeowners.
GA Housing Authority
Reduces the assessed value of your primary residence, lowering property taxes.
HI Housing Authority
Incentives for energy-efficient improvements in America's sunniest state.
ND Housing Authority
Agency:ND Office of State Tax Commissioner
UT Housing Authority
Tax credit to help low-income homeowners with property taxes.
UT Housing Authority
Property tax reduction for low-income elderly and disabled homeowners.
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.
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.
Indianapolis Neighborhood Housing Partnership
Provides grants and loans for home repairs to low-income homeowners.
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.
MA Housing Authority
Overview:Existing MassHousing mortgage holders can access additional financing for home repairs, improvements, and energy efficiency upgrades.
MN Housing Authority
Overview:Financing for necessary home repairs and improvements for current homeowners with Minnesota Housing mortgages.
MN Housing Authority
Overview:Low-cost loans and deferred loans for low-income homeowners to make critical home repairs.
NJ Housing Authority
Program:NJ Clean Energy Program
local Community Action Agencies Emergency Repair Program
Provides grants and loans for emergency home repairs to prevent homelessness.
Independent Living Centers Septic System Replacement Program
Housing Counseling:(800) 382-4663
ND Housing Authority
Provides low-interest loans and grants for home repairs and improvements.
SC Housing Authority
Property tax exemption for owner-occupied homes.
TX Housing Authority
Rehabilitation assistance for income-eligible homeowners through local administrators.
VT Housing Authority
VHFA offers home repair loans and grants to help Vermont homeowners maintain and improve their homes.
North Carolina Department of Revenue
Property tax exclusion for elderly or disabled homeowners
New York State Homes and Community Renewal
Grants and loans for affordable homeownership development
U.S. Department of Agriculture
Technical assistance grants for self-help housing programs in rural areas
Internal Revenue Service
Federal tax credit for solar, wind, geothermal systems
NC Housing Authority
Agency:County Tax Assessor (varies by county)
TX Housing Authority
Unique program providing construction financing and homebuyer education for low-income families willing to provide "sweat equity."
North Carolina Housing Finance Agency
Low-interest loans for home repairs and improvements
Kentucky Department of Revenue
Property tax exemption for homeowners 65 and older or totally disabled
AK Housing Authority
Low-interest loans to rural Alaska homeowners for critical home repairs and improvements, addressing health, safety, and code violations.
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.
IN Housing Authority
Special programs for rural Indiana homeowners and buyers.
NM Housing Authority
Provides low-interest loans for home repairs and improvements.
local health departments Accessibility Modifications Program
Emergency assistance for homeowners at risk of foreclosure.
individual tribal housing departments Flood Mitigation & Recovery Buyout Program
USDA Rural Development:(701) 530-2037
WA Housing Authority
Contact:WA Dept of Commerce at (800) 962-4014 or your local Community Action Agency
WV Housing Authority
Contact:WVHDF at (800) 933-9843 or USDA Rural Development at (304) 284-4860
WI Housing Authority
Contact:WHEDA at (800) 334-6873 or USDA Rural Development at (715) 345-7600
WY Housing Authority
Contact:WCDA at (307) 265-0603 or USDA Rural Development at (307) 233-6700
State of New York Mortgage Agency
Up to $40,000 in down payment assistance for qualified buyers
Washington State Housing Finance Commission
Down payment assistance for Washington homebuyers
TN Housing Authority
Additional property tax relief for low-income homeowners.
TN Housing Authority
Property tax freeze program for qualifying senior and disabled homeowners.
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.
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.
IN Housing Authority
Financial assistance for homeowners experiencing hardship.
MD Housing Authority
Overview:Allows homebuyers to finance both the purchase price and repair/modernization costs (up to $35,000) in a single mortgage.
UT Housing Authority
Loans for homeowners to repair and improve existing homes.
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.
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.
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.
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.
GA Housing Authority
Provides financial assistance to homeowners experiencing hardship due to COVID-19 or other financial emergencies.
the Department
Special homeownership opportunities for Native Hawaiians through the Department of Hawaiian Home Lands (DHHL).
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.
IL Housing Authority
Financial assistance for homeowners facing hardship.
NM Housing Authority
Agency:NM Taxation and Revenue Department
NM Housing Authority
Emergency assistance for homeowners facing foreclosure.
SC Housing Authority
Grants and loans to help low-income homeowners repair and rehabilitate their homes.
WA Housing Authority
Multiple programs help Washington homebuyers with down payment and closing costs.
Vermont Housing Finance Agency
Grants and loans for home repairs and accessibility improvements
U.S. Department of Veterans Affairs
Grant up to $25,350 (FY 2026) for disabled veterans to adapt a home for independent living.
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.
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.
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.
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.
local participating governments Emergency Repair Program
Provides grants and low-interest loans for critical home repairs for low-income homeowners.
HI Housing Authority
Provides additional down payment and closing cost assistance as a "silent second" mortgage.
IL Housing Authority
Affordable homeownership opportunities in new developments.
MA Housing Authority
Overview:Statewide program offering rebates, incentives, and no-cost energy assessments to help homeowners reduce energy costs.
NJ Housing Authority
Provides grants and low-interest loans for essential home repairs for low-income homeowners.
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.
SD Housing Authority
Low-interest loans for homeowners to make necessary repairs and improvements.
local government partners Home Improvement Loan Program
Contact:Virginia Housing at (877) 843-2123 or your local community development office
WY Housing Authority
The Wyoming Community Development Authority provides multiple homebuyer assistance programs.
Federal Housing Administration
Insured loans for home improvements and repairs
U.S. Department of Housing and Urban Development
Local programs using CDBG funds for homeownership
MI Housing Authority
Overview:Enhanced version of MI Home Loan offering increased down payment assistance for properties in target areas or for eligible borrowers.
SD Housing Authority
Assessment freeze program for qualifying senior and disabled homeowners.
TN Housing Authority
Enhanced assistance for military veterans, active duty service members, and reservists.
TN Housing Authority
Low-interest loans for necessary home repairs and rehabilitation.
TX Housing Authority
Grants for critical home repairs for low-income elderly and disabled homeowners.
VT Housing Authority
The Vermont Housing Finance Agency provides mortgage assistance and down payment help for eligible first-time homebuyers throughout Vermont.
WV Housing Authority
How to Apply:Contact your County Assessor's office. Application deadline typically July 1. Find your assessor attax.wv.gov
Louisiana Housing Corporation (LHC)
Enhanced down payment assistance up to $20,000 for lower-income households in targeted parishes.
Louisiana Housing Corporation (LHC)
Special $20,000 down payment assistance for first responders, teachers, healthcare workers, and military personnel.
Kansas Housing Resources Corporation
Loans and grants for home repair and accessibility modifications
U.S. Department of Agriculture
Grants and loans for renewable energy systems in rural areas
AK Housing Authority
Provides down payment and closing cost assistance as a deferred, forgivable second mortgage to eligible homebuyers purchasing in Alaska.
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.
AR Housing Authority
Arkansas Development Finance Authority provides down payment and closing cost assistance to first-time homebuyers through forgivable second mortgages.
GA Housing Authority
Georgia's DCA offers down payment and closing cost assistance to eligible homebuyers purchasing their first home.
IN Housing Authority
Local & Municipal Programs
NM Housing Authority
The New Mexico Mortgage Finance Authority provides comprehensive first-time homebuyer assistance with competitive rates and generous down payment support.
TX Housing Authority
Enhanced homebuying assistance for teachers, firefighters, EMS, law enforcement, corrections officers, and military.
UT Housing Authority
Enhanced assistance for teachers, law enforcement, firefighters, EMS, healthcare workers, and military.
VA Housing Authority
Virginia Housing offers multiple down payment assistance programs for first-time and repeat homebuyers.
WV Housing Authority
The West Virginia Housing Development Fund offers multiple programs to help first-time and repeat homebuyers.
WI Housing Authority
WHEDA offers multiple programs to help Wisconsin homebuyers achieve homeownership.
Louisiana Housing Corporation (LHC)
Zero-interest second mortgage up to $15,000, forgivable after 10 years, to help with down payment and closing costs.
North Carolina Housing Finance Agency
Down payment assistance for first-time homebuyers in North Carolina
New Jersey Division of Taxation
Full property tax exemption for 100% disabled veterans
Local Tax Assessors
Property tax exemption for qualified veterans
Iowa Finance Authority
Grants and loans for critical home repairs in Iowa
Arkansas Development Finance Authority
Grants and loans for critical home repairs in Arkansas
Idaho Housing and Finance Association
Grants and loans for critical home repairs in Idaho
Illinois Housing Development Authority
Grants and loans for critical home repairs in Illinois
Kentucky Housing Corporation
Grants and loans for critical home repairs in Kentucky
Maryland Department of Housing
Grants and loans for critical home repairs in Maryland
Maine State Housing Authority
Grants and loans for critical home repairs in Maine
Ohio Housing Finance Agency
Grants and loans for critical home repairs in Ohio
Oklahoma Housing Finance Agency
Grants and loans for critical home repairs in Oklahoma
Wyoming Community Development Authority
Grants and loans for critical home repairs in Wyoming
Alabama Housing Finance Authority
Grants and loans for critical home repairs in Alabama
Colorado Housing and Finance Authority
Grants and loans for critical home repairs in Colorado
Connecticut Housing Finance Authority
Grants and loans for critical home repairs in Connecticut