What Are First-Time Home Buyer Programs?
First-time home buyer programs are designed to make homeownership more accessible. These programs can include:
- Down Payment Assistance (DPA): Grants or low-interest loans to help cover the cost of a down payment.
- Low-Interest Mortgages: Special loan programs with reduced interest rates for first-time buyers.
- Tax Credits: Savings on property taxes or federal tax breaks to lower overall costs.
- Closing Cost Assistance: Financial aid to help cover the expenses of finalizing a home purchase.
State-by-State First-Time Home Buyer Programs
Click on your state to learn more about available programs and eligibility requirements.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
How to Apply for First-Time Home Buyer Assistance
Each state program has its own eligibility requirements. Here are some general steps to get started:
- Check your state’s program details and requirements using the links above.
- Determine your eligibility based on income, credit score, and other criteria.
- Contact a participating lender or housing agency for guidance.
- Gather required documents, such as income verification and credit reports.
- Submit your application and follow through with the home buying process.
Find the Right Real Estate Agent
Buying a home is easier with expert guidance. Seeking Agents® allows you to compare top real estate professionals who compete to represent you. This ensures you get the best service and advice tailored to your home buying needs.