The New Jersey DPA Program helps eligible homebuyers with up to $15,000 for down payment and closing costs through a 0% forgivable second loan.

The NeighborWorks Montana Statewide Low-Mod Loan helps eligible Montana buyers with $2,500 to $20,000 for down payment and closing costs through a repayable second mortgage.

The Nevada Home is Possible Program helps eligible first-time homebuyers with up to 4% of the mortgage amount for down payment and closing costs.

The Nebraska Homebuyer Assistance Program helps eligible first-time buyers with up to 5% of the purchase price for down payment and closing costs through a 1% second mortgage.

The New Hampshire Housing Home First Program helps eligible first-time homebuyers with up to $15,000 for down payment and closing costs through a 0% deferred loan.

The Mississippi Home4All Program helps eligible buyers with up to $25,000 in grant assistance for down payment and closing costs through Mississippi Home Corporation.

The WHEDA Easy Close Down Payment Assistance program helps Wisconsin homebuyers with up to 6% of the purchase price toward down payment and closing costs through a second mortgage.

The West Virginia Low Down Home Loan helps eligible buyers with up to $8,000 toward down payment and closing costs through a low-interest second mortgage from WVHDF.

The Washington Covenant Homeownership Program provides eligible buyers up to $150,000 in forgivable down payment assistance plus closing cost support. Learn how this Washington homebuyer program helps reduce upfront costs.

The VDHCD Homeownership Down Payment Assistance Program helps Virginia buyers with up to $40,000 in forgivable assistance for down payments and closing costs. Learn eligibility requirements and how to apply.

The VHFA Down Payment Assistance (ASSIST) program provides eligible Vermont first-time homebuyers up to $10,000 in deferred loan assistance for down payment and closing costs. Complete homebuyer education and take your first step toward homeownership.

The MSHDA Key to Own Homeownership Program allows Michigan Housing Choice Voucher holders to convert rental assistance into mortgage support. Build equity, complete homebuyer education, and achieve homeownership in Michigan.

The MassHousing Down Payment Assistance program offers eligible Massachusetts buyers up to $30,000 toward down payment and closing costs. Reduce upfront cash requirements with this deferred second mortgage assistance.

The Maryland Flex 3% Loan helps eligible homebuyers reduce upfront purchase costs by providing 3% of the Maryland Mortgage Program first mortgage loan amount toward down payment and closing costs. Offered through the Maryland Department of Housing and Community Development, this deferred loan assistance program helps qualified buyers manage the cash required to purchase a primary residence in Maryland.

The MaineHousing First Home Loan – Advantage is worth highlighting because it provides a fixed $5,000 benefit that does not have to be repaid.

The HOME Investment Partnerships Program – Home Buyer Assistance Program is worth highlighting because it offers grant-based support and is available across Kentucky through local organizations that receive HOME funds.

Connecticut homebuyers face a difficult entry point when savings must cover both a down payment and closing costs. In a statewide market where upfront cash can determine whether a buyer is able to move forward, forgivable down payment assistance can change the timing of a purchase.

Utah homebuyers face a difficult affordability environment because upfront cash remains one of the biggest barriers to purchasing a home. Even when a buyer can qualify for a mortgage payment, down payment and closing cost requirements can delay or prevent a purchase.

Oregon homebuyers face high upfront costs at the same time that affordability remains tight across the state. For many first-time and first-generation buyers, the down payment is the barrier that keeps homeownership out of reach even when monthly income is otherwise stable.

The Iowa Finance Authority FirstHome Down Payment and Closing Costs 2nd Loan is worth highlighting because it offers assistance tied directly to the purchase price or appraised value, with repayment deferred until a major mortgage event occurs.