The Arizona Department of Housing HOME Plus Program is worth highlighting because it directly targets that upfront cost problem. It provides down payment assistance and closing cost assistance that can help eligible buyers reduce the amount of cash needed at closing.

The ADFA Down Payment Assistance Program provides financial assistance specifically designed to lower the cash required at closing.

For many homebuyers across Delaware, qualifying for a mortgage isn’t the hardest part of buying a home.

The First Step Program from the Indiana Housing and Community Development Authority helps solve that problem by offering flexible loan options.

For many homebuyers across Alabama, qualifying for a mortgage isn’t the hardest part of buying a home, it’s coming up with the cash needed for the down payment and closing costs.

For many homebuyers across Idaho, qualifying for a mortgage isn’t the hardest part of buying a home.

The Boothbay Regional Development Corporation Cedar Bend Program offers access to newly constructed homes priced below market value.

Kansas remains relatively affordable compared to coastal markets, but upfront costs continue to block entry for many buyers.

Home prices that are rising and upfront cash requirements continue to create barriers to homeownership in Columbia and across Richland County.

The Peach Plus Loan Program from the Georgia Department of Community Affairs was created to help solve that exact problem.

For many homebuyers across Illinois, qualifying for a mortgage isn’t the hardest part of buying a home; it’s coming up with the cash needed for the down payment and closing costs.

California is one of the most dynamic and economically powerful states in the nation, home to world-leading industries, diverse communities.

However, like in many other states, for first-time homebuyers in Minnesota, the biggest hurdle is simply covering the down payment and closing costs. The Minnesota Housing Deferred Payment Loan (DPL) program helps bridge that gap by providing zero-interest loans that don’t require repayment until after the first mortgage is paid off.