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§ Guides · Housing

First-time homebuyer programs by state.

Every state offers programs to help first-time buyers with down payments, closing costs, and favorable loan terms. Find yours.

51
State guides
3
Federal options everywhere

States · A–G

Alabama through Georgia

AL

Alabama

5 programs available

View programs →
AK

Alaska

5 programs available

View programs →
AZ

Arizona

5 programs available

View programs →
AR

Arkansas

5 programs available

View programs →
CA

California

6 programs available

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CO

Colorado

5 programs available

View programs →
CT

Connecticut

5 programs available

View programs →
DE

Delaware

5 programs available

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DC

District of Columbia

5 programs available

View programs →
FL

Florida

5 programs available

View programs →
GA

Georgia

5 programs available

View programs →

States · H–M

Hawaii through Montana

HI

Hawaii

5 programs available

View programs →
ID

Idaho

5 programs available

View programs →
IL

Illinois

5 programs available

View programs →
IN

Indiana

5 programs available

View programs →
IA

Iowa

5 programs available

View programs →
KS

Kansas

5 programs available

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KY

Kentucky

5 programs available

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LA

Louisiana

5 programs available

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ME

Maine

5 programs available

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MD

Maryland

5 programs available

View programs →
MA

Massachusetts

5 programs available

View programs →
MI

Michigan

5 programs available

View programs →
MN

Minnesota

5 programs available

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MS

Mississippi

5 programs available

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MO

Missouri

5 programs available

View programs →
MT

Montana

5 programs available

View programs →

States · N–S

Nebraska through South Dakota

NE

Nebraska

5 programs available

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NV

Nevada

5 programs available

View programs →
NH

New Hampshire

5 programs available

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NJ

New Jersey

5 programs available

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NM

New Mexico

5 programs available

View programs →
NY

New York

5 programs available

View programs →
NC

North Carolina

5 programs available

View programs →
ND

North Dakota

5 programs available

View programs →
OH

Ohio

5 programs available

View programs →
OK

Oklahoma

5 programs available

View programs →
OR

Oregon

5 programs available

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PA

Pennsylvania

5 programs available

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RI

Rhode Island

5 programs available

View programs →
SC

South Carolina

5 programs available

View programs →
SD

South Dakota

5 programs available

View programs →

States · T–Z

Tennessee through Wyoming

TN

Tennessee

5 programs available

View programs →
TX

Texas

5 programs available

View programs →
UT

Utah

5 programs available

View programs →
VT

Vermont

5 programs available

View programs →
VA

Virginia

5 programs available

View programs →
WA

Washington

5 programs available

View programs →
WV

West Virginia

5 programs available

View programs →
WI

Wisconsin

5 programs available

View programs →
WY

Wyoming

5 programs available

View programs →

Available everywhere

Federal programs available in every state

These federal programs are available in all states in addition to state-specific programs:

FHA Loans

3.5% down, lower credit requirements

VA Loans

0% down for veterans and service members

USDA Loans

0% down in eligible rural areas

Program details are based on publicly available information and may change. Verify eligibility and current terms directly with the administering agency. This is not financial advice.