Topic Index

Down Payment Assistance by State (2026)

Every state has at least one Housing Finance Agency running down payment assistance programs — grants, forgivable loans, or deferred second mortgages that reduce cash-to-close without raising your monthly payment. The amounts range from $5,000 in some states to $100,000+ in high-cost metro programs like NYC's HomeFirst. Income limits, purchase price caps, and stacking rules differ by state. Select yours for the current primary DPA program terms, directly from the administering agency.

Program data sourced directly from state Housing Finance Agency official pages. Terms, income limits, and availability change — always verify current details at the linked agency URL before applying.