# Down-payment assistance programs: how the states compare

> State down-payment assistance side by side: typical amounts, percentage caps, forgivable vs repayable help, credit-score minimums and income limits.

URL: https://mortgage-math-us.com/blog/down-payment-assistance-programs/  
Last reviewed: 2026-10-29 · By the MortgageMath US Editorial team

## Quick answer

Half of the state housing agencies with a dollar cap in our data set it between **$10,000 and $18,000**, and the median across those 29 states is $15,000. Where help is a share of the price or loan, the median is 5% — $15,000 on a $300,000 home. A 5% cap is the most common, and 16 of 27 states with a published minimum ask for a credit score of 640. The structure matters as much as the amount: a $10,000 repayable second at 2% adds about $64 a month, while forgivable help costs nothing if you stay long enough.

## Key facts

| Fact | Value | Source | As of |
|---|---|---|---|
| Connecticut CHFA Time To Own, up to | $25,000 | [Connecticut Housing Finance Authority: Time To Own](https://www.chfa.org/TimeToOwn) | Oct 26, 2026 |
| Georgia Dream standard assistance (share of price) | 5% | [Georgia DCA: Georgia Dream](https://dca.georgia.gov/affordable-housing/home-ownership/georgia-dream-mortgage-products/georgia-dream) | Jul 8, 2026 |
| Mississippi Trusty10 second mortgage rate | 2% | [Mississippi Home Corporation: MHC Mortgage Products](https://www.mshomecorp.com/mhc-programs/) | Oct 29, 2026 |
| North Carolina assistance forgiven after | 15 years | [NC Housing Finance Agency: NC 1st Home Advantage Down Payment](https://www.nchfa.com/home-buyers/home-buyer-mortgage-products/nc-1st-home-advantage-down-payment) | Oct 29, 2026 |
| Fannie Mae Community Seconds maximum CLTV | 105% | [Fannie Mae Selling Guide B5-5.1-02](https://selling-guide.fanniemae.com/sel/b5-5.1-02/community-seconds-loan-eligibility) | May 3, 2023 |
| Deferred seconds left out of DTI when deferred at least | 5 years | [Fannie Mae Selling Guide B5-5.1-02](https://selling-guide.fanniemae.com/sel/b5-5.1-02/community-seconds-loan-eligibility) | May 3, 2023 |

## What the state data shows

This comparison uses the statewide programs we track for each state housing finance agency, checked in October 2026 and linked in the sources below (the District of Columbia counts as a state here). The figures are program caps — the most you can get — not typical awards, and city, county and employer programs can add more. For what each type of help is and how to spot a scam, start with the [down-payment grants guide](https://mortgage-math-us.com/first-time-buyers/grants/); for the federal loans these programs sit on top of, see [first-time home buyer programs](https://mortgage-math-us.com/first-time-buyers/programs/).

*State down-payment assistance at a glance (statewide agency programs)*

| Measure | States with a figure | Median | Middle half of states | Full range |
|---|---:|---:|---:|---|
| Dollar caps | 29 | $15,000 | $10,000–$18,000 | $5,000 (Maine) to $202,000 (District of Columbia) |
| Percentage caps | 32 | 5% | 4%–5% | 3% to 20% (Kansas) |
| Forgiveness period | 13 | 10 years | 7 years–10 years | 5 years to 15 years |
| Term of second loans | 12 | 12 years | 10 years–15 years | 10 years to 30 years |
| Minimum credit score | 27 | 640 | 620–640 | 620 to 660 |
| Income limit (dollar figure) | 16 | $152,400 | $135,400–$170,700 | $80,000 (Montana) to $275,400 (District of Columbia) |

Two things stand out. First, amounts cluster tightly: half of the dollar caps sit between $10,000 and $18,000. The median of $15,000 covers an FHA minimum down payment of 3.5% on a home up to about $428,571, against a US median home value of $360,600 — help with the minimum, not with 20% down. Second, the rules that decide whether you qualify — credit score, income and price limits — vary more than the amounts.

## Dollar caps by state

29 states publish a flat dollar cap for at least one statewide program:

*States by the largest dollar cap on statewide down-payment help*

| Cap | States | Which states |
|---|---:|---|
| Up to $10,000 | 8 | [Alabama](https://mortgage-math-us.com/location/alabama/), [Florida](https://mortgage-math-us.com/location/florida/), [Georgia](https://mortgage-math-us.com/location/georgia/), [Maine](https://mortgage-math-us.com/location/maine/), [Michigan](https://mortgage-math-us.com/location/michigan/), [Mississippi](https://mortgage-math-us.com/location/mississippi/), [Pennsylvania](https://mortgage-math-us.com/location/pennsylvania/), [Vermont](https://mortgage-math-us.com/location/vermont/) |
| $10,001–$15,000 | 13 | [Arkansas](https://mortgage-math-us.com/location/arkansas/), [Iowa](https://mortgage-math-us.com/location/iowa/), [Illinois](https://mortgage-math-us.com/location/illinois/), [Kentucky](https://mortgage-math-us.com/location/kentucky/), [Montana](https://mortgage-math-us.com/location/montana/), [North Carolina](https://mortgage-math-us.com/location/north-carolina/), [New Hampshire](https://mortgage-math-us.com/location/new-hampshire/), [New Jersey](https://mortgage-math-us.com/location/new-jersey/), [New York](https://mortgage-math-us.com/location/new-york/), [Rhode Island](https://mortgage-math-us.com/location/rhode-island/), [Tennessee](https://mortgage-math-us.com/location/tennessee/), [West Virginia](https://mortgage-math-us.com/location/west-virginia/), [Wyoming](https://mortgage-math-us.com/location/wyoming/) |
| $15,001–$30,000 | 6 | [Arizona](https://mortgage-math-us.com/location/arizona/), [Colorado](https://mortgage-math-us.com/location/colorado/), [Connecticut](https://mortgage-math-us.com/location/connecticut/), [Massachusetts](https://mortgage-math-us.com/location/massachusetts/), [Minnesota](https://mortgage-math-us.com/location/minnesota/), [Utah](https://mortgage-math-us.com/location/utah/) |
| More than $30,000 | 2 | [District of Columbia](https://mortgage-math-us.com/location/district-of-columbia/), [Oregon](https://mortgage-math-us.com/location/oregon/) |

The two largest caps belong to unusual programs: DC Home Purchase Assistance Program (HPAP) gap financing in the [District of Columbia](https://mortgage-math-us.com/location/district-of-columbia/) ($202,000), and OHCS Down Payment Assistance through local organizations in [Oregon](https://mortgage-math-us.com/location/oregon/) ($60,000). Most other states cap help near the median of $15,000, and several add a larger award for lower incomes, first-generation buyers or certain professions.

## Percentage caps, converted to dollars

32 states set at least one program as a share of the price or loan amount. On a $300,000 home:

*Percentage caps and what they are worth on a $300,000 home*

| Cap | Worth on $300,000 | States | Which states |
|---|---:|---:|---|
| 3% | $9,000 | 4 | [Colorado](https://mortgage-math-us.com/location/colorado/), [North Carolina](https://mortgage-math-us.com/location/north-carolina/), [North Dakota](https://mortgage-math-us.com/location/north-dakota/), [New York](https://mortgage-math-us.com/location/new-york/) |
| 3.5% | $10,500 | 3 | [California](https://mortgage-math-us.com/location/california/), [Ohio](https://mortgage-math-us.com/location/ohio/), [Oklahoma](https://mortgage-math-us.com/location/oklahoma/) |
| 4% | $12,000 | 7 | [Alabama](https://mortgage-math-us.com/location/alabama/), [Arizona](https://mortgage-math-us.com/location/arizona/), [Louisiana](https://mortgage-math-us.com/location/louisiana/), [Missouri](https://mortgage-math-us.com/location/missouri/), [New Mexico](https://mortgage-math-us.com/location/new-mexico/), [Nevada](https://mortgage-math-us.com/location/nevada/), [South Carolina](https://mortgage-math-us.com/location/south-carolina/) |
| 5% | $15,000 | 14 | [Delaware](https://mortgage-math-us.com/location/delaware/), [Florida](https://mortgage-math-us.com/location/florida/), [Georgia](https://mortgage-math-us.com/location/georgia/), [Iowa](https://mortgage-math-us.com/location/iowa/), [Indiana](https://mortgage-math-us.com/location/indiana/), [Maryland](https://mortgage-math-us.com/location/maryland/), [Montana](https://mortgage-math-us.com/location/montana/), [Nebraska](https://mortgage-math-us.com/location/nebraska/), [Oregon](https://mortgage-math-us.com/location/oregon/), [Pennsylvania](https://mortgage-math-us.com/location/pennsylvania/), [South Dakota](https://mortgage-math-us.com/location/south-dakota/), [Tennessee](https://mortgage-math-us.com/location/tennessee/), [Virginia](https://mortgage-math-us.com/location/virginia/), [Washington](https://mortgage-math-us.com/location/washington/) |
| 6% | $18,000 | 2 | [Illinois](https://mortgage-math-us.com/location/illinois/), [Wisconsin](https://mortgage-math-us.com/location/wisconsin/) |
| 8% | $24,000 | 1 | [Idaho](https://mortgage-math-us.com/location/idaho/) |
| 20% | $60,000 | 1 | [Kansas](https://mortgage-math-us.com/location/kansas/) |

Some programs apply the percentage to the loan amount rather than the price, which makes the dollar figure a little lower when you put money down. The outlier is [Kansas](https://mortgage-math-us.com/location/kansas/), where the Kansas Housing First Time Homebuyer 0% forgivable loan goes up to 20%.

## Four structures, and what you owe if you sell

Assistance comes as a grant, a forgivable second loan, a deferred second loan or a repayable second loan. The difference shows up when you sell or refinance. Here is what you would owe under four real program structures from our data:

*Amount still owed if you sell after 2, 5 or 8 years*

| Program and structure | Assistance | After 2 years | After 5 years | After 8 years |
|---|---:|---:|---:|---:|
| Grant — Vermont VHFA First Generation | $15,000 | $0 | $0 | $0 |
| Forgivable — Connecticut CHFA Time To Own | $25,000 | $20,000 | $12,500 | $5,000 |
| Deferred — Florida Assist | $10,000 | $10,000 | $10,000 | $10,000 |
| Repayable — Mississippi Trusty10 | $10,000 | $8,833 | $6,994 | $5,040 |

Among the loans, the forgivable one is the best deal if you stay; the deferred loan is an interest-free debt you carry until you sell or refinance. Forgiveness periods vary widely:

*How long forgivable help takes to be forgiven*

| Forgiven after or over | States | Which states |
|---|---:|---|
| 5 years | 3 | [Florida](https://mortgage-math-us.com/location/florida/), [Louisiana](https://mortgage-math-us.com/location/louisiana/), [New Jersey](https://mortgage-math-us.com/location/new-jersey/) |
| 7 years | 1 | [Ohio](https://mortgage-math-us.com/location/ohio/) |
| 10 years | 7 | [Connecticut](https://mortgage-math-us.com/location/connecticut/), [Illinois](https://mortgage-math-us.com/location/illinois/), [Kansas](https://mortgage-math-us.com/location/kansas/), [Missouri](https://mortgage-math-us.com/location/missouri/), [New York](https://mortgage-math-us.com/location/new-york/), [Pennsylvania](https://mortgage-math-us.com/location/pennsylvania/), [Tennessee](https://mortgage-math-us.com/location/tennessee/) |
| 15 years | 2 | [North Carolina](https://mortgage-math-us.com/location/north-carolina/), [South Carolina](https://mortgage-math-us.com/location/south-carolina/) |

Some programs forgive a share each year, others all at once at the end. If you might move within the period, ask which kind yours is.

## The true cost of a repayable second

Programs with a set monthly repayment in our data include those in [Minnesota](https://mortgage-math-us.com/location/minnesota/), [Mississippi](https://mortgage-math-us.com/location/mississippi/), [Nebraska](https://mortgage-math-us.com/location/nebraska/), [Pennsylvania](https://mortgage-math-us.com/location/pennsylvania/) and [Rhode Island](https://mortgage-math-us.com/location/rhode-island/). Their cost is mostly the monthly payment, not the interest:

> **Worked example: A $10,000 second mortgage at 2% over 15 years (Mississippi Trusty10)**
>
> | | Amount |
> |---|---:|
> | Monthly payment | $64 |
> | Total interest over the term | $1,583 |
> | Added to debt-to-income on $6,000 a month of gross income | 1.1 percentage points |
> | First-mortgage loan that payment could have supported at 7.24% | about $9,443 |

The last line is the hidden cost. If your debt-to-income ratio is already at the lender’s limit, every dollar of second-mortgage payment comes out of the first-mortgage budget. Three repayable programs side by side:

*Repayable assistance: payment and cost*

| Program | Amount | Rate | Term | Payment | Interest | Debt-to-income on $6,000/mo |
|---|---:|---:|---:|---:|---:|---:|
| Mississippi — MHC Trusty10 | $10,000 | 2% | 15 years | $64 | $1,583 | +1.1 pts |
| Nebraska — NIFA second loan (on a $250,000 price) | $12,500 | 1% | 10 years | $110 | $641 | +1.8 pts |
| Pennsylvania — PHFA Keystone Advantage | $6,000 | 0% | 10 years | $50 | $0 | +0.8 pts |

## Credit scores and income limits

Credit minimums are the most uniform rule. Of the 27 states with a published minimum in our data:

*Minimum credit score for state down-payment help*

| Minimum score | States | Which states |
|---|---:|---|
| 620 | 8 | [Delaware](https://mortgage-math-us.com/location/delaware/), [Kentucky](https://mortgage-math-us.com/location/kentucky/), [Montana](https://mortgage-math-us.com/location/montana/), [New Mexico](https://mortgage-math-us.com/location/new-mexico/), [Virginia](https://mortgage-math-us.com/location/virginia/), [Wisconsin](https://mortgage-math-us.com/location/wisconsin/), [West Virginia](https://mortgage-math-us.com/location/west-virginia/), [Wyoming](https://mortgage-math-us.com/location/wyoming/) |
| 640 | 16 | [Alabama](https://mortgage-math-us.com/location/alabama/), [Arkansas](https://mortgage-math-us.com/location/arkansas/), [District of Columbia](https://mortgage-math-us.com/location/district-of-columbia/), [Florida](https://mortgage-math-us.com/location/florida/), [Iowa](https://mortgage-math-us.com/location/iowa/), [Illinois](https://mortgage-math-us.com/location/illinois/), [Louisiana](https://mortgage-math-us.com/location/louisiana/), [Maine](https://mortgage-math-us.com/location/maine/), [Missouri](https://mortgage-math-us.com/location/missouri/), [North Carolina](https://mortgage-math-us.com/location/north-carolina/), [Nevada](https://mortgage-math-us.com/location/nevada/), [Ohio](https://mortgage-math-us.com/location/ohio/), [Oklahoma](https://mortgage-math-us.com/location/oklahoma/), [South Carolina](https://mortgage-math-us.com/location/south-carolina/), [Tennessee](https://mortgage-math-us.com/location/tennessee/), [Vermont](https://mortgage-math-us.com/location/vermont/) |
| 660 | 3 | [Pennsylvania](https://mortgage-math-us.com/location/pennsylvania/), [Rhode Island](https://mortgage-math-us.com/location/rhode-island/), [Utah](https://mortgage-math-us.com/location/utah/) |

Income limits are harder to compare. Most are dollar limits that vary by county and household size; the 16 statewide or headline figures in our data run from $80,000 in [Montana](https://mortgage-math-us.com/location/montana/) to $275,400 in the [District of Columbia](https://mortgage-math-us.com/location/district-of-columbia/). Others are a share of area median income, from 80% to 120%. Check your county’s figure on your state agency’s site — the state pages linked here list each program’s limits.

## How assistance fits with your first mortgage

Assistance is usually a second lien behind your mortgage, so it changes two ratios lenders check. Your [combined loan-to-value](https://mortgage-math-us.com/glossary/combined-loan-to-value/) can exceed 100% with an approved program: Fannie Mae’s Community Seconds allow up to 105% and Freddie Mac’s Home Possible loans up to 105% with Affordable Seconds. And under Fannie Mae’s rules, a Community Seconds loan with payments deferred for at least 5 years stays out of your [debt-to-income ratio](https://mortgage-math-us.com/glossary/debt-to-income-ratio/), while a repayable second’s payment counts in full.

> **Tip: Compare the whole package**
>
> State programs usually pair assistance with the agency’s own first mortgage. Compare its rate and fees with a standard loan without help: a larger award attached to a costlier first mortgage can leave you worse off.

## Comparing offers in your state

**How to compare down-payment assistance offers**

1. **Check eligibility first** — First-time buyer test, income limit for your county and household size, price limit and minimum credit score.
2. **Find the structure** — Grant, forgivable, deferred or repayable, and over how many years forgiveness runs.
3. **Price the monthly cost** — Add any repayable second’s payment to your debt-to-income ratio.
4. **Ask about the first mortgage** — Rate, fees and mortgage insurance on the loan the help is tied to.
5. **Model a sale or refinance** — Work out what you would owe after two, five and eight years.
6. **Use an approved lender** — State programs are offered only through lenders the agency has approved; its website lists them.

Your state’s page — for example [California](https://mortgage-math-us.com/location/california/), [Texas](https://mortgage-math-us.com/location/texas/), [Florida](https://mortgage-math-us.com/location/florida/) or [New York](https://mortgage-math-us.com/location/new-york/) — lists its agency programs, and the [affordability calculator](https://mortgage-math-us.com/tools/affordability-calculator/) shows what the help does to your price range. For how FHA and conventional loans treat the first mortgage, see [FHA vs conventional](https://mortgage-math-us.com/blog/fha-vs-conventional/).

## Frequently asked questions

### How much down-payment assistance can I get?

It depends on your state and program. Across the 29 states in our data with a dollar cap, the median is $15,000 and half of states fall between $10,000 and $18,000. Percentage-based programs have a median of 5% of the price or loan.

### What credit score do I need for state down-payment assistance?

The most common minimum in our data is 640 — 16 of 27 states with a published minimum. The full range runs from 620 to 660, and some programs set a higher score for conventional loans.

### Do I have to pay back down-payment assistance?

It depends on the structure. Grants are not repaid; forgivable loans are forgiven if you stay for the required period — 5 to 15 years in our data; deferred loans are repaid when you sell or refinance; and repayable seconds have a monthly payment.

### Does a repayable assistance loan affect how much house I can afford?

Yes. Its payment counts in your debt-to-income ratio. A $10,000 second at 2% over 15 years costs $64 a month, which at today’s 7.24% average could otherwise support about $9,443 of first-mortgage loan.

### Can I use down-payment assistance if I am not a first-time buyer?

Sometimes. Many programs use the federal test — no home owned in the past 3 years — but some states run separate programs for repeat buyers, such as [Indiana](https://mortgage-math-us.com/location/indiana/) and [Nevada](https://mortgage-math-us.com/location/nevada/) in our data, as long as you meet the income and price limits.

### Do I have to use the state agency’s mortgage to get its assistance?

Usually. Most state programs pair the assistance with the agency’s own first mortgage, made through an approved lender. Compare that loan’s rate and fees with a loan without help.

## Sources

- [MaineHousing: First Home Loan Program](https://www.mainehousing.org/programs-services/homebuyer/homebuyerdetail/first-home-loan-program) — MaineHousing First Home Advantage down payment and closing cost assistance, up to; MaineHousing First Home Loan minimum credit score (Oct 29, 2026)
- [Vermont Housing Finance Agency: Homebuyer Programs](https://vhfa.org/homebuyers) — VHFA ASSIST down payment and closing-cost loan, up to; VHFA minimum credit score (640–680 depending on program), from; VHFA First Generation Homebuyer Grant (Oct 29, 2026)
- [New Hampshire Housing: Mortgage Programs](https://www.nhhousing.org/homeownership/build-your-team/mortgage-programs/) — NH Housing downpayment and closing cost assistance, up to; NH Housing downpayment assistance second mortgage term; NH Housing Home Flex Plus and Home Preferred income limit, up to (Sep 16, 2026)
- [Montana Board of Housing: Down Payment Assistance](https://commerce.mt.gov/Housing/Homeownership/Down-Payment-Assistance) — Montana Board of Housing down payment assistance, up to; Montana Board of Housing down payment assistance, up to (share of the sales price); Montana Board of Housing down payment assistance minimum credit score (all borrowers) (Oct 29, 2026)
- [Minnesota Housing: Buy a Home and Refinance](https://www.mnhousing.gov/home/homeownership/buy-home-refinance) — Minnesota Housing Deferred Payment Loan Plus (Start Up), up to; Minnesota Housing Monthly Payment Loan repayment term; Minnesota Housing Start Up income limit, up to (varies by county) (Oct 29, 2026)
- [IHDA Mortgage: Homebuyer programs](https://www.ihdamortgage.org/homebuyers) — IHDA deferred down payment assistance for first-time buyers, up to; IHDA deferred down payment assistance for first-time buyers, up to (share of the purchase price); IHDA forgivable down payment assistance is forgiven after (Oct 29, 2026)
- [Michigan State Housing Development Authority: MI 10K DPA Loan](https://www.michigan.gov/mshda/pathway-to-housing/mi-10k-dpa-loan) — MSHDA MI 10K DPA loan, up to (Oct 29, 2026)
- [NY Homes and Community Renewal: SONYMA Down Payment Assistance Loan](https://hcr.ny.gov/down-payment-assistance-loan-dpal) — SONYMA Down Payment Assistance Loan (DPAL), up to; SONYMA DPAL, share of the purchase price; SONYMA DPAL is forgiven after (Oct 29, 2026)
- [MassHousing: Down Payment Assistance](https://www.masshousing.com/buy-a-home/programs/downpayment-assistance/) — MassHousing down payment assistance, up to (Oct 29, 2026)
- [Oregon Housing and Community Services: Down Payment Assistance](https://www.oregon.gov/ohcs/homeownership/homebuyers/Pages/down-payment-assistance.aspx) — OHCS Down Payment Assistance through local organizations, up to; OHCS down payment assistance income limit (share of area median income) (Oct 29, 2026)
- [Wyoming Community Development Authority: Homebuyers](https://www.wyomingcda.com/homebuyers/) — WCDA down payment assistance, up to; WCDA down payment assistance minimum credit score (Oct 29, 2026)
- [Iowa Finance Authority bulletin, Sept 17, 2026 (linked from the down payment programs page)](https://t.e2ma.net/message/iojn2j/upsggnsd) — Iowa Finance Authority 5% second loan cap for reservations made on or after Nov 2, 2026 (Sep 17, 2026)
- [PHFA: Purchase Assistance](https://www.phfa.org/programs/assistance.aspx) — PHFA Keystone Advantage Assistance Loan, up to; PHFA Keystone Forgivable in Ten Years (K-FIT), share of the price or appraised value; PHFA K-FIT assistance is forgiven over (Oct 29, 2026)
- [NJHMFA: Homebuyers](https://www.nj.gov/dca/hmfa/homebuyers-and-renters/homebuyers/) — NJHMFA Down Payment Assistance Program, up to (depends on county); NJHMFA down payment assistance is forgiven after (Oct 29, 2026)
- [Connecticut Housing Finance Authority: Time To Own](https://www.chfa.org/TimeToOwn) — CHFA Time To Own forgivable down payment assistance, up to; CHFA Time To Own: fully forgiven after (10% a year) (Oct 26, 2026)
- [RIHousing: 15kDPA](https://www.rihousing.com/homebuyers/15k-dpa/) — RIHousing 15kDPA (0% loan, no monthly payments); RIHousing 15kDPA minimum credit score (Apr 30, 2026)
- [Utah Housing Corporation: First-time Homebuyer Program Assistance (SB 240)](https://utahhousingcorp.org/homebuyer/sb240/) — Utah First-Time Homebuyer Assistance Program (new construction), up to (Oct 29, 2026)
- [CHFA: Down Payment Assistance](https://www.chfainfo.com/homeownership/down-payment-assistance) — CHFA down payment assistance grant or second mortgage, capped at; CHFA Down Payment Assistance Grant, up to (share of the first mortgage) (Oct 29, 2026)
- [Kentucky Housing Corporation: Down Payment Assistance](https://www.kyhousing.org/page/down-payment-assistance) — KHC Down Payment Assistance, up to; KHC Down Payment Assistance repayment term (Oct 29, 2026)
- [West Virginia Housing Development Fund: Low Down Home Loan increase](https://www.wvhdf.com/wp-content/uploads/2026/01/Low-Down-Home-Loan-Increase_WVHDF_1.21.2026.pdf) — WVHDF Low Down Home Loan (down payment and closing-cost assistance), up to; WVHDF Low Down Home Loan term (Jan 22, 2026)
- [Arizona Department of Housing: Programs for Homebuyers](https://housing.az.gov/general-public/programs-homebuyers) — Arizona Is Home down payment assistance (ADOH), buyers at or below 80% of area median income, up to; Arizona Is Home income limit (share of area median income) (Oct 29, 2026)
- [Arkansas Development Finance Authority: Down Payment Assistance Program](https://adfa.arkansas.gov/programs/homeloans/down-payment-assistance-program/) — ADFA Down Payment Assistance Program, up to; ADFA Down Payment Assistance second mortgage term (Sep 11, 2026)
- [Tennessee Housing Development Agency: Down Payment Assistance](https://thda.org/homebuyers/down-payment-assistance/) — THDA Great Choice Plus amortizing assistance, up to; THDA Great Choice Plus amortizing assistance, up to (share of the sales price); THDA Great Choice Plus deferred assistance is forgiven after (Oct 29, 2026)
- [NC Housing Finance Agency: NC 1st Home Advantage Down Payment](https://www.nchfa.com/home-buyers/home-buyer-mortgage-products/nc-1st-home-advantage-down-payment) — NC 1st Home Advantage Down Payment (first-time buyers and military veterans); NCHFA down payment assistance is fully forgiven after (Oct 29, 2026)
- [DC Department of Housing and Community Development: Home Purchase Assistance Program](https://dhcd.dc.gov/service/home-purchase-assistance-program) — DC Home Purchase Assistance Program (HPAP) gap financing, up to; HPAP income limit (share of median family income) (FY2027)
- [Mississippi Home Corporation: MHC Mortgage Products](https://www.mshomecorp.com/mhc-programs/) — MHC Trusty10 second mortgage; MHC Trusty10 second mortgage repayment term; MHC Trusty10 second mortgage interest rate (Oct 29, 2026)
- [Alabama Housing Finance Authority: Step Up](https://www.ahfa.com/programs/homeownership/available-programs/step-up) — AHFA Step Up down payment assistance, up to; AHFA Step Up down payment assistance (share of the sales price); AHFA Step Up second mortgage term (Oct 29, 2026)
- [Georgia DCA: Georgia Dream](https://dca.georgia.gov/affordable-housing/home-ownership/georgia-dream-mortgage-products/georgia-dream) — Georgia Dream down payment assistance (standard), up to; Georgia Dream standard assistance, up to (share of the purchase price); Georgia Dream income limit, Atlanta metro, 1–2 person household (Jul 8, 2026)
- [Florida Housing Finance Corporation: Homebuyer Loan Programs](https://www.floridahousing.org/programs/homebuyer-loan-program-wizards) — Florida Assist (Florida Housing) deferred second mortgage, up to; Florida Housing HFA Preferred/Advantage PLUS second mortgage, up to (share of the loan); Florida Housing HFA PLUS second mortgage forgiven over (20% a year) (Oct 29, 2026)
- [WHEDA: Available Programs](https://www.wheda.com/homeownership-and-renters/home-buyers/available-programs) — WHEDA Easy Close Advantage DPA, up to (share of the purchase price); WHEDA Easy Close Advantage DPA term; WHEDA conventional first mortgage minimum credit score (Oct 29, 2026)
- [Washington State Housing Finance Commission: Home buyers](https://heretohome.org/home-buyers/) — WSHFC Home Advantage down payment assistance, up to (share of the mortgage loan amount); WSHFC Home Advantage household income limit (statewide) (Oct 29, 2026)
- [Idaho Housing and Finance Association: Down payment and closing cost assistance](https://www.idahohousing.com/homebuyers/down-payment-closing-cost-assistance/) — Idaho Housing down payment and closing cost assistance, up to (share of the sales price); Idaho Housing down payment assistance household income limit (Nov 20, 2025)
- [North Dakota Housing Finance Agency: Homeownership](https://www.ndhousing.nd.gov/homeownership) — NDHFA DCA and Start assistance (share of the first mortgage) (Oct 29, 2026)
- [Oregon Housing and Community Services: Flex Lending](https://www.oregon.gov/ohcs/homeownership/homebuyers/Pages/default.aspx) — OHCS Flex Lending FirstHome down payment assistance, up to (share of the loan amount) (Oct 29, 2026)
- [Nevada Housing Division: Home Is Possible for First-Time Homebuyers](https://www.homeispossiblenv.org/home-possible-program) — Home Is Possible for First-Time Homebuyers down payment assistance, up to (share of the loan); Home Is Possible for First-Time Homebuyers minimum credit score (Oct 29, 2026)
- [South Dakota Housing: Downpayment Assistance](https://www.sdhousing.org/ready-to-buy/available-programs/downpayment-assistance) — SD Housing Fixed Rate Plus down payment and closing-cost assistance, up to (share of the loan amount) (Oct 29, 2026)
- [Iowa Finance Authority: Down payment and closing cost programs](https://opportunityiowa.gov/housing/homeownership-programs/down-payment-and-closing-costs-programs) — Iowa Finance Authority FirstHome and Homes for Iowans second loan, up to (share of the lower of sale price or appraised value) (Sep 25, 2026)
- [IHCDA Homeownership Program Guide](https://www.in.gov/ihcda/files/HOD-Universal-Program-Guide-Final%2010.16.26.pdf) — IHCDA First Step down payment assistance (share of the purchase price) (Oct 16, 2026)
- [Ohio Housing Finance Agency: Down Payment Assistance](https://ohiohome.org/partners/fillable/OHFA-DPA_Fillable.pdf) — OHFA down payment assistance, government loans (share of the purchase price); OHFA down payment assistance is forgiven after; OHFA minimum credit score (conventional, USDA and VA loans) (Jul 1, 2025)
- [CalHFA: MyHome Assistance Program](https://www.calhfa.ca.gov/homebuyer/programs/myhome.htm) — CalHFA MyHome Assistance with an FHA loan, up to (share of price or appraised value) (Oct 29, 2026)
- [Nebraska Investment Finance Authority: Homebuyer Assistance](https://www.nifa.org/homebuyers-renters/homebuyer-assistance) — NIFA Homebuyer Assistance second loan, up to (share of the purchase price); NIFA Homebuyer Assistance second loan term; NIFA Homebuyer Assistance second loan interest rate (Oct 26, 2026)
- [Missouri Housing Development Commission: Next Step Learn More](https://mhdc.com/media/wf2onuss/next-step-learn-more_11182025.pdf) — MHDC Next Step cash assistance, forgivable second loan (share of the mortgage); MHDC Next Step cash assistance is fully forgiven after; MHDC Next Step minimum credit score (Oct 29, 2026)
- [Virginia Housing: Plus Second Mortgage](https://www.virginiahousing.com/homebuyers/plus-second-mortgage) — Virginia Housing Plus Second Mortgage, up to (share of the purchase price) (Oct 29, 2026)
- [Maryland Mortgage Program: MMP 1st Time Advantage](https://mmp.maryland.gov/home-loans/mmp-1st-time-advantage) — MMP 1st Time Advantage down payment loan, up to (share of the first mortgage) (Sep 4, 2026)
- [Delaware State Housing Authority: Homeownership Loans](https://www.destatehousing.com/homeownership-loans/) — DSHA Take5 0% second mortgage (share of the first mortgage); DSHA Welcome Home and Open Door minimum credit score; DSHA Welcome Home income limit, New Castle County, 1–2 persons (Sep 23, 2026)
- [Arizona Industrial Development Authority: HOME Plus](https://homeplusaz.com/) — HOME Plus (Arizona IDA) down payment and closing cost assistance, up to (Oct 29, 2026)
- [Housing New Mexico: Programs for Individuals and Families brochure](https://housingnm.org/uploads/documents/%28WEB-READY%29_Programs_for_Individual_and_Families_Brochure_8-25-26.pdf) — Housing New Mexico FirstDown second mortgage, up to (share of the purchase price) (Aug 25, 2026)
- [Kansas Housing Resources Corporation: First Time Homebuyer fact sheet](https://kshousingcorp.org/wp-content/uploads/2026/03/FTHB-Fact-Sheet-3-19-26.pdf) — Kansas Housing First Time Homebuyer 0% forgivable loan, up to (share of the purchase price); Kansas Housing First Time Homebuyer loan is forgiven if you stay in the home; Kansas Housing First Time Homebuyer income limit (share of area median income) (Mar 19, 2026)
- [NC Housing Finance Agency: NC Home Advantage Mortgage](https://www.nchfa.com/home-buyers/buy-home/nc-home-advantage-mortgage) — NC Home Advantage Mortgage down payment assistance, up to (share of the loan amount); NC Home Advantage Mortgage minimum credit score; NC Home Advantage Mortgage income limit (Oct 29, 2026)
- [SC Housing: Palmetto Home Advantage](https://schousing.sc.gov/homebuyers/programs-homebuyers/palmetto-home-advantage) — SC Housing Palmetto Home Advantage forgivable down payment assistance, up to (share of the loan amount); SC Housing Palmetto Home Advantage minimum credit score; SC Housing Palmetto Home Advantage borrower income limit (Oct 29, 2026)
- [Oklahoma Housing Finance Agency: Homebuyers](https://www.ohfa.org/homebuyers/) — OHFA down payment and closing cost assistance (share of the total loan amount) (Oct 29, 2026)
- [Louisiana Housing Corporation: HomeStart Assist](https://www.lhc.la.gov/homestartassist) — LHC HomeStart Assist forgivable second mortgage (share of the first mortgage); LHC HomeStart Assist second mortgage is fully forgiven after; LHC HomeStart Assist minimum credit score (Sep 10, 2026)
- [SC Housing: SC Housing Homebuyer Program](https://schousing.sc.gov/homebuyers/programs-homebuyers/sc-housing-homebuyer-program) — SC Housing Homebuyer Program down payment assistance is forgiven after (Oct 29, 2026)
- [RIHousing: Extra Assistance](https://www.rihousing.com/homebuyers/extra-assistance/) — RIHousing Extra Assistance second mortgage term (Apr 30, 2026)
- [Iowa Finance Authority: FirstHome](https://opportunityiowa.gov/housing/homeownership-programs/firsthome-program) — Iowa Finance Authority FirstHome and Homes for Iowans minimum credit score (Aug 13, 2026)
- [Utah Housing Corporation: Homeownership Programs](https://utahhousingcorp.org/homebuyer/homeownershipprograms/) — Utah Housing FirstHome loan minimum credit score (Oct 29, 2026)
- [Kentucky Housing Corporation: Eligibility](https://www.kyhousing.org/page/eligibility) — KHC minimum credit score, FHA, VA and RHS loans (Oct 29, 2026)
- [West Virginia Housing Development Fund: A guide to WVHDF mortgage programs](https://www.wvhdf.com/a-guide-to-west-virginia-housing-development-fund-mortgage-programs/) — WVHDF mortgage programs: minimum credit score, generally (Oct 29, 2026)
- [Virginia Housing: Home Loans](https://www.virginiahousing.com/homebuyers/home-loans) — Virginia Housing FHA, VA and USDA loans: credit scores as low as (Oct 29, 2026)
- [Housing New Mexico: Mortgage Programs](https://housingnm.org/individuals-and-families/homebuyers/mortgage-programs) — Housing New Mexico mortgage programs minimum credit score (Oct 29, 2026)
- [Arkansas Development Finance Authority: StartSmart First-Time Home Buyer Program](https://adfa.arkansas.gov/programs/homeloans/startsmart-first-time-home-buyer-program/) — ADFA minimum credit score (StartSmart and Move-Up) (Jul 28, 2026)
- [Tennessee Housing Development Agency: Great Choice Home Loan](https://thda.org/homebuyers/first-time-homebuyers/) — THDA Great Choice Home Loan minimum credit score (every borrower) (Oct 29, 2026)
- [DC Housing Finance Agency: DC Open Doors](https://dchfa.org/homeownership/dc-open-doors/) — DCHFA DC Open Doors minimum credit score; DCHFA DC Open Doors income limit (Dec 4, 2025)
- [Oklahoma Housing Finance Agency: Homeownership FAQ](https://www.ohfa.org/homeownership-faq/) — OHFA homebuyer programs minimum credit score; OHFA homebuyer income limit (DREAM program, government loans, statewide) (Oct 29, 2026)
- [North Dakota Housing Finance Agency: Income and purchase price limits](https://www.ndhousing.nd.gov/income-and-purchase-price-limits) — NDHFA FirstHome and HomeAccess income limit, households of one or two (Jun 15, 2026)
- [RIHousing: Homebuyers](https://www.rihousing.com/homebuyers/) — RIHousing Loan Center income limit, Providence area, households of one or two (Oct 29, 2026)
- [Arkansas Development Finance Authority: Move-Up Loan Program](https://adfa.arkansas.gov/programs/homeloans/move-up-loan-program) — ADFA Move-Up qualifying income limit (Jul 28, 2026)
- [HHFDC: Hale Kamaʻāina eligibility, income and purchase price requirements](https://dbedt.hawaii.gov/hhfdc/hale-kama%ca%bbaina-mortgage-program-eligibility-income-and-purchase-price-requirements/) — Hale Kamaʻāina income limit, Honolulu County, 1–2 person household (non-targeted) (Jun 13, 2026)
- [Freddie Mac Primary Mortgage Market Survey](https://www.freddiemac.com/pmms) — 30-year fixed rate, national weekly average (Week of Oct 29, 2026)
- [Fannie Mae Selling Guide B5-5.1-02](https://selling-guide.fanniemae.com/sel/b5-5.1-02/community-seconds-loan-eligibility) — Community Seconds payments deferred at least this long are left out of the debt-to-income ratio; Fannie Mae Community Seconds maximum combined LTV (May 3, 2023)
- [Nevada Housing Division: Home Is Possible](https://www.homeispossiblenv.org/) — Home Is Possible (buyers who are not first-time) assistance, up to (share of the loan) (Oct 29, 2026)
- [IHCDA: Homeownership programs](https://www.in.gov/ihcda/homebuyers/programs) — IHCDA Next Home down payment assistance, up to (share of the lesser of price or appraised value) (Oct 16, 2026)
- [CFPB](https://www.consumerfinance.gov/owning-a-home/prepare/figure-out-how-much-you-want-to-spend/) — Minimum FHA down payment (Oct 28, 2026)
- [US Census Bureau, American Community Survey 2024 1-year](https://data.census.gov/table/ACSDT1Y2024.B25077?g=010XX00US) — Median value of owner-occupied homes (2024 ACS 1-year)
- [Freddie Mac Home Possible fact sheet](https://sf.freddiemac.com/docs/pdf/fact-sheet/home_possible_factsheet.pdf) — Freddie Mac Home Possible maximum TLTV with Affordable Seconds (Feb 1, 2026)
- [42 U.S.C. 12704(14)](https://www.law.cornell.edu/uscode/text/42/12704) — First-time homebuyer: has not owned a home in the past (HUD/HOME statute) (Oct 28, 2026)
- [CFPB: Where can I get money for a down payment on a home?](https://www.consumerfinance.gov/ask-cfpb/where-can-i-get-money-for-a-down-payment-on-a-home-en-123/)
- [Fannie Mae Selling Guide B5-5.1-02, Community Seconds](https://selling-guide.fanniemae.com/sel/b5-5.1-02/community-seconds-loan-eligibility)

_General information, not financial advice._