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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

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AZ

Arizona

5 programs available

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AR

Arkansas

5 programs available

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CA

California

6 programs available

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CO

Colorado

5 programs available

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CT

Connecticut

5 programs available

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DE

Delaware

7 programs available

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DC

District of Columbia

6 programs available

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FL

Florida

6 programs available

View programs →
GA

Georgia

5 programs available

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States · H–M

Hawaii through Montana

HI

Hawaii

7 programs available

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ID

Idaho

5 programs available

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IL

Illinois

6 programs available

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IN

Indiana

8 programs available

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IA

Iowa

6 programs available

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KS

Kansas

6 programs available

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KY

Kentucky

6 programs available

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LA

Louisiana

8 programs available

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ME

Maine

7 programs available

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MD

Maryland

8 programs available

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MA

Massachusetts

7 programs available

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MI

Michigan

5 programs available

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MN

Minnesota

7 programs available

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MS

Mississippi

6 programs available

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MO

Missouri

6 programs available

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MT

Montana

6 programs available

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States · N–S

Nebraska through South Dakota

NE

Nebraska

7 programs available

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NV

Nevada

7 programs available

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NH

New Hampshire

6 programs available

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NJ

New Jersey

6 programs available

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NM

New Mexico

7 programs available

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NY

New York

6 programs available

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NC

North Carolina

5 programs available

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ND

North Dakota

8 programs available

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OH

Ohio

5 programs available

View programs →
OK

Oklahoma

7 programs available

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OR

Oregon

7 programs available

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PA

Pennsylvania

6 programs available

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RI

Rhode Island

6 programs available

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SC

South Carolina

6 programs available

View programs →
SD

South Dakota

5 programs available

View programs →

States · T–Z

Tennessee through Wyoming

TN

Tennessee

6 programs available

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TX

Texas

6 programs available

View programs →
UT

Utah

6 programs available

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VT

Vermont

8 programs available

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VA

Virginia

6 programs available

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WA

Washington

5 programs available

View programs →
WV

West Virginia

6 programs available

View programs →
WI

Wisconsin

7 programs available

View programs →
WY

Wyoming

8 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 assistance is only half the equation — the lender you pick determines your rate and fees. See our comparison of the best mortgage lenders for first-time home buyers.

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.