30Y Mortgage7.24% Gold$3,919.8 Silver$49.59 Platinum$1,422 Palladium$955 BRK.B$556.11 ▲2.51%JPM$340.58 ▲1.05%LLY$1,410.99 ▼0.46%V$425.51 ▲2.88%WMT$127.69 ▲3.38%ORCL$119.22 ▼8.76%MA$658.10 ▲3.15%XOM$179.67 ▼4.05%JNJ$270.56 ▼0.97%TSM$398.63 ▼1.85%BTC$77,615 ▲1.04%ETH$2,284.33 ▲1.60%BNB$696.69 ▲0.11%XRP$1.27 ▲2.02%SOL$93.2 ▲1.80%TRX$0.32 ▲2.09%ZEC$1,203.82 ▲4.51%HYPE$85.17 ▲1.88%XMR$629 ▲3.69%DOGE$0.08 ▲1.76%30Y Mortgage7.24% Gold$3,919.8 Silver$49.59 Platinum$1,422 Palladium$955 BRK.B$556.11 ▲2.51%JPM$340.58 ▲1.05%LLY$1,410.99 ▼0.46%V$425.51 ▲2.88%WMT$127.69 ▲3.38%ORCL$119.22 ▼8.76%MA$658.10 ▲3.15%XOM$179.67 ▼4.05%JNJ$270.56 ▼0.97%TSM$398.63 ▼1.85%BTC$77,615 ▲1.04%ETH$2,284.33 ▲1.60%BNB$696.69 ▲0.11%XRP$1.27 ▲2.02%SOL$93.2 ▲1.80%TRX$0.32 ▲2.09%ZEC$1,203.82 ▲4.51%HYPE$85.17 ▲1.88%XMR$629 ▲3.69%DOGE$0.08 ▲1.76%

First-time homebuyer & down payment assistance programs by state

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Every state has a housing finance agency (HFA) that offers down payment help and lower-rate loans to eligible buyers. For 13 states we summarize specific programs from the agency's official pages (last verified October 17, 2026); for the rest we link the agency so you can check there.

For first-time buyers looking for down payment assistance in their state. Every state's housing finance agency is listed and linked.

Federal loan programs

Beyond state HFA help, many first-time buyers use an FHA, VA or USDA loan. Compare options with a participating lender:

FHA — flexible credit, 3.5% down.

Compare FHA loan options (Affiliate link. We may earn a commission.)

VA — for eligible veterans and service members, often zero down.

Compare VA loan options (Affiliate link. We may earn a commission.)

USDA — for eligible rural areas, often zero down.

Compare USDA loan options (Affiliate link. We may earn a commission.)

Compare first-time buyer loan options (Affiliate link. We may earn a commission.)

StateHousing finance agencyOn our page
AlabamaAlabama Housing Finance AuthorityAgency link
AlaskaAlaska Housing Finance CorporationAgency link
ArizonaArizona Department of HousingAgency link
ArkansasArkansas Development Finance AuthorityProgram details
CaliforniaCalifornia Housing Finance AgencyProgram details
ColoradoColorado Housing and Finance AuthorityProgram details
ConnecticutConnecticut Housing Finance AuthorityAgency link
DelawareDelaware State Housing AuthorityAgency link
District of ColumbiaDistrict of Columbia Housing Finance AgencyAgency link
FloridaFlorida Housing Finance CorporationAgency link
GeorgiaGeorgia Department of Community Affairs/Georgia Housing and Finance AuthorityAgency link
HawaiiHawaiʻi Housing Finance and Development CorporationAgency link
IdahoIdaho Housing and Finance AssociationProgram details
IllinoisIllinois Housing Development AuthorityAgency link
IndianaIndiana Housing and Community Development AuthorityAgency link
IowaIowa Finance AuthorityAgency link
KansasKansas Housing Resources CorporationAgency link
KentuckyKentucky Housing CorporationProgram details
LouisianaLouisiana Housing CorporationAgency link
MaineMaineHousingProgram details
MarylandMaryland Department of Housing and Community DevelopmentAgency link
MassachusettsMassHousingProgram details
MichiganMichigan State Housing Development AuthorityProgram details
MinnesotaMinnesota HousingAgency link
MississippiMississippi Home CorporationAgency link
MissouriMissouri Housing Development CommissionProgram details
MontanaMontana Board of HousingProgram details
NebraskaNebraska Investment Finance AuthorityAgency link
NevadaNevada Housing DivisionAgency link
New HampshireNew Hampshire HousingAgency link
New JerseyNew Jersey Housing and Mortgage Finance AgencyAgency link
New MexicoHousing New MexicoAgency link
New YorkNew York State Homes and Community RenewalAgency link
North CarolinaNorth Carolina Housing Finance AgencyAgency link
North DakotaNorth Dakota Housing Finance AgencyAgency link
OhioOhio Housing Finance AgencyAgency link
OklahomaOklahoma Housing Finance AgencyAgency link
OregonOregon Housing and Community ServicesProgram details
PennsylvaniaPennsylvania Housing Finance AgencyAgency link
Rhode IslandRhode Island HousingProgram details
South CarolinaSouth Carolina State Housing Finance and Development AuthorityAgency link
South DakotaSouth Dakota Housing Development AuthorityAgency link
TennesseeTennessee Housing Development AgencyProgram details
TexasTexas Department of Housing and Community AffairsAgency link
UtahUtah Housing CorporationAgency link
VermontVermont Housing Finance AgencyAgency link
VirginiaVirginia HousingAgency link
WashingtonWashington State Housing Finance CommissionAgency link
West VirginiaWest Virginia Housing Development FundAgency link
WisconsinWisconsin Housing and Economic Development AuthorityAgency link
WyomingWyoming Community Development AuthorityAgency link

Related

Down payment calculatorSee cash needed and monthly paymentHow long to saveMonths to your goal by ZIPCosts by stateTaxes and closing costs

Related guides

First-Time Homebuyer Programs: FHA, VA, USDA, Low-Down Conventional and State HelpA guide to the main loan programs and down payment assistance options for first-time…Closing Costs Explained: What You'll Pay and How to Budget for ItA line-by-line guide to buyer closing costs, from lender fees to transfer taxes, how…How Much Down Payment Do You Really Need?The 20% rule isn't a requirement. Here's what different loan types actually require,…

Updated . Official sources: NCSHA state HFA directory.

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