各州首次购房者与首付援助计划
部分链接为联盟链接；我们可能获得佣金，您无需支付额外费用。
每个州都有一家住房金融机构（HFA），为符合条件的购房者提供首付援助和低利率贷款。对于 13 个州，我们根据该机构的官方页面整理了具体计划（最近核实：2026年10月17日）；其余各州我们提供机构链接，方便您前往查询。
适合在本州寻找首付援助的首次购房者。列出并链接了每个州的住房金融机构。
联邦贷款计划
除了州住房融资机构的帮助外，许多首次购房者会使用 FHA、VA 或 USDA 贷款。与参与贷款机构比较选项：
FHA — flexible credit, 3.5% down.
比较 FHA 贷款选项 （联盟链接。我们可能获得佣金。）
VA — for eligible veterans and service members, often zero down.
比较 VA 贷款选项 （联盟链接。我们可能获得佣金。）
USDA — for eligible rural areas, often zero down.
比较 USDA 贷款选项 （联盟链接。我们可能获得佣金。）
比较首次购房者贷款选项 （联盟链接。我们可能获得佣金。）
| 州 | 住房金融机构 | 本站页面 |
|---|---|---|
| Alabama | Alabama Housing Finance Authority | 机构链接 |
| Alaska | Alaska Housing Finance Corporation | 机构链接 |
| Arizona | Arizona Department of Housing | 机构链接 |
| Arkansas | Arkansas Development Finance Authority | 计划详情 |
| California | California Housing Finance Agency | 计划详情 |
| Colorado | Colorado Housing and Finance Authority | 计划详情 |
| Connecticut | Connecticut Housing Finance Authority | 机构链接 |
| Delaware | Delaware State Housing Authority | 机构链接 |
| District of Columbia | District of Columbia Housing Finance Agency | 机构链接 |
| Florida | Florida Housing Finance Corporation | 机构链接 |
| Georgia | Georgia Department of Community Affairs/Georgia Housing and Finance Authority | 机构链接 |
| Hawaii | Hawaiʻi Housing Finance and Development Corporation | 机构链接 |
| Idaho | Idaho Housing and Finance Association | 计划详情 |
| Illinois | Illinois Housing Development Authority | 机构链接 |
| Indiana | Indiana Housing and Community Development Authority | 机构链接 |
| Iowa | Iowa Finance Authority | 机构链接 |
| Kansas | Kansas Housing Resources Corporation | 机构链接 |
| Kentucky | Kentucky Housing Corporation | 计划详情 |
| Louisiana | Louisiana Housing Corporation | 机构链接 |
| Maine | MaineHousing | 计划详情 |
| Maryland | Maryland Department of Housing and Community Development | 机构链接 |
| Massachusetts | MassHousing | 计划详情 |
| Michigan | Michigan State Housing Development Authority | 计划详情 |
| Minnesota | Minnesota Housing | 机构链接 |
| Mississippi | Mississippi Home Corporation | 机构链接 |
| Missouri | Missouri Housing Development Commission | 计划详情 |
| Montana | Montana Board of Housing | 计划详情 |
| Nebraska | Nebraska Investment Finance Authority | 机构链接 |
| Nevada | Nevada Housing Division | 机构链接 |
| New Hampshire | New Hampshire Housing | 机构链接 |
| New Jersey | New Jersey Housing and Mortgage Finance Agency | 机构链接 |
| New Mexico | Housing New Mexico | 机构链接 |
| New York | New York State Homes and Community Renewal | 机构链接 |
| North Carolina | North Carolina Housing Finance Agency | 机构链接 |
| North Dakota | North Dakota Housing Finance Agency | 机构链接 |
| Ohio | Ohio Housing Finance Agency | 机构链接 |
| Oklahoma | Oklahoma Housing Finance Agency | 机构链接 |
| Oregon | Oregon Housing and Community Services | 计划详情 |
| Pennsylvania | Pennsylvania Housing Finance Agency | 机构链接 |
| Rhode Island | Rhode Island Housing | 计划详情 |
| South Carolina | South Carolina State Housing Finance and Development Authority | 机构链接 |
| South Dakota | South Dakota Housing Development Authority | 机构链接 |
| Tennessee | Tennessee Housing Development Agency | 计划详情 |
| Texas | Texas Department of Housing and Community Affairs | 机构链接 |
| Utah | Utah Housing Corporation | 机构链接 |
| Vermont | Vermont Housing Finance Agency | 机构链接 |
| Virginia | Virginia Housing | 机构链接 |
| Washington | Washington State Housing Finance Commission | 机构链接 |
| West Virginia | West Virginia Housing Development Fund | 机构链接 |
| Wisconsin | Wisconsin Housing and Economic Development Authority | 机构链接 |
| Wyoming | Wyoming Community Development Authority | 机构链接 |
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更新于 。官方来源：NCSHA state HFA directory。
免费每周邮件（英文）
每周的房贷利率、房价和储蓄建议。
一封简短的邮件，包含本周利率变化、本地房价趋势和增加首付的计划。可随时退订。邮件以英文发送。