Featured states
Texas
Statewide DPA programs and local options
California
Statewide DPA programs and local options
Florida
Statewide DPA programs and local options
Colorado
Statewide DPA programs and local options
Nevada
Statewide DPA programs and local options
North Carolina
Statewide DPA programs and local options
Michigan
Statewide DPA programs and local options
Maryland
Statewide DPA programs and local options
Minnesota
Statewide DPA programs and local options
How state programs work
Every state has a housing finance agency that offers first-mortgage programs and assistance for eligible buyers. Many large cities and counties run their own programs on top of the state options, and some can be combined. Each program sets its own income limits, purchase price limits, credit requirements, and funding rules — and must usually be used with a participating lender.
Don't overlook local programs
City and county programs can be some of the most generous available, but they often have limited funding and specific geographic boundaries. Ask your lender to check both statewide and local options for the address you're buying.