First-time home buyers
First-time buyer programs, by state
Every state has a housing finance agency with down-payment help. And you need far less down than you think.
0% down
VA and USDA loans, for eligible buyers
3% down
Conventional loans (HomeReady, Home Possible)
3.5% down
FHA loans
First-time home buyers
Your first home, with less cash than you think
Three levers lower what you bring to closing. Then pick your state for the details.
1
State assistance
Your state agency offers down-payment and closing-cost help.
2
Low down payment
As little as 3% down, or 0% with VA and USDA.
3
Stack a rebate
Where legal, get about 2% of the price back at closing.
Find your state's program
Alabama3% ≈ $8,970Alabama Housing Finance AuthorityAlaska3% ≈ $11,997Alaska Housing Finance CorporationArizona3% ≈ $13,569Arizona Department of HousingArkansas3% ≈ $8,109Arkansas Development Finance AuthorityCalifornia3% ≈ $25,620California Housing Finance Agency (CalHFA)Colorado3% ≈ $18,138Colorado Housing and Finance Authority (CHFA)Connecticut3% ≈ $13,353Connecticut Housing Finance Authority (CHFA)Delaware3% ≈ $10,986Delaware State Housing AuthorityDistrict of Columbia3% ≈ $20,295District of Columbia Housing Finance Agency (DCHFA)Florida3% ≈ $12,504Florida Housing Finance CorporationGeorgia3% ≈ $11,211Georgia Department of Community AffairsHawaii3% ≈ $23,202Hawaii Housing Finance and Development CorporationIdaho3% ≈ $14,289Idaho Housing and Finance AssociationIllinois3% ≈ $9,426Illinois Housing Development Authority (IHDA)Indiana3% ≈ $8,196Indiana Housing and Community Development AuthorityIowa3% ≈ $7,521Iowa Finance AuthorityKansas3% ≈ $9,069Kansas Housing Resources CorporationKentucky3% ≈ $8,316Kentucky Housing CorporationLouisiana3% ≈ $7,809Louisiana Housing CorporationMaine3% ≈ $11,712MaineHousingMaryland3% ≈ $13,407Maryland Department of Housing and Community DevelopmentMassachusetts3% ≈ $19,362MassHousingMichigan3% ≈ $8,091Michigan State Housing Development Authority (MSHDA)Minnesota3% ≈ $10,635Minnesota HousingMississippi3% ≈ $7,956Mississippi Home CorporationMissouri3% ≈ $8,442Missouri Housing Development CommissionMontana3% ≈ $15,168Montana Board of HousingNebraska3% ≈ $9,201Nebraska Investment Finance Authority (NIFA)Nevada3% ≈ $14,067Nevada Housing DivisionNew Hampshire3% ≈ $15,006New Hampshire HousingNew Jersey3% ≈ $16,359New Jersey Housing and Mortgage Finance Agency (NJHMFA)New Mexico3% ≈ $11,349Housing New MexicoNew York3% ≈ $17,877New York State Homes and Community Renewal (HCR)North Carolina3% ≈ $11,451North Carolina Housing Finance AgencyNorth Dakota3% ≈ $9,315North Dakota Housing Finance AgencyOhio3% ≈ $7,887Ohio Housing Finance Agency (OHFA)Oklahoma3% ≈ $7,701Oklahoma Housing Finance Agency (OHFA)Oregon3% ≈ $15,243Oregon Housing and Community ServicesPennsylvania3% ≈ $9,255Pennsylvania Housing Finance Agency (PHFA)Rhode Island3% ≈ $16,053RIHousingSouth Carolina3% ≈ $11,928South Carolina State Housing Finance and Development AuthoritySouth Dakota3% ≈ $9,555South Dakota Housing Development AuthorityTennessee3% ≈ $11,763Tennessee Housing Development Agency (THDA)Texas3% ≈ $10,254Texas Department of Housing and Community Affairs (TDHCA)Utah3% ≈ $17,259Utah Housing CorporationVermont3% ≈ $13,152Vermont Housing Finance Agency (VHFA)Virginia3% ≈ $13,872Virginia HousingWashington3% ≈ $19,329Washington State Housing Finance CommissionWest Virginia3% ≈ $7,599West Virginia Housing Development FundWisconsin3% ≈ $10,146Wisconsin Housing and Economic Development Authority (WHEDA)Wyoming3% ≈ $13,209Wyoming Community Development Authority