{"metadata":{"version":"2026-10-21-national-v1","as_of":"2026-10-21","coverage":"50 states and District of Columbia; selected agency programs, not every local or specialty program","jurisdictions":51,"program_count":74,"full_eligibility_enabled":false,"ncsha_raw_content_republished":false,"source_policy":"Current official agency pages and documents; NCSHA staging used only for discovery.","limitations":["Published caps are not individual awards. Calculated illustrations are conditional.","No national county-limit or address eligibility validation is claimed.","No automatic stacking or unverified specialty qualification.","Current funding and lender program availability must be confirmed."]},"programs":[{"id":"al-step-up","state":"AL","name":"Step Up","agency":"Alabama Housing Finance Authority","source_url":"https://www.ahfa.com/programs/homeownership/available-programs/step-up","checked_on":"2026-10-21","review_expires_on":"2026-11-20","review_status":"agency_program_terms_reviewed","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"confirm_with_participating_lender","assistance":{"kind":"percentage","rate":0.04,"basis":"purchase_price","cap":10000},"terms":"Repayable 10-year second mortgage paired with an eligible first mortgage; education required.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"],"credit_min":640},{"id":"ak-hop","state":"AK","name":"Home Opportunity Program (HOP)","agency":"Alaska Housing Finance Corporation","source_url":"https://www.ahfc.us/pros/grants/service-assistance-grants/home-opportunity-program","checked_on":"2026-10-21","review_expires_on":"2026-11-20","review_status":"agency_program_terms_reviewed","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"confirm_with_participating_lender","assistance":{"kind":"variable","rate":null,"basis":null,"cap":null},"terms":"Assistance is administered by local nonprofit intermediaries. Contact the local provider for amount, terms and current availability; no new allocating-agency grants are currently available. Local homebuyer funding must be checked.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"]},{"id":"az-home-plus","state":"AZ","name":"HOME Plus","agency":"Arizona Department of Housing","source_url":"https://homeplusaz.com/home-plus-dpa/","checked_on":"2026-10-21","review_expires_on":"2026-11-20","review_status":"agency_program_terms_reviewed","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"confirm_with_participating_lender","assistance":{"kind":"percentage","rate":0.04,"basis":"first_mortgage","cap":null},"terms":"Statewide mortgage assistance with forgivable and non-forgivable options. Lender confirms the applicable product, term and funding. Arizona Is Home is a separate, funding-limited program.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"],"supporting_sources":["https://homeplusaz.com/frequently-asked-questions/"]},{"id":"ar-dpa","state":"AR","name":"ADFA Down Payment Assistance","agency":"Arkansas Development Finance Authority","source_url":"https://adfa.arkansas.gov/programs/homeloans/down-payment-assistance-program/","checked_on":"2026-10-21","review_expires_on":"2026-11-20","review_status":"agency_program_terms_reviewed","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"confirm_with_participating_lender","assistance":{"kind":"maximum","rate":null,"basis":null,"cap":15000},"terms":"Repayable 10-year second mortgage; interest matches the qualifying StartSmart or Move-Up first mortgage. Assistance ranges from $1,000 to $15,000.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"]},{"id":"ca-myhome-government","state":"CA","name":"CalHFA MyHome \u2014 FHA","agency":"California Housing Finance Agency","source_url":"https://www.calhfa.ca.gov/homebuyer/programs/myhome.htm","checked_on":"2026-10-21","review_expires_on":"2026-11-20","review_status":"agency_program_terms_reviewed","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"confirm_with_participating_lender","assistance":{"kind":"percentage","rate":0.035,"basis":"lesser_purchase_appraisal","cap":null},"terms":"Deferred-payment junior loan; lender confirms eligible costs and repayment triggers.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"],"families":["government"],"first_time":true,"loan_product_note":"Government option here means FHA only; VA/USDA are not assumed eligible."},{"id":"ca-myhome-conventional","state":"CA","name":"CalHFA MyHome \u2014 Conventional","agency":"California Housing Finance Agency","source_url":"https://www.calhfa.ca.gov/homebuyer/programs/myhome.htm","checked_on":"2026-10-21","review_expires_on":"2026-11-20","review_status":"agency_program_terms_reviewed","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"confirm_with_participating_lender","assistance":{"kind":"percentage","rate":0.03,"basis":"lesser_purchase_appraisal","cap":null},"terms":"Deferred-payment junior loan; lender confirms eligible costs and repayment triggers.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"],"families":["conventional"],"first_time":true,"loan_product_note":"Requires an eligible CalHFA conventional first mortgage."},{"id":"co-grant","state":"CO","name":"CHFA Down Payment Assistance Grant","agency":"Colorado Housing and Finance Authority","source_url":"https://www.chfainfo.com/homeownership/down-payment-assistance","checked_on":"2026-10-21","review_expires_on":"2026-11-20","review_status":"agency_program_terms_reviewed","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"confirm_with_participating_lender","assistance":{"kind":"percentage","rate":0.03,"basis":"first_mortgage","cap":25000},"terms":"Grant with no repayment; paired with an eligible CHFA first mortgage. Higher first-mortgage rates apply.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"]},{"id":"co-second","state":"CO","name":"CHFA Second Mortgage Assistance","agency":"Colorado Housing and Finance Authority","source_url":"https://www.chfainfo.com/homeownership/down-payment-assistance","checked_on":"2026-10-21","review_expires_on":"2026-11-20","review_status":"agency_program_terms_reviewed","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"confirm_with_participating_lender","assistance":{"kind":"percentage","rate":0.04,"basis":"first_mortgage","cap":25000},"terms":"Deferred second mortgage; due on qualifying sale, refinance, payoff or loss of primary occupancy. Higher first-mortgage rates apply.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"]},{"id":"ct-dap","state":"CT","name":"CHFA Down Payment Assistance Program","agency":"Connecticut Housing Finance Authority","source_url":"https://www.chfa.org/assets/1/19/000_LPO_Bond_Final_Rev_10.5.2026_FINAL1.pdf?15496","checked_on":"2026-10-21","review_expires_on":"2026-11-20","review_status":"agency_program_terms_reviewed","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"confirm_with_participating_lender","assistance":{"kind":"percentage","rate":0.04,"basis":"lesser_purchase_appraisal","cap":15000},"terms":"Repayable 30-year fixed-rate second mortgage; rate is the lesser of the first-mortgage rate or 5%. First-time buyer or targeted-area exception; $3,000 minimum assistance.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"],"first_time":true,"minimum_assistance":3000,"resolved_conflict":"Current October 5, 2026 lender outline page 13 controls over the conflicting 3\u20133.5% wording on the consumer page.","supporting_sources":["https://www.chfa.org/homebuyers-homeowners/homebuyers/downpayment-assistance-program-dap-loan/"]},{"id":"de-dpa-3","state":"DE","name":"DSHA 3% Assistance","agency":"Delaware State Housing Authority","source_url":"https://www.destatehousing.com/homeownership-loans/","checked_on":"2026-10-21","review_expires_on":"2026-11-20","review_status":"agency_program_terms_reviewed","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"confirm_with_participating_lender","assistance":{"kind":"percentage","rate":0.03,"basis":"first_mortgage","cap":null},"terms":"Zero-interest deferred second mortgage; due upon refinance, sale, title transfer or loss of primary occupancy. Paired with eligible DSHA financing.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"]},{"id":"de-dpa-4","state":"DE","name":"DSHA 4% Assistance","agency":"Delaware State Housing Authority","source_url":"https://www.destatehousing.com/homeownership-loans/","checked_on":"2026-10-21","review_expires_on":"2026-11-20","review_status":"agency_program_terms_reviewed","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"confirm_with_participating_lender","assistance":{"kind":"percentage","rate":0.04,"basis":"first_mortgage","cap":null},"terms":"Zero-interest deferred second mortgage; due upon refinance, sale, title transfer or loss of primary occupancy. Paired with eligible DSHA financing.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"]},{"id":"de-dpa-5","state":"DE","name":"DSHA 5% Assistance","agency":"Delaware State Housing Authority","source_url":"https://www.destatehousing.com/homeownership-loans/","checked_on":"2026-10-21","review_expires_on":"2026-11-20","review_status":"agency_program_terms_reviewed","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"confirm_with_participating_lender","assistance":{"kind":"percentage","rate":0.05,"basis":"first_mortgage","cap":null},"terms":"Zero-interest deferred second mortgage; due upon refinance, sale, title transfer or loss of primary occupancy. Paired with eligible DSHA financing.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"]},{"id":"fl-assist","state":"FL","name":"Florida Assist (FL Assist)","agency":"Florida Housing Finance Corporation","source_url":"https://www.floridahousing.org/programs/homebuyer-overview-page","checked_on":"2026-10-21","review_expires_on":"2026-11-20","review_status":"agency_program_terms_reviewed","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"confirm_with_participating_lender","assistance":{"kind":"maximum","rate":null,"basis":null,"cap":10000},"terms":"Non-forgivable, zero-interest deferred second mortgage; repayment due on agency-defined sale, refinance, payoff or occupancy events.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"],"credit_min":640},{"id":"fl-hlp","state":"FL","name":"Florida Homeownership Loan Program","agency":"Florida Housing Finance Corporation","source_url":"https://www.floridahousing.org/programs/homebuyer-overview-page","checked_on":"2026-10-21","review_expires_on":"2026-11-20","review_status":"agency_program_terms_reviewed","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"confirm_with_participating_lender","assistance":{"kind":"maximum","rate":null,"basis":null,"cap":12500},"terms":"Repayable 3% second mortgage with monthly payments; lender verifies qualifying product and remaining balance triggers.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"],"credit_min":640},{"id":"fl-plus","state":"FL","name":"HFA Preferred / HFA Advantage PLUS","agency":"Florida Housing Finance Corporation","source_url":"https://www.floridahousing.org/programs/homebuyer-overview-page","checked_on":"2026-10-21","review_expires_on":"2026-11-20","review_status":"agency_program_terms_reviewed","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"confirm_with_participating_lender","assistance":{"kind":"percentage","rate":0.05,"basis":"first_mortgage","cap":null},"terms":"Conventional paired assistance is forgiven 20% annually over five years if conditions are met; options include 3%, 4% or 5%.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"],"families":["conventional"],"credit_min":640},{"id":"ga-dream-standard","state":"GA","name":"Georgia Dream Standard","agency":"Georgia Department of Community Affairs","source_url":"https://dca.georgia.gov/affordable-housing/home-ownership/georgia-dream-mortgage-products/georgia-dream","checked_on":"2026-10-21","review_expires_on":"2026-11-20","review_status":"agency_program_terms_reviewed","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"confirm_with_participating_lender","assistance":{"kind":"percentage","rate":0.05,"basis":"purchase_price","cap":10000},"terms":"Zero-interest deferred, non-forgivable second mortgage; first-time requirement with documented exceptions.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"],"first_time":true},{"id":"ga-peach-plus","state":"GA","name":"Georgia Dream Peach Plus Standard","agency":"Georgia Department of Community Affairs","source_url":"https://dca.georgia.gov/affordable-housing/home-ownership/georgia-dream-mortgage-products/peach-plus-loan-program/peach","checked_on":"2026-10-21","review_expires_on":"2026-11-20","review_status":"agency_program_terms_reviewed","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"confirm_with_participating_lender","assistance":{"kind":"percentage","rate":0.035,"basis":"purchase_price","cap":10000},"terms":"Zero-interest deferred second mortgage for eligible first-time or repeat buyers; PEN/CHOICE are separate conditional options.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"]},{"id":"hi-homebuyer-resources","state":"HI","name":"HHFDC Homebuyer Programs","agency":"Hawaii Housing Finance and Development Corporation","source_url":"https://dbedt.hawaii.gov/hhfdc/for-homebuyers/","checked_on":"2026-10-21","review_expires_on":"2026-11-20","review_status":"agency_program_terms_reviewed","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"confirm_with_participating_lender","assistance":{"kind":"resource","rate":null,"basis":null,"cap":null},"terms":"HHFDC lists affordable purchase and mortgage programs, including Hale Kama\u02bb\u0101ina and specialized shared-equity options. A general cash down-payment assistance award was not verified; no dollar award is shown.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"],"scope_note":"Program and project eligibility vary. Mortgage financing is not represented as a cash assistance grant."},{"id":"id-dpa","state":"ID","name":"Idaho Housing Down Payment Assistance","agency":"Idaho Housing and Finance Association","source_url":"https://www.idahohousing.com/homebuyers/down-payment-closing-cost-assistance/","checked_on":"2026-10-21","review_expires_on":"2026-11-20","review_status":"agency_program_terms_reviewed","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"confirm_with_participating_lender","assistance":{"kind":"percentage","rate":0.08,"basis":"purchase_price","cap":null},"terms":"Agency advertises assistance up to 8% of sales price through its loan options. Lender must confirm the product combination and repayment/forgiveness terms; $500 minimum borrower investment and education requirements apply.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"],"advertised_terms":"Up to 8% is an overall program ceiling, not an automatic single grant."},{"id":"il-access-home","state":"IL","name":"IHDAccess Home","agency":"Illinois Housing Development Authority","source_url":"https://www.ihda.org/lenders-realtors/lending-programs/","checked_on":"2026-10-21","review_expires_on":"2026-11-20","review_status":"agency_program_terms_reviewed","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"confirm_with_participating_lender","assistance":{"kind":"percentage","rate":0.06,"basis":"purchase_price","cap":15000},"terms":"Interest-free deferred second mortgage; repayment due on sale, refinance or mortgage payoff.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"],"credit_min":640,"first_time":true},{"id":"il-access-forgivable","state":"IL","name":"IHDAccess Forgivable","agency":"Illinois Housing Development Authority","source_url":"https://www.ihda.org/lenders-realtors/lending-programs/","checked_on":"2026-10-21","review_expires_on":"2026-11-20","review_status":"agency_program_terms_reviewed","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"confirm_with_participating_lender","assistance":{"kind":"percentage","rate":0.04,"basis":"purchase_price","cap":6000},"terms":"Second mortgage forgiven monthly over ten years while program conditions are met.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"],"credit_min":640},{"id":"il-access-deferred","state":"IL","name":"IHDAccess Deferred","agency":"Illinois Housing Development Authority","source_url":"https://www.ihda.org/lenders-realtors/lending-programs/","checked_on":"2026-10-21","review_expires_on":"2026-11-20","review_status":"agency_program_terms_reviewed","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"confirm_with_participating_lender","assistance":{"kind":"percentage","rate":0.05,"basis":"purchase_price","cap":7500},"terms":"Interest-free second mortgage deferred until qualifying sale, refinance or payoff.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"],"credit_min":640},{"id":"il-access-repayable","state":"IL","name":"IHDAccess Repayable","agency":"Illinois Housing Development Authority","source_url":"https://www.ihda.org/lenders-realtors/lending-programs/","checked_on":"2026-10-21","review_expires_on":"2026-11-20","review_status":"agency_program_terms_reviewed","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"confirm_with_participating_lender","assistance":{"kind":"percentage","rate":0.1,"basis":"purchase_price","cap":10000},"terms":"Interest-free second mortgage repaid monthly over ten years.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"],"credit_min":640},{"id":"in-next-home","state":"IN","name":"IHCDA Next Home","agency":"Indiana Housing and Community Development Authority","source_url":"https://www.in.gov/ihcda/homebuyers/programs/","checked_on":"2026-10-21","review_expires_on":"2026-11-20","review_status":"agency_program_terms_reviewed","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"confirm_with_participating_lender","assistance":{"kind":"percentage","rate":0.035,"basis":"lesser_purchase_appraisal","cap":null},"terms":"Agency lists 2.5% or 3.5% of purchase price, not exceeding appraisal. Lender determines available product and repayment terms; higher option is used only as a clearly labeled illustration.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"]},{"id":"ia-second-loan","state":"IA","name":"IFA Second Loan","agency":"Iowa Finance Authority","source_url":"https://opportunityiowa.gov/housing/homeownership-programs/down-payment-and-closing-costs-programs","checked_on":"2026-10-21","review_expires_on":"2026-11-02","review_status":"agency_program_terms_reviewed","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"confirm_with_participating_lender","assistance":{"kind":"percentage","rate":0.05,"basis":"lesser_purchase_appraisal","cap":null},"terms":"Deferred repayable second loan; due on sale, refinance or first-mortgage payoff. Current 5% schedule changes November 2, 2026.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"],"credit_min":640,"scheduled_change":"Agency announces a new 3% second mortgage option and updated limits effective November 2, 2026; current illustration automatically stops on that date."},{"id":"ia-grant","state":"IA","name":"IFA Down Payment Grant","agency":"Iowa Finance Authority","source_url":"https://opportunityiowa.gov/housing/homeownership-programs/down-payment-and-closing-costs-programs","checked_on":"2026-10-21","review_expires_on":"2026-11-02","review_status":"agency_program_terms_reviewed","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"confirm_with_participating_lender","assistance":{"kind":"maximum","rate":null,"basis":null,"cap":2500},"terms":"Grant paired with an eligible FirstHome or Homes for Iowans mortgage; eligibility and current amount need lender confirmation. Schedule changes November 2, 2026.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"],"credit_min":640},{"id":"ks-fthb","state":"KS","name":"KHRC First Time Homebuyer","agency":"Kansas Housing Resources Corporation","source_url":"https://kshousingcorp.org/wp-content/uploads/2026/03/FTHB-Fact-Sheet-3-19-26.pdf","checked_on":"2026-10-21","review_expires_on":"2026-11-20","review_status":"agency_program_terms_reviewed","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"confirm_with_participating_lender","assistance":{"kind":"percentage","rate":0.2,"basis":"purchase_price","cap":null},"terms":"0% soft second mortgage of 15% or 20% of purchase price, with ten-year forgiveness conditions. At or below 80% AMI; 1\u201310% own-funds investment.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"],"first_time":true,"geography_note":"Not available in Johnson County or Kansas City, Lawrence, Topeka or Wichita city limits. Address verification is required; statewide ZIP alone is insufficient.","advertised_terms":"20% is the upper published tier; the lower 15% tier and income criteria require lender confirmation."},{"id":"ky-dpa","state":"KY","name":"KHC Down Payment Assistance","agency":"Kentucky Housing Corporation","source_url":"https://www.kyhousing.org/page/down-payment-assistance","checked_on":"2026-10-21","review_expires_on":"2026-11-20","review_status":"agency_program_terms_reviewed","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"confirm_with_participating_lender","assistance":{"kind":"maximum","rate":null,"basis":null,"cap":12500},"terms":"Repayable secondary loan over 15 years; paired with eligible KHC financing.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"]},{"id":"la-homestart","state":"LA","name":"LHC HomeStart Assist","agency":"Louisiana Housing Corporation","source_url":"https://www.lhc.la.gov/homestartassist","checked_on":"2026-10-21","review_expires_on":"2026-11-20","review_status":"agency_program_terms_reviewed","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"confirm_with_participating_lender","assistance":{"kind":"percentage","rate":0.04,"basis":"first_mortgage","cap":null},"terms":"0% second mortgage with conditional full forgiveness after 60 months; geographic income limits and eligible first mortgage apply.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"],"credit_min":640},{"id":"me-advantage","state":"ME","name":"MaineHousing Advantage","agency":"MaineHousing","source_url":"https://www.mainehousing.org/programs-services/homebuyer/first-home-program-faqs","checked_on":"2026-10-21","review_expires_on":"2026-11-20","review_status":"agency_program_terms_reviewed","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"confirm_with_participating_lender","assistance":{"kind":"maximum","rate":null,"basis":null,"cap":5000},"terms":"Closing assistance without a second mortgage or rate add-on; approved homebuyer education and minimum 1% borrower contribution apply.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"]},{"id":"md-flex-6000","state":"MD","name":"MMP Flex 6000","agency":"Maryland Department of Housing and Community Development","source_url":"https://mmp.maryland.gov/home-loans/mmp-flex-loans","checked_on":"2026-10-21","review_expires_on":"2026-11-20","review_status":"agency_program_terms_reviewed","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"confirm_with_participating_lender","assistance":{"kind":"maximum","rate":null,"basis":null,"cap":6000},"terms":"0% deferred second lien due when the first mortgage ends; eligible first-time and repeat homebuyers.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"]},{"id":"md-flex-3","state":"MD","name":"MMP Flex 3%","agency":"Maryland Department of Housing and Community Development","source_url":"https://mmp.maryland.gov/home-loans/mmp-flex-loans","checked_on":"2026-10-21","review_expires_on":"2026-11-20","review_status":"agency_program_terms_reviewed","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"confirm_with_participating_lender","assistance":{"kind":"percentage","rate":0.03,"basis":"first_mortgage","cap":null},"terms":"Zero-interest deferred second lien paired with an eligible MMP first mortgage; no other real property at closing.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"]},{"id":"md-advantage-5","state":"MD","name":"MMP 1st Time Advantage 5%","agency":"Maryland Department of Housing and Community Development","source_url":"https://mmp.maryland.gov/home-loans/mmp-1st-time-advantage","checked_on":"2026-10-21","review_expires_on":"2026-11-20","review_status":"agency_program_terms_reviewed","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"confirm_with_participating_lender","assistance":{"kind":"percentage","rate":0.05,"basis":"first_mortgage","cap":null},"terms":"Zero-interest deferred second lien; first-time buyer or documented program exception.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"],"first_time":true},{"id":"ma-dpa","state":"MA","name":"MassHousing Down Payment Assistance","agency":"MassHousing","source_url":"https://www.masshousing.com/buy-a-home/programs/downpayment-assistance/","checked_on":"2026-10-21","review_expires_on":"2026-11-20","review_status":"agency_program_terms_reviewed","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"confirm_with_participating_lender","assistance":{"kind":"maximum","rate":null,"basis":null,"cap":30000},"terms":"Deferred 0% second mortgage option up to $30,000. Other amortizing options have separate $25,000 caps and payment terms. Income-eligible first-time buyer, primary residence and MassHousing first mortgage required.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"],"first_time":true},{"id":"mi-10k","state":"MI","name":"MI 10K DPA","agency":"Michigan State Housing Development Authority","source_url":"https://www.michigan.gov/mshda/pathway-to-housing/mi-10k-dpa-loan","checked_on":"2026-10-21","review_expires_on":"2026-11-20","review_status":"agency_program_terms_reviewed","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"confirm_with_participating_lender","assistance":{"kind":"maximum","rate":null,"basis":null,"cap":10000},"terms":"Interest-free deferred loan, due upon qualifying payoff, sale, refinance or loss of owner occupancy.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"]},{"id":"mn-dpa","state":"MN","name":"Minnesota Housing Downpayment and Closing Cost Loans","agency":"Minnesota Housing","source_url":"https://mnhousing.gov/lenders-and-partners/homeownership-lender-toolkit","checked_on":"2026-10-21","review_expires_on":"2026-11-20","review_status":"agency_program_terms_reviewed","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"confirm_with_participating_lender","assistance":{"kind":"maximum","rate":null,"basis":null,"cap":18000},"terms":"Agency lists loans up to $18,000 paired with Start Up or Step Up. These are loans, not grants; product-specific income, repayment and targeting criteria require review.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"]},{"id":"ms-trusty10","state":"MS","name":"Trusty10","agency":"Mississippi Home Corporation","source_url":"https://www.mshomecorp.com/trusty10/","checked_on":"2026-10-21","review_expires_on":"2026-11-20","review_status":"agency_program_terms_reviewed","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"confirm_with_participating_lender","assistance":{"kind":"maximum","rate":null,"basis":null,"cap":10000},"terms":"Repayable $10,000 second mortgage at 2% over 15 years; first-time buyer or documented exception and county income limits apply. Trusty10 Plus 2 is a separate funding-limited enhancement.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"],"first_time":true},{"id":"mt-bond-advantage","state":"MT","name":"Bond Advantage","agency":"Montana Board of Housing","source_url":"https://commerce.mt.gov/Housing/Homeownership/Down-Payment-Assistance","checked_on":"2026-10-21","review_expires_on":"2026-11-20","review_status":"agency_program_terms_reviewed","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"confirm_with_participating_lender","assistance":{"kind":"percentage","rate":0.05,"basis":"purchase_price","cap":15000},"terms":"15-year amortizing second loan at the first-mortgage rate; education, 620 score and $1,000 contribution required.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"],"credit_min":620},{"id":"mt-plus-deferred","state":"MT","name":"MBOH Plus 0% Deferred","agency":"Montana Board of Housing","source_url":"https://commerce.mt.gov/Housing/Homeownership/Down-Payment-Assistance","checked_on":"2026-10-21","review_expires_on":"2026-11-20","review_status":"agency_program_terms_reviewed","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"confirm_with_participating_lender","assistance":{"kind":"percentage","rate":0.05,"basis":"purchase_price","cap":15000},"terms":"0% deferred second loan due on sale, transfer, refinance or first-loan payoff. Published household limits: $80,000 (1\u20132) or $90,000 (3+).","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"],"credit_min":620},{"id":"ne-hba","state":"NE","name":"NIFA Homebuyer Assistance","agency":"Nebraska Investment Finance Authority","source_url":"https://www.nifa.org/homebuyers-renters/homebuyer-assistance","checked_on":"2026-10-21","review_expires_on":"2026-11-20","review_status":"agency_program_terms_reviewed","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"confirm_with_participating_lender","assistance":{"kind":"percentage","rate":0.05,"basis":"purchase_price","cap":null},"terms":"Second mortgage repaid over ten years at 1%; paired first mortgage carries a higher rate. First-time buyer rules apply.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"],"first_time":true},{"id":"nv-hip-first-time","state":"NV","name":"Home Is Possible \u2014 First-Time Homebuyers","agency":"Nevada Housing Division","source_url":"https://www.homeispossiblenv.org/home-possible-program","checked_on":"2026-10-21","review_expires_on":"2026-11-20","review_status":"agency_program_terms_reviewed","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"confirm_with_participating_lender","assistance":{"kind":"percentage","rate":0.04,"basis":"first_mortgage","cap":null},"terms":"Interest-free, 30-year non-forgivable second mortgage; county limits and homebuyer education apply.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"],"first_time":true,"credit_min":640,"manufactured_credit_min":660},{"id":"nh-cash-assistance","state":"NH","name":"New Hampshire Housing Cash Assistance","agency":"New Hampshire Housing","source_url":"https://www.nhhousing.org/homeownership/homebuyers/","checked_on":"2026-10-21","review_expires_on":"2026-11-20","review_status":"agency_program_terms_reviewed","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"confirm_with_participating_lender","assistance":{"kind":"maximum","rate":null,"basis":null,"cap":15000},"terms":"Agency offers fixed $5,000, $10,000 or $15,000 assistance with eligible mortgage options. Lender must confirm repayment terms and selected option.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"]},{"id":"nj-dpa","state":"NJ","name":"NJHMFA Down Payment Assistance","agency":"New Jersey Housing and Mortgage Finance Agency","source_url":"https://www.nj.gov/dca/hmfa/homebuyers-and-renters/homebuyers/","checked_on":"2026-10-21","review_expires_on":"2026-11-20","review_status":"agency_program_terms_reviewed","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"confirm_with_participating_lender","assistance":{"kind":"maximum","rate":null,"basis":null,"cap":15000},"terms":"County-dependent award up to $15,000; interest-free, five-year forgivable second loan with no monthly payment, subject to program conditions.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"],"first_time":true,"geography_note":"Amount depends on county. Do not assume the $15,000 tier applies statewide."},{"id":"nm-firstdown","state":"NM","name":"Housing New Mexico FirstDown","agency":"Housing New Mexico","source_url":"https://housingnm.org/uploads/documents/FirstDown_%28NON_FILLABLE%29_10.21.25.pdf","checked_on":"2026-10-21","review_expires_on":"2026-11-20","review_status":"agency_program_terms_reviewed","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"confirm_with_participating_lender","assistance":{"kind":"percentage","rate":0.04,"basis":"purchase_price","cap":null},"terms":"Repayable fixed-rate second mortgage paired with FirstHome; repayment term and rate are lender-confirmed. Uses New Mexico source, not the erroneous North Carolina workbook entry.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"],"first_time":true},{"id":"ny-dpal-plus","state":"NY","name":"SONYMA DPAL PLUS 2026","agency":"State of New York Mortgage Agency / Homes and Community Renewal","source_url":"https://hcr.ny.gov/node/78501","checked_on":"2026-10-21","review_expires_on":"2026-11-20","review_status":"agency_program_terms_reviewed","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"confirm_with_participating_lender","assistance":{"kind":"maximum","rate":null,"basis":null,"cap":30000},"terms":"Limited enhanced assistance for households at or below 60% AMI; applied after other subsidies and until first mortgage reaches 80% LTV. Funding is first-come, first-served.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"],"first_time":true},{"id":"nc-home-advantage","state":"NC","name":"NC Home Advantage Mortgage","agency":"North Carolina Housing Finance Agency","source_url":"https://www.nchfa.com/home-buyers/buy-home","checked_on":"2026-10-21","review_expires_on":"2026-11-20","review_status":"agency_program_terms_reviewed","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"confirm_with_participating_lender","assistance":{"kind":"percentage","rate":0.03,"basis":"first_mortgage","cap":null},"terms":"First-time and move-up buyers may access assistance with eligible financing. Repayment and forgiveness requirements must be confirmed in current program documents.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"]},{"id":"nc-1st-home","state":"NC","name":"NC 1st Home Advantage Down Payment","agency":"North Carolina Housing Finance Agency","source_url":"https://www.nchfa.com/home-buyers/buy-home","checked_on":"2026-10-21","review_expires_on":"2026-11-20","review_status":"agency_program_terms_reviewed","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"confirm_with_participating_lender","assistance":{"kind":"maximum","rate":null,"basis":null,"cap":15000},"terms":"Separate $15,000 option for eligible first-time buyers and military veterans; income, ownership, repayment and program rules still apply.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"],"first_time":true},{"id":"nd-start","state":"ND","name":"NDHFA Start","agency":"North Dakota Housing Finance Agency","source_url":"https://www.ndhfa.org/index.php/homeownership-programs/","checked_on":"2026-10-21","review_expires_on":"2026-11-20","review_status":"agency_program_terms_reviewed","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"confirm_with_participating_lender","assistance":{"kind":"percentage","rate":0.03,"basis":"first_mortgage","cap":null},"terms":"3% closing credit paired with an eligible mortgage. A subordinate lien and repayment period apply; cannot be combined with other DPA.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"]},{"id":"oh-dpa-conventional","state":"OH","name":"OHFA Down Payment Assistance \u2014 Conventional","agency":"Ohio Housing Finance Agency","source_url":"https://www.ohiohome.org/partners/documents/LoanProductsFAQs.pdf","checked_on":"2026-10-21","review_expires_on":"2026-11-20","review_status":"agency_program_terms_reviewed","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"confirm_with_participating_lender","assistance":{"kind":"percentage","rate":0.03,"basis":"purchase_price","cap":null},"terms":"Current agency product FAQ replaces the old 2.5%/5% flyer with 3% conventional assistance. Purchase-price basis confirmed by June 2026 agency article; all first-mortgage and education requirements apply.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"],"families":["conventional"],"supporting_sources":["https://mobile.ohiohome.org/news/blog/june-2026/homeownership-resources.aspx"]},{"id":"oh-dpa-government","state":"OH","name":"OHFA Down Payment Assistance \u2014 Government","agency":"Ohio Housing Finance Agency","source_url":"https://www.ohiohome.org/partners/documents/LoanProductsFAQs.pdf","checked_on":"2026-10-21","review_expires_on":"2026-11-20","review_status":"agency_program_terms_reviewed","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"confirm_with_participating_lender","assistance":{"kind":"percentage","rate":0.035,"basis":"purchase_price","cap":null},"terms":"Current program assistance is 3.5% for government mortgages. Purchase-price basis confirmed by the June 2026 agency article. Lender must confirm current forgiveness and first-mortgage rules.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"],"families":["government"],"supporting_sources":["https://mobile.ohiohome.org/news/blog/june-2026/homeownership-resources.aspx"]},{"id":"ok-dpa","state":"OK","name":"OHFA Homebuyer Assistance","agency":"Oklahoma Housing Finance Agency","source_url":"https://www.ohfa.org/homeownership-faq/","checked_on":"2026-10-21","review_expires_on":"2026-11-20","review_status":"agency_program_terms_reviewed","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"confirm_with_participating_lender","assistance":{"kind":"percentage","rate":0.035,"basis":"first_mortgage","cap":null},"terms":"0% silent second lien; assistance must be repaid on qualifying maturity, payoff, refinance, ownership or occupancy changes.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"]},{"id":"or-partner-dpa","state":"OR","name":"OHCS Partner Down Payment Assistance","agency":"Oregon Housing and Community Services","source_url":"https://www.oregon.gov/ohcs/homeownership/homebuyers/Pages/down-payment-assistance.aspx","checked_on":"2026-10-21","review_expires_on":"2026-11-20","review_status":"agency_program_terms_reviewed","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"confirm_with_participating_lender","assistance":{"kind":"percentage","rate":0.2,"basis":"purchase_price","cap":60000},"terms":"Partner-administered grant or forgivable-lien options for eligible first-time/first-generation buyers at or below 100% AMI; terms, geography and funding depend on provider.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"],"geography_note":"Local organization service area and program capacity must be confirmed."},{"id":"pa-kfit","state":"PA","name":"PHFA K-FIT","agency":"Pennsylvania Housing Finance Agency","source_url":"https://iris.phfa.org/programs/assistance.aspx","checked_on":"2026-10-21","review_expires_on":"2026-11-20","review_status":"agency_program_terms_reviewed","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"confirm_with_participating_lender","assistance":{"kind":"percentage","rate":0.05,"basis":"lesser_purchase_appraisal","cap":null},"terms":"Second mortgage forgiven 10% annually over ten years; paired with an eligible PHFA first mortgage. $50,000 liquid-asset limit and other requirements apply.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"],"credit_min":660},{"id":"pa-keystone-advantage","state":"PA","name":"Keystone Advantage Assistance","agency":"Pennsylvania Housing Finance Agency","source_url":"https://iris.phfa.org/programs/assistance.aspx","checked_on":"2026-10-21","review_expires_on":"2026-11-20","review_status":"agency_program_terms_reviewed","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"confirm_with_participating_lender","assistance":{"kind":"percentage","rate":0.04,"basis":"lesser_purchase_appraisal","cap":6000},"terms":"0% second mortgage with monthly payments over ten years; eligible mortgage, asset limits and minimum assistance apply.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"],"credit_min":660},{"id":"ri-extra","state":"RI","name":"RIHousing Extra Assistance","agency":"RIHousing","source_url":"https://www.rihousing.com/homebuyers/extra-assistance/","checked_on":"2026-10-21","review_expires_on":"2026-11-20","review_status":"agency_program_terms_reviewed","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"confirm_with_participating_lender","assistance":{"kind":"percentage","rate":0.06,"basis":"purchase_price","cap":20000},"terms":"Second mortgage with 15-year term and the same interest rate as the RIHousing first mortgage; first-time buyer and education required.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"],"first_time":true,"credit_min":620},{"id":"sc-homebuyer","state":"SC","name":"SC Housing Homebuyer Forgivable DPA","agency":"South Carolina State Housing Finance and Development Authority","source_url":"https://schousing.sc.gov/sites/schousing/files/Documents/Homebuyers/Training-Material/COMBINED%20TRAINING%2003.2026.pdf","checked_on":"2026-10-21","review_expires_on":"2026-11-20","review_status":"agency_program_terms_reviewed","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"confirm_with_participating_lender","assistance":{"kind":"maximum","rate":null,"basis":null,"cap":10000},"terms":"15-year, 0% no-payment second mortgage with conditional forgiveness. County limits and first-time rules with exceptions apply. Palmetto Heroes is a separate seasonal program and its 2026 round closed in April.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"],"supporting_sources":["https://schousing.sc.gov/blog/front-porch-newsletter-april-2026"]},{"id":"sd-fixed-rate-plus","state":"SD","name":"SDHDA Fixed Rate Plus","agency":"South Dakota Housing","source_url":"https://www.sdhousing.org/ready-to-buy/available-programs/downpayment-assistance","checked_on":"2026-10-21","review_expires_on":"2026-11-20","review_status":"agency_program_terms_reviewed","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"confirm_with_participating_lender","assistance":{"kind":"percentage","rate":0.05,"basis":"first_mortgage","cap":null},"terms":"0% second mortgage at 3% or 5% of the first mortgage; no payments, due on sale or satisfaction.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"]},{"id":"tn-great-choice-deferred","state":"TN","name":"Great Choice Plus \u2014 Deferred","agency":"Tennessee Housing Development Agency","source_url":"https://thda.org/homebuyers/down-payment-assistance/","checked_on":"2026-10-21","review_expires_on":"2026-11-20","review_status":"agency_program_terms_reviewed","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"confirm_with_participating_lender","assistance":{"kind":"maximum","rate":null,"basis":null,"cap":10000},"terms":"Up to $6,000 or $10,000, with amount tier confirmed by lender. 0% second mortgage forgiven at end of ten years; earlier sale/refinance makes full balance due.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"]},{"id":"tn-great-choice-amortizing","state":"TN","name":"Great Choice Plus \u2014 Amortizing","agency":"Tennessee Housing Development Agency","source_url":"https://thda.org/homebuyers/down-payment-assistance/","checked_on":"2026-10-21","review_expires_on":"2026-11-20","review_status":"agency_program_terms_reviewed","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"confirm_with_participating_lender","assistance":{"kind":"percentage","rate":0.05,"basis":"purchase_price","cap":15000},"terms":"30-year second loan at the first-mortgage interest rate; monthly payments required. New-construction option is separate and not assumed here.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"]},{"id":"tx-my-choice","state":"TX","name":"My Choice Texas Home","agency":"Texas Department of Housing and Community Affairs","source_url":"https://welcomehome.tdhca.texas.gov/uploads/My-Choice-Texas-Home-Program-Matrix-IHFA.pdf","checked_on":"2026-10-21","review_expires_on":"2026-11-20","review_status":"agency_program_terms_reviewed","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"confirm_with_participating_lender","assistance":{"kind":"percentage","rate":0.05,"basis":"first_mortgage","cap":null},"terms":"Up to 5% subject to funding and chosen rate/product. Options include a 30-year deferred repayable lien or a three-year conditional forgivable lien. First-time and repeat buyers may apply.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"],"credit_min":620},{"id":"ut-traditional","state":"UT","name":"Utah Housing Traditional DPA","agency":"Utah Housing Corporation","source_url":"https://utahhousingcorp.org/pdf/Form305.pdf","checked_on":"2026-10-21","review_expires_on":"2026-11-20","review_status":"agency_program_terms_reviewed","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"confirm_with_participating_lender","assistance":{"kind":"percentage","rate":0.06,"basis":"first_mortgage","cap":27500},"terms":"30-year amortizing second mortgage; rate is first-mortgage rate plus 1%, capped at 8% and not below first rate. Uses newer Form 305 rather than the superseded Form 211.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"]},{"id":"ut-deferred","state":"UT","name":"Utah Housing Deferred DPA","agency":"Utah Housing Corporation","source_url":"https://utahhousingcorp.org/pdf/Form305.pdf","checked_on":"2026-10-21","review_expires_on":"2026-11-20","review_status":"agency_program_terms_reviewed","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"confirm_with_participating_lender","assistance":{"kind":"percentage","rate":0.035,"basis":"first_mortgage","cap":27500},"terms":"30-year second mortgage with 3.5% deferred interest and no monthly payment; principal plus deferred interest due at maturity, sale or refinance.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"]},{"id":"vt-assist","state":"VT","name":"VHFA ASSIST","agency":"Vermont Housing Finance Agency","source_url":"https://vhfa.org/homebuyers","checked_on":"2026-10-21","review_expires_on":"2026-11-20","review_status":"agency_program_terms_reviewed","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"confirm_with_participating_lender","assistance":{"kind":"maximum","rate":null,"basis":null,"cap":10000},"terms":"0% deferred loan due on sale, refinance or mortgage payoff. Borrower and non-borrowing spouse must never have owned a home, with combined liquid assets below $20,000; MOVE pairing required. Not available with VA loans.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"],"first_time":true,"additional_requirements":["Never-owned requirement is stricter than the survey\u2019s three-year ownership question."]},{"id":"vt-first-generation","state":"VT","name":"VHFA First Generation Homebuyer Grant","agency":"Vermont Housing Finance Agency","source_url":"https://vhfa.org/homebuyers","checked_on":"2026-10-21","review_expires_on":"2026-11-20","review_status":"agency_program_terms_reviewed","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"confirm_with_participating_lender","assistance":{"kind":"maximum","rate":null,"basis":null,"cap":15000},"terms":"Grant for eligible never-owned/first-generation or foster-care borrowers. Additional family-history, asset, spouse and first-mortgage criteria apply.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"],"first_time":true,"additional_requirements":["First-generation/foster-care requirements are not determined by this survey."]},{"id":"va-grant-conventional","state":"VA","name":"Virginia Housing DPA Grant \u2014 Conventional Bond","agency":"Virginia Housing","source_url":"https://s-www.virginiahousing.com/-/media/docs/partners/lenders/guidelines/dpa-grant-program-guidelines-and-procedures.pdf?hash=AF3353AE963541633AC4A90C657E16A1&sc_lang=en","checked_on":"2026-10-21","review_expires_on":"2026-11-20","review_status":"agency_program_terms_reviewed","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"confirm_with_participating_lender","assistance":{"kind":"percentage","rate":0.02,"basis":"lesser_purchase_appraisal","cap":null},"terms":"True grant restricted to down payment, not closing costs; eligible first-time buyer or targeted-area exception and Virginia Housing Bond mortgage required.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"],"first_time":true,"families":["conventional"]},{"id":"va-grant-fha","state":"VA","name":"Virginia Housing DPA Grant \u2014 FHA Bond","agency":"Virginia Housing","source_url":"https://s-www.virginiahousing.com/-/media/docs/partners/lenders/guidelines/dpa-grant-program-guidelines-and-procedures.pdf?hash=AF3353AE963541633AC4A90C657E16A1&sc_lang=en","checked_on":"2026-10-21","review_expires_on":"2026-11-20","review_status":"agency_program_terms_reviewed","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"confirm_with_participating_lender","assistance":{"kind":"percentage","rate":0.025,"basis":"lesser_purchase_appraisal","cap":null},"terms":"True grant restricted to down payment, not closing costs; eligible FHA Bond mortgage required. Government survey answer does not independently establish FHA selection.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"],"first_time":true,"families":["government"],"loan_product_note":"FHA only; government loan family is not enough to establish product eligibility."},{"id":"wa-home-advantage","state":"WA","name":"WSHFC Home Advantage DPA","agency":"Washington State Housing Finance Commission","source_url":"https://heretohome.org/downpayment-assistance/","checked_on":"2026-10-21","review_expires_on":"2026-11-20","review_status":"agency_program_terms_reviewed","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"confirm_with_participating_lender","assistance":{"kind":"percentage","rate":0.05,"basis":"first_mortgage","cap":null},"terms":"0% payment-deferred second mortgage, due on sale, transfer, refinance, occupancy change, payoff or maturity. 3%, 4% or 5% tiers; 5% restricted to conventional/FHA. Income limit $215,000; first-time ownership not required.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"],"loan_product_note":"5% tier requires conventional or FHA; VA/USDA product selection needs lender review.","supporting_sources":["https://heretohome.org/download/61/home-advantage-manuals/23087525/home-advantage-program-manual"]},{"id":"wv-low-down","state":"WV","name":"WVHDF Low Down Home Loan","agency":"West Virginia Housing Development Fund","source_url":"https://www.wvhdf.com/wp-content/uploads/2024/08/Buyer-Paid-Commission-and-Low-Down-Home-Loan-8292024.pdf","checked_on":"2026-10-21","review_expires_on":"2026-11-20","review_status":"agency_program_terms_reviewed","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"confirm_with_participating_lender","assistance":{"kind":"maximum","rate":null,"basis":null,"cap":8000},"terms":"Low-interest repayable second mortgage for down payment/closing costs. Agency updated the maximum to $8,000; lender must confirm current first-mortgage pairing because agency pages differ about Movin\u2019 Up eligibility.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"],"supporting_sources":["https://www.wvhdf.com/a-guide-to-west-virginia-housing-development-fund-mortgage-programs/"]},{"id":"wi-easy-close","state":"WI","name":"WHEDA Easy Close Advantage","agency":"Wisconsin Housing and Economic Development Authority","source_url":"https://www.wheda.com/homeownership-and-renters/home-buyers/available-programs","checked_on":"2026-10-21","review_expires_on":"2026-11-20","review_status":"agency_program_terms_reviewed","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"confirm_with_participating_lender","assistance":{"kind":"percentage","rate":0.06,"basis":"purchase_price","cap":null},"terms":"10-year fixed-rate second mortgage with monthly payments at the first-mortgage rate; minimum $1,000. Applies with eligible conventional/FHA first mortgage. Capital Access is a separate, funding-limited option.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"]},{"id":"wy-homestretch","state":"WY","name":"WCDA Home$tretch DPA","agency":"Wyoming Community Development Authority","source_url":"https://www.wyomingcda.com/homebuyers/","checked_on":"2026-10-21","review_expires_on":"2026-11-20","review_status":"agency_program_terms_reviewed","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"confirm_with_participating_lender","assistance":{"kind":"maximum","rate":null,"basis":null,"cap":15000},"terms":"0% assistance loan with agency APR disclosure; $1,500 minimum borrower contribution. No monthly payment; due on sale, refinance or 30-year maturity. Income/purchase limits and eligible first mortgage still apply.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"],"credit_min":620},{"id":"dc-open-doors-conventional","state":"DC","name":"DC Open Doors \u2014 Conventional DPAL","agency":"District of Columbia Housing Finance Agency","source_url":"https://dchfa.org/lenders/dc-open-doors/","checked_on":"2026-10-21","review_expires_on":"2026-11-20","review_status":"agency_program_terms_reviewed","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"daily_pricing_confirmation_required","assistance":{"kind":"percentage","rate":0.03,"basis":"first_mortgage","cap":null},"terms":"0% deferred second mortgage; due on sale, refinance or loss of primary occupancy. Current daily pricing determines whether assistance can be reserved.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"],"families":["conventional"],"supporting_sources":["https://dchfa.org/lenders/program-notifications/"]},{"id":"dc-open-doors-fha","state":"DC","name":"DC Open Doors \u2014 FHA DPAL","agency":"District of Columbia Housing Finance Agency","source_url":"https://dchfa.org/lenders/program-notifications/","checked_on":"2026-10-21","review_expires_on":"2026-11-20","review_status":"agency_program_terms_reviewed","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"pricing_unavailable_at_last_notice","assistance":{"kind":"percentage","rate":0.035,"basis":"first_mortgage","cap":null},"terms":"3.5% FHA assistance is documented, but the October 16, 2026 rate notice shows N/A. No amount illustration is enabled until pricing availability is confirmed.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"],"families":["government"],"calculation_hold":true},{"id":"mo-first-place","state":"MO","name":"MHDC First Place","agency":"Missouri Housing Development Commission","source_url":"https://mhdc.com/media/iuelfqw5/first-place-operations-manual-2.pdf","checked_on":"2026-10-21","review_expires_on":"2026-11-20","review_status":"selected_preliminary_rules_checked","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"confirm_with_participating_lender","assistance":{"kind":"percentage","rate":0.04,"basis":"first_mortgage","cap":null},"terms":"Conditional ten-year forgivable second mortgage; detailed selected Missouri checks run in the existing Missouri engine.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"]},{"id":"mo-next-step","state":"MO","name":"MHDC Next Step","agency":"Missouri Housing Development Commission","source_url":"https://mhdc.com/media/ealbmlyl/next-step-operations-manual-3.pdf","checked_on":"2026-10-21","review_expires_on":"2026-11-20","review_status":"selected_preliminary_rules_checked","eligibility_validation":"incomplete","full_eligibility_enabled":false,"funding_status":"confirm_with_participating_lender","assistance":{"kind":"percentage","rate":0.04,"basis":"first_mortgage","cap":null},"terms":"Conditional ten-year forgivable second mortgage; detailed selected Missouri checks run in the existing Missouri engine.","remaining_checks":["Current funding and reservation availability","Income definition and county/household income limits","Property address, acquisition limits, appraisal and property eligibility","Mortgage product, borrower contribution, assets and lender underwriting","Homebuyer education, documentation and all program conditions"]}]}