All Maryland Counties ‐ MMP 1st Time Advantage Direct
All Maryland Counties ‐ MMP 1st Time Advantage 6000
All Maryland Counties ‐ MMP 1st Time Advantage 3%
All Maryland Counties ‐ MMP 1st Time Advantage 4%
All Maryland Counties ‐ MMP HomeStart
All Maryland Counties ‐ MMP Maryland SmartBuy 3.0
All Maryland Counties ‐ MMP Flex Direct
All Maryland Counties ‐ MMP Flex 6000
All Maryland Counties ‐ MMP Flex 3%
All Maryland Counties ‐ MMP House Keys 4 Employees & Smart Keys 4 Employees
Baltimore City ‐ Baybrook Boost
Baltimore City ‐ Buying Into Baltimore
Baltimore City ‐ Employee Homeownership Program
Baltimore City ‐ First‐Time Homebuyers Incentive Program
Baltimore City ‐ Live Near Your Work
Baltimore City ‐ Project Reinvest (NHS Baltimore)
Baltimore City ‐ Vacants to Value
Baltimore County - SELP
College Park City ‐ University Partnership
DC Employer Assisted Housing Program (EAHP)
DC Home Purchase Assistance Program (HPAP)
DC Open Doors
Federal Home Loan Bank (FHLB)
First Home Advantage
First Home Dream
First Home Heroes
Frederick County Homebuyer Assistance Program (HAP)
Gaithersburg Homeownership Assistance Loan Program GHALP FUNDS
Greenbelt Home Advantage (MMP)
Homeowner's Property Tax Credit
Howard County ‐ HomeStarter Loan
Howard County ‐ HomeSteader Loan
Howard County ‐ DreamMakerLoan
Montgomery County ‐ Housing & Community Initiatives, Inc. R.E.A.C.H. Program
Montgomery County Housing Opportunities Commission Program
Montgomery County Homeownership Assistance Funds Program ‐ McHAF
Montgomery County Homeownership Program VIII (MMP)
Montgomery Employee Down Payment Assistance Loan (MEDPAL) through MMP
Prince George's County Pathway To Purchase Program
USDA
HomeAbility is a special product designed to assist Maryland homebuyers with disabilities
Alabama (AHFA) — Offers grants/second-mortgage DPA that can be deferred or repaid; often requires homebuyer education.
Alaska (AHFC) — AHFC partners and nonprofit intermediaries provide DPA for qualified borrowers, often deferred second loans or matched grants.
Arizona (Home Plus / Arizona Is Home) — State and local DPA options; some programs offer up to several percent of purchase price or targeted larger grants for income-eligible first-time buyers.
Arkansas (ADFA) — Second-mortgage DPA (typically $1k–$15k) to help with down payment and closing costs; often a 10-year term.
California (CalHFA MyHome) — Deferred junior loans up to a percentage (e.g., 3–3.5%) or fixed amounts; often available with first mortgage through approved lenders.
Colorado (CHFA) — DPA grants or low-interest second loans up to several thousand dollars; available with CHFA first mortgage.
7. Connecticut (CHFA) — “Time To Own” and other programs provide forgivable or deferred DPA loans for first-time buyers and targeted area purchasers.
Delaware (DSHA) — First State DPA often provides a deferred second loan (e.g., ~3% of loan amount) to cover down payment/closing costs.
Florida (Florida Housing) — Statewide HFA programs plus local DPA options; structure ranges from forgivable grants to deferred seconds.
Georgia (Georgia Dream) — Offers DPA as subordinate loans or grants for eligible buyers, often income-targeted.
Hawaii (HHFDC) — DPA for low-to-moderate income buyers, sometimes forgivable or deferred subordinate loans.
Idaho (IHFA) — DPA options may include second loans or matching grants paired with IHFA first mortgages.
Illinois (IHDA) — Offers several DPA products (grants or loans), frequently layered with IHDA first-mortgage programs.
Indiana (IHCDA) — DPA typically available as deferred 2nd mortgages or forgivable assistance with income limits.
Iowa (IFA) — Down payment and closing cost assistance available to first-time buyers via grants or second loans.
16. Kansas (KHRC) — State DPA offerings typically include subordinate loans or grants tied to first mortgage acceptance.
17. Kentucky (KHC) — Offers DPA as forgivable or deferred subordinate loans for eligible buyers with homebuyer education requirements.
18. Louisiana (LHC) — DPA programs that provide subordinate loans/grants for qualifying buyers; local variations exist.
19. Maine (MaineHousing) — DPA for first-time buyers in the form of deferred loans or forgivable assistance within income limits.
20. Maryland (MMP) — Multiple MMP DPA products (direct, 6000, percent options, HomeStart, SmartBuy, Flex) offering loans or grants tailored by county and buyer needs.
21. Massachusetts (MassHousing) — DPA and mortgage programs (including ONE Mortgage) available through approved lenders; assistance can be forgivable or deferred.
22. Michigan (MSHDA) — MI Home Loan and DPA may include deferred loans or forgivable options with income and purchase price limits.
23. Minnesota (Minnesota Housing) — Start Up and other DPA products provide forgivable or deferred assistance for eligible buyers.
24. Mississippi (MHC) — Down payment assistance through state programs, commonly deferred second loans or grants.
25. Missouri (MHDC) — DPA grants/loans paired with MHDC first mortgages; terms and amounts vary by program.
26. Montana (MBOH) — Subordinate loans or grants to help with down payment/closing costs for eligible buyers.
27. Nebraska (NIFA) — Offers DPA via second mortgages or grants in combination with NIFA first mortgages.
28. Nevada (Nevada Housing) — “Home Is Possible” and related DPA, often a deferred second loan or forgivable assistance.
29. New Hampshire (NHHFA) — DPA programs for income-eligible buyers, commonly deferred second loans.
30. New Jersey (NJHMFA) — State DPA grants/loans for eligible buyers, often layered with NJHMFA mortgages.
31. New Mexico (MFA) — DPA offerings include subordinate loans or grants and are administered through approved lenders.
32. New York (SONYMA) — SONYMA and other state programs provide DPA and forgivable loan options for first-time and targeted buyers.
33. North Carolina (NCHFA) — Offers DPA as down payment or closing cost assistance; programs may be forgivable or deferred.
34. North Dakota (NDHFA) — DPA options for buyers, typically second-mortgage assistance with income limits.
35. Ohio (OHFA) — State DPA options and local HFAs offer grants/deferred seconds for eligible buyers.
36. Oklahoma (OHFA) — Offers subordinate loans/grants to assist with down payment and closing costs.
37. Oregon (OHCS) — DPA and other assistance (including matched IDA-style options) to support first-time buyers.
38. Pennsylvania (PHFA) — PHFA provides DPA loans/grants (Advantage/DA style) layered with PHFA first mortgages.
39. Rhode Island (RI Housing) — DPA that can be forgivable or deferred, paired with RI Housing loans.
40. South Carolina (SC Housing) — DPA programs provide subordinate loans or grants with income and purchase price limits.
41. South Dakota (SDHDA) — Provides DPA assistance via subordinate loans or grants for eligible buyers.
42. Tennessee (THDA) — Great Choice and DPA options include deferred second loans or forgivable assistance in some cases.
43. Texas (TDHCA & local HFAs) — Multiple programs across the state, including My First Texas Home and local DPA grants/loans.
44. Utah (Utah Housing) — DPA programs include second loans, deferred assistance, and some forgivable options.
45. Vermont (VHFA) — VHFA offers DPA and down payment loans to eligible buyers, often deferred or forgivable in part.
46. Virginia (Virginia Housing) — Virginia Housing provides DPA options (grants, second loans), including targeted employee or locality programs.
47. Washington (WSHFC) — DPA grants/loans for eligible buyers, often paired with WSHFC mortgage products.
48. West Virginia (WVHDF) — DPA programs that often provide subordinate loans to assist with down payment costs.
49. Wisconsin (WHEDA) — WHEDA’s homebuyer programs include DPA in the form of grants or second loans for eligible buyers.
50. Wyoming (WCDA) — WCDA offers homeownership assistance, typically subordinate loans/grants to eligible buyers.