Free Money - Down Payment Assistance for Home Buyers DC, MD, VA

Washington DC

Maryland

MD If your employer is listed you may qualify for down payment and/or closing cost assistance

MD Down payment Partner match Programs - 1stHomeNetwork

MD College Park $15000 - 1stHomeNetwork

MD Bowie City employees, Teachers and Officers - 1stHomeNetwork

MD Laurel Tax abatement - 1stHomeNetwork

MD American Dream - 1stHomeNetwork

MD Sheriffs and officers pay no Transfer taxes - 1stHomeNetwork

MD Home buyers save up to $15000 - 1stHomeNetwork

MD Community Organizations and Housing agencies

MD Frederick County - 1stHomeNetwork

Housing Grants for disabled Veterans up to $121,812 - 1stHomeNetwork

Grant Government pays a portion of your Mortgage - 1stHomeNetwork

VA loans 100% no money down - 1stHomeNetwork

MMP 1st Time Advantage Direct - 1stHomeNetwork

MMP 1st Time Advantage 6000 - 1stHomeNetwork

MMP 1st Time Advantage 3% - 1stHomeNetwork

MMP 1st Time Advantage 4% - 1stHomeNetwork

MMP HomeStart - 1stHomeNetwork

MMP Maryland SmartBuy 3.0 -Payoff $20,000 in Student Debt - 1stHomeNetwork

MMP Flex Direct - Competive Interest Rates - 1stHomeNetwork

MMP Flex 5000 - 1stHomeNetwork

MMP Flex 3% - 1stHomeNetwork

MMP House Keys 4 Employees & Smart Keys 4 Employees - 1stHomeNetwork

Baltimore City ‐ Baybrook Boost up to $20,500 - 1stHomeNetwork

Baltimore City ‐ Buying Into Baltimore - 1stHomeNetwork

Baltimore City ‐ Employee Homeownership Program - 1stHomeNetwork

Baltimore City ‐ First‐Time Homebuyers Incentive Program - 1stHomeNetwork

Baltimore City ‐ Live Near Your Work - 1stHomeNetwork

Baltimore City ‐ Project Reinvest (NHS Baltimore) - 1stHomeNetwork

Baltimore City ‐ Vacants to Value - 1stHomeNetwork

Baltimore County - SELP - Settlement Expense Loan - 1stHomeNetwork

Federal Home Loan Bank (FHLB) - 1stHomeNetwork

First Home Advantage - 1stHomeNetwork

First Home Dream - 1stHomeNetwork

First Home Heroes - 1stHomeNetwork

Frederick County Homebuyer Assistance Program (HAP) - 1stHomeNetwork

Gaithersburg Homeownership Assistance Loan Program GHALP FUNDS - 1stHomeNetwork

Greenbelt Home Advantage - 1stHomeNetwork

Homeowner's Property Tax Credit - 1stHomeNetwork

Howard County ‐ HomeStarter Loan - 1stHomeNetwork

Howard County ‐ HomeSteader Loan - 1stHomeNetwork

Howard County ‐ DreamMakerLoan - 1stHomeNetwork

Montgomery County Housing Opportunities Commission Program - 1stHomeNetwork

Montgomery County Homeownership Assistance Funds Program ‐ McHAF $25K - 1stHomeNetwork

Montgomery County Homeownership Program VIII (MMP) - 1stHomeNetwork

Montgomery Employee Down Payment Assistance Loan (MEDPAL) - 1stHomeNetwork

Prince George's County Pathway To Purchase Program - 1stHomeNetwork

USDA - 1stHomeNetwork

HomeAbility a product designed to assist Maryland homebuyers with disabilities - 1stHomeNetwork

Alabama (AHFA) — upto $10k Offers grants/second-mortgage DPA that can be deferred or repaid; often requires homebuyer education. - 1stHomeNetwork

Alaska (AHFC) — upto 5% AHFC partners and nonprofit intermediaries provide DPA for qualified borrowers, often deferred second loans or matched grants - 1stHomeNetwork

Arizona (Home Plus / Arizona Is Home) — upto $30k 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 - 1stHomeNetwork

Arkansas (ADFA) — Second-mortgage DPA (upto $15k) to help with down payment and closing costs; often a 10-year term - 1stHomeNetwork

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. - 1stHomeNetwork

Colorado (CHFA) — upto $25K DPA grants or low-interest second loans up to several thousand dollars; available with CHFA first mortgage. - 1stHomeNetwork

Connecticut (CHFA) — upto 15k “Time To Own” and other programs provide forgivable or deferred DPA loans for first-time buyers and targeted area purchasers. - 1stHomeNetwork

Delaware (DSHA) — First State DPA often provides a deferred second loan upto 3% of loan amount to cover down payment/closing costs. - 1stHomeNetwork

Florida (Florida Housing) — upto $35K Statewide HFA programs plus local DPA options; structure ranges from forgivable grants to deferred seconds. - 1stHomeNetwork

Georgia (Georgia Dream) — upto $12.5K Offers DPA as subordinate loans or grants for eligible buyers, often income-targeted. - 1stHomeNetwork

Hawaii (HHFDC) — upto 5% DPA for low-to-moderate income buyers, sometimes forgivable or deferred subordinate loans. - 1stHomeNetwork

Idaho (IHFA) - upto 8% DPA options may include second loans or matching grants paired with IHFA first mortgages. - 1stHomeNetwork

Illinois (IHDA) — upto 5% Offers several DPA products (grants or loans), frequently layered with IHDA first-mortgage programs - 1stHomeNetwork.

Indiana (IHCDA) — upto 5% DPA typically available as deferred 2nd mortgages or forgivable assistance with income limits. - 1stHomeNetwork

Iowa (IFA) — upto 5% Down payment and closing cost assistance available to first-time buyers via grants or second loans. - 1stHomeNetwork

Kansas (KHRC) — upto $40k State DPA offerings typically include subordinate loans or grants tied to first mortgage acceptance - 1stHomeNetwork

Kentucky (KHC) — upto $12.5K Offers DPA as forgivable or deferred subordinate loans for eligible buyers with homebuyer education requirements. - 1stHomeNetwork

Louisiana (LHC) — upto $55K DPA programs that provide subordinate loans/grants for qualifying buyers; local variations exist. - 1stHomeNetwork

Maine (MaineHousing) — upto $10K DPA for first-time buyers in the form of deferred loans or forgivable assistance within income limits. - 1stHomeNetwork

Maryland (MMP) — upto 5% Multiple MMP DPA products (direct, 6000, percent options, HomeStart, SmartBuy, Flex) offering loans or grants tailored by county and buyer needs. - 1stHomeNetwork

Massachusetts (MassHousing) — upto $30K DPA and mortgage programs (including ONE Mortgage) available through approved lenders; assistance can be forgivable or deferred. - 1stHomeNetwork

Michigan (MSHDA) — upto $25K MI Home Loan and DPA may include deferred loans or forgivable options with income and purchase price limits. - 1stHomeNetwork

Minnesota (Minnesota Housing) — upto $35K Start Up and other DPA products provide forgivable or deferred assistance for eligible buyers. - 1stHomeNetwork

Mississippi (MHC) — upto 5% Down payment assistance through state programs, commonly deferred second loans or grants - 1stHomeNetwork.

Missouri (MHDC) — upto 4% DPA grants/loans paired with MHDC first mortgages; terms and amounts vary by program. - 1stHomeNetwork

Montana (MBOH) — upto $15K Subordinate loans or grants to help with down payment/closing costs for eligible buyers. - 1stHomeNetwork

Nebraska (NIFA) — upto 5% Offers DPA via second mortgages or grants in combination with NIFA first mortgages. - 1stHomeNetwork

Nevada (Nevada Housing) — upto 4% DPA, often a deferred second loan or forgivable assistance. - 1stHomeNetwork

New Hampshire (NHHFA) — upto $15K DPA programs for income-eligible buyers, commonly deferred second loans. - 1stHomeNetwork

New Jersey (NJHMFA) — upto $22K State DPA grants/loans for eligible buyers, often layered with NJHMFA mortgages. - 1stHomeNetwork

New Mexico (MFA) — upto 5% DPA offerings include subordinate loans or grants and are administered through approved lenders. - 1stHomeNetwork

New York (SONYMA) — upto $20K DPA and forgivable loan options for first-time and targeted buyers - 1stHomeNetwork.

North Carolina (NCHFA) — upto $50K Offers DPA as down payment or closing cost assistance; programs may be forgivable or deferred. - 1stHomeNetwork

North Dakota (NDHFA) — upto 5% DPA options for buyers, typically second-mortgage assistance with income limits. - 1stHomeNetwork

Ohio (OHFA) — upto $15K State DPA options and local HFAs offer grants/deferred seconds for eligible buyers. - 1stHomeNetwork

Oklahoma (OHFA) — upto 8.5% Offers subordinate loans/grants to assist with down payment and closing costs. - 1stHomeNetwork

Oregon (OHCS) — upto $60K DPA and other assistance (including matched IDA-style options) to support first-time buyers.

Pennsylvania (PHFA) — upto 5% DPA loans/grants (Advantage/DA style) layered with PHFA first mortgages. - 1stHomeNetwork

Rhode Island (RI Housing) — upto 6% DPA that can be forgivable or deferred, paired with RI Housing loans. - 1stHomeNetwork

South Carolina (SC Housing) — upto 5% DPA programs provide subordinate loans or grants with income and purchase price limits. - 1stHomeNetwork

South Dakota (SDHDA) — upto 5% Provides DPA assistance via subordinate loans or grants for eligible buyers. - 1stHomeNetwork

Tennessee (THDA) — upto 15K Great Choice and DPA options include deferred second loans or forgivable assistance in some cases. - 1stHomeNetwork

Texas (TDHCA & local HFAs) — upto 5% Multiple programs across the state, including My First Texas Home and local DPA grants/loans - 1stHomeNetwork.

Utah (Utah Housing) — upto $20K DPA programs include second loans, deferred assistance, and some forgivable options. - 1stHomeNetwork

Vermont (VHFA) — upto $30k VHFA offers DPA and down payment loans to eligible buyers, often deferred or forgivable in part. - 1stHomeNetwork

Virginia (Virginia Housing) — upto $40k Virginia Housing provides DPA options (grants, second loans), including targeted employee or locality programs. - 1stHomeNetwork

Washington (WSHFC) — upto $15K DPA grants/loans for eligible buyers, often paired with WSHFC mortgage products. - 1stHomeNetwork

West Virginia (WVHDF) — upto 5% DPA programs that often provide subordinate loans to assist with down payment costs - 1stHomeNetwork.

Wisconsin (WHEDA) — upto 5% WHEDA’s homebuyer programs include DPA in the form of grants or second loans for eligible buyers. - 1stHomeNetwork

Wyoming (WCDA) — Upto $15k WCDA offers homeownership assistance, typically subordinate loans/grants to eligible buyers - 1stHomeNetwork.

Virgin islands — upto $100K dpa offers homeownership assistance, typically subordinate loans/grants to eligible buyers. - 1stHomeNetwork

Puerto Rico — upto $55K dpa offers homeownership assistance, typically subordinate loans/grants to eligible buyers. - 1stHomeNetwork