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    Find Participating Lenders in Your State's Housing Agency Program

    Every state housing finance agency funds down payment assistance but none of them lend directly. A private, agency-approved lender originates the loan. Pick your state to see who runs the program, where the official participating lender list lives, and what to ask before you apply.

    Questions to ask a lender Find assistance in my ZIP

    How housing agency lender participation works

    State housing finance agencies (HFAs) write the program rules — income caps, purchase price limits, credit minimums, homebuyer education — and fund the assistance. They then approve mortgage lenders to deliver it. If a lender is not on the agency's participating list, they cannot put you into the program, no matter how good their rate is.

    Those lists live on each agency's own site and change as lenders join and leave, which is why we send you to the source instead of republishing a snapshot that goes stale.

    Browse every state

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    Common questions

    What does it mean for a lender to 'participate' in a housing agency program?▾

    State housing finance agencies do not lend directly to buyers. They set the program rules and fund the assistance, then approve mortgage lenders to originate the loans. Only an approved lender can put you into the program.

    Why can't you just list the approved lenders for every state?▾

    Participation lists change frequently and each agency publishes its own current directory. Republishing a snapshot would go stale within weeks and could point you at a lender that has left the program. We link you to the authoritative agency source instead.

    Do approved lenders charge more?▾

    Not inherently. Rates and fees still vary by lender, which is why you should compare written Loan Estimates from two or three approved lenders on the same day.

    Can I combine state agency assistance with city or county programs?▾

    Often yes. Layering state, county, city, and nonprofit assistance is common, though each program sets its own rules on combining. Your approved lender and a housing counselor can confirm what stacks in your area.

    Lender participation, eligibility rules, and program terms vary by state and can change at any time. HomeApproach does not endorse or recommend any individual lender. Always verify a lender's current participation and your eligibility directly with the housing finance agency before applying.

    Last reviewed August 11, 2026.