First-Time Homebuyer Grants by State, County, and City

• State: The state where the property is located.
• County/City: The specific county or city where the property is located.
• Provider: The organization offering the grant.
• Grant vs Forgivable vs Deferred Loan: The type of financial assistance provided.
• Stackable Status: Whether multiple grants can be combined for a single purchase (stackability).
• Approved Lender Required: If the lender providing your mortgage must be approved for the grant.
• Education Required: Whether homebuyer education is necessary to qualify for the grant.
• AMI Basis: The percentage of Area Median Income (AMI) used to determine eligibility.
• Funding Status: The current availability status of the grant funding (Open, Waitlist, Exhausted).
• Last Verified Date: The most recent date the grant information was confirmed accurate.

What To Check When You Search

Before contacting a state HFA, county, or city housing office about first-time homebuyer grants, gather this information -- it's what every program will ask for:

• State
• County or city
• Household size
• Annual income
• Home price ceiling
• First-time-buyer status
• Profession or military status, if applicable (some programs are profession- or service-specific)
• Assistance type preference (grant, forgivable loan, or deferred loan)

How To Find Programs In Your Area

Use our Grant Finder tool to run a real search by ZIP code across federal, state, county, and employer-funded programs in one place. For programs it doesn't cover, contact your state Housing Finance Agency, your county or city housing department, or a HUD-approved housing counselor directly with the criteria above.

Ask each program you find about approved-lender requirements, required homebuyer education, and current funding status -- program availability changes as bank-set-aside funds are exhausted and refilled.