Building a County and City Homebuyer Assistance Hub with

Find comprehensive information about local homebuyer assistance programs for major cities and counties across the U.S. Our hub offers a centralized resource to help you discover and navigate various assistance types, eligibility criteria, and application steps.

Program Types

• Forgivable Grants: Financial aid provided to buyers that does not need to be repaid as long as certain conditions are met.
• Silent Seconds: Secondary loans with deferred or no payments until the home is sold or refinanced.
• Shared Appreciation Loans: The lender receives a share of the home's price appreciation in exchange for assistance.
• Community Land Trusts: The buyer owns the home while a nonprofit retains the land, keeping the price affordable long-term.
• Below-Market-Rate Programs: Income-restricted units sold or resold below market price for eligible homebuyers.

Check local eligibility

Key Differences from State Programs

County and city programs differ from state programs in a few key ways: they typically have smaller funding pools, more localized eligibility requirements (often tied to living or working in that specific city or county), and are administered by a local housing department rather than a state housing finance agency.

Major Market Examples

Major markets like Los Angeles, Harris County, San Diego, Broward County, and Baltimore each run their own local programs with their own funding cycles and eligibility rules. Check the specific city or county page rather than assuming one set of rules applies everywhere:

• Los Angeles
• Harris County
• San Diego
• Broward County
• Baltimore

How to Apply Locally

1. Check local eligibility requirements for the specific city or county.
2. Complete the required homebuyer counseling step if the program requires it.
3. Find a participating lender approved for that specific program.

See required counseling step

Find participating lender path