Stack — by Home Approach

    Every grant you qualify for, in one stack.

    The only engine that combines every federal, state, county, and employer down-payment grant you qualify for into a single total — built around your real situation, not a generic search.

    Stack shows you programs you may qualify for — it is not a loan offer, pre-approval, or guarantee of funds.

    Free. Sign in to see your full grant stack and save it to your plan.

    New to this? Learn how Stack works →

    How Stack works

    Four layers of grants. One total.

    Most platforms surface one grant. Stack waterfalls through four layers and combines every grant that's actually stackable in your ZIP.

    Layer 1
    Federal Grants
    FHA, VA, USDA, Good Neighbor
    Layer 2
    State Grants
    First-time buyer grants and bond loans
    Layer 3
    County Grants
    Hyperlocal down-payment grant funds
    Layer 4
    Employer Grants
    Workplace homebuyer grants, often forgotten
    Verified + AI-sourced
    Every grant is tagged so you know what's human-reviewed.
    Updated continuously
    Cached for speed, refreshed weekly as grant programs change.
    Employer grants included
    The grant category most tools forget — and most buyers miss.

    Common questions

    Does Stack guarantee I'll receive these grants?

    No. Stack identifies programs you may be eligible for based on ZIP, income, household, and employer. Final eligibility and award amounts are determined by each program administrator after you apply.

    What is grant stacking?

    Most down-payment programs can be combined. Stack finds every federal, state, county, and employer-funded program you qualify for in your ZIP and adds them up — so you see the full amount available to you, not just one program.

    Is Stack free?

    Yes. Stack is free for every Home Approach member. Create a free account to run your stack and save it to your plan.

    How is this different from a generic grant search?

    Generic search tools surface one program at a time. Stack runs a 4-layer waterfall, then layers in employer benefits — a category most tools ignore entirely — and shows what's actually combinable.

    Where does the data come from?

    A curated catalog of admin-verified programs plus an AI fallback for any missing layers. Every result is tagged Verified or AI-sourced so you know what's been human-reviewed.

    See your full grant stack in 60 seconds.

    Free, ZIP-based, no commitment. We'll show you every grant — and exactly how to claim it.

    Run my Stack