Deferred Down Payment Assistance Loans

California Housing Finance Agency (CalHFA) · California

Amount

Up to 20% of the purchase price, not to exceed $150,000

First-time buyer

Required

Status

Closed

Last checked Oct 21, 2026 · Official source (opens in new tab) ↗

California Housing Finance Agency (CalHFA) · California

Amount

Up to the lesser of 3.5% (FHA) or 3% (conventional) of the purchase price or appraised value

First-time buyer

Required

Status

Offered

Last checked Oct 21, 2026 · Official source (opens in new tab) ↗

San Francisco Mayor's Office of Housing and Community Development (MOHCD) · California

Amount

Up to $500,000

First-time buyer

Required

Status

Offered

Last checked Oct 21, 2026 · Official source (opens in new tab) ↗

Los Angeles Housing Department (LAHD) · California

Amount

Up to $161,000

First-time buyer

Required (no ownership interest in the last three years)

Status

Offered

Last checked Oct 21, 2026 · Official source (opens in new tab) ↗

San Diego Housing Commission (SDHC) · California

Amount

Not verified — see source

First-time buyer

Required

Status

Offered

Last checked Oct 21, 2026 · Official source (opens in new tab) ↗

Colorado Housing and Finance Authority (CHFA) · Colorado

Amount

Up to the lesser of $25,000 or 4% of the first mortgage

First-time buyer

Not stated on source

Status

Offered

Last checked Oct 21, 2026 · Official source (opens in new tab) ↗

Delaware State Housing Authority (Housing Delaware) · Delaware

Amount

Zero-interest second mortgage equal to 3%, 4% or 5% of the first mortgage

First-time buyer

Required for Welcome Home; not required for Open Door

Status

Offered

Last checked Oct 21, 2026 · Official source (opens in new tab) ↗

Florida Housing Finance Corporation · Florida

Amount

Up to $10,000

First-time buyer

Not stated on source

Status

Offered

Last checked Oct 21, 2026 · Official source (opens in new tab) ↗

Florida Housing Finance Corporation · Florida

Amount

5% of the first mortgage, minimum $10,000, maximum $35,000

First-time buyer

Required (first-time, income-qualified homebuyers)

Status

Offered

Last checked Oct 21, 2026 · Official source (opens in new tab) ↗

Hawaii Housing Finance and Development Corporation (HHFDC) · Hawaii

Amount

4% of the first mortgage amount

First-time buyer

Required (no primary residence in 3 years; exceptions for veterans or targeted areas)

Status

Offered

Last checked Oct 21, 2026 · Official source (opens in new tab) ↗

Illinois Housing Development Authority (IHDA) · Illinois

Amount

Up to $7,500

First-time buyer

Not stated on source

Status

Offered

Last checked Oct 21, 2026 · Official source (opens in new tab) ↗

Maryland Department of Housing and Community Development (Maryland Mortgage Program) · Maryland

Amount

$6,000

First-time buyer

Required

Status

Offered

Last checked Oct 21, 2026 · Official source (opens in new tab) ↗

MassHousing · Massachusetts

Amount

Up to $30,000 (0% deferred) or up to $25,000 (2% or 3% 15-year amortizing)

First-time buyer

Required (income-eligible first-time homebuyer)

Status

Offered

Last checked Oct 21, 2026 · Official source (opens in new tab) ↗

Michigan State Housing Development Authority (MSHDA) · Michigan

Amount

Up to $10,000

First-time buyer

Not stated on source

Status

Offered

Last checked Oct 21, 2026 · Official source (opens in new tab) ↗

Minnesota Housing · Minnesota

Amount

Up to $14,000 (Deferred Payment Loan Plus: up to $18,000)

First-time buyer

Not stated on source

Status

Offered

Last checked Oct 21, 2026 · Official source (opens in new tab) ↗

Pennsylvania Housing Finance Agency (PHFA) · Pennsylvania

Amount

8% (loan amounts up to $150,000) or 5% (above $150,000) of the lesser of price or appraised value

First-time buyer

Not stated on source

Status

Offered

Last checked Oct 21, 2026 · Official source (opens in new tab) ↗

South Dakota Housing (SDHDA) · South Dakota

Amount

3% or 5% of the first mortgage

First-time buyer

Not stated on source

Status

Offered

Last checked Oct 21, 2026 · Official source (opens in new tab) ↗

Texas Department of Housing and Community Affairs (TDHCA) · Texas

Amount

2% to 5% (subject to availability)

First-time buyer

Required

Status

Offered

Last checked Oct 21, 2026 · Official source (opens in new tab) ↗

City of Dallas (administered by BCL of Texas) · Texas

Amount

Up to $60,000 in High Opportunity Areas; up to $50,000 elsewhere in Dallas

First-time buyer

Not stated on source

Status

Offered

Last checked Oct 21, 2026 · Official source (opens in new tab) ↗

Utah Housing Corporation (UHC) · Utah

Amount

3.5% of the first mortgage, up to $27,500

First-time buyer

Not stated on source

Status

Offered

Last checked Oct 21, 2026 · Official source (opens in new tab) ↗

Vermont Housing Finance Agency (VHFA) · Vermont

Amount

Up to $10,000

First-time buyer

Required (never owned a home; under $20,000 combined liquid assets)

Status

Offered

Last checked Oct 21, 2026 · Official source (opens in new tab) ↗

Washington State Housing Finance Commission (WSHFC) · Washington

Amount

3%, 4% or 5% of the first mortgage

First-time buyer

Not required

Status

Offered

Last checked Oct 21, 2026 · Official source (opens in new tab) ↗

Washington State Housing Finance Commission (WSHFC) · Washington

Amount

Up to $10,000

First-time buyer

Not required

Status

Offered

Last checked Oct 21, 2026 · Official source (opens in new tab) ↗

Washington State Housing Finance Commission (WSHFC) · Washington

Amount

Up to $15,000

First-time buyer

Required (unless buying in a Targeted Area)

Status

Offered

Last checked Oct 21, 2026 · Official source (opens in new tab) ↗

Washington State Housing Finance Commission (WSHFC) · Washington

Amount

Up to $15,000

First-time buyer

Required (or purchase in a Target Area)

Status

Offered

Last checked Oct 21, 2026 · Official source (opens in new tab) ↗

Washington State Housing Finance Commission (WSHFC) · Washington

Amount

Up to $10,000

First-time buyer

Required (or purchase in a Target Area)

Status

Offered

Last checked Oct 21, 2026 · Official source (opens in new tab) ↗

Wisconsin Housing and Economic Development Authority (WHEDA) · Wisconsin

Amount

Not verified — see source

First-time buyer

Not stated on source

Status

Offered

Last checked Oct 21, 2026 · Official source (opens in new tab) ↗

Wyoming Community Development Authority (WCDA) · Wyoming

Amount

Up to $15,000

First-time buyer

Required

Status

Offered

Last checked Oct 21, 2026 · Official source (opens in new tab) ↗