Forgivable Down Payment Assistance Loans

Arizona Industrial Development Authority (Arizona IDA) · Arizona

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) ↗

City of Phoenix Housing Department · Arizona

Amount

Up to 10% of the purchase price, based on need

First-time buyer

Required (as defined by FHA)

Status

Offered

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

Invest Atlanta · Georgia

Amount

Up to $20,000

First-time buyer

Not stated on source

Status

Offered

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

Illinois Housing Development Authority (IHDA) · Illinois

Amount

Up to $6,000

First-time buyer

Not stated on source

Status

Offered

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

Kansas Housing Resources Corporation (KHRC) · Kansas

Amount

0% interest loan of 15 or 20% of the purchase price

First-time buyer

Required

Status

Offered

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

Louisiana Housing Corporation (LHC) · Louisiana

Amount

4% of the first mortgage

First-time buyer

Not required (may not own another residence at closing)

Status

Offered

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

Louisiana Housing Corporation (LHC) · Louisiana

Amount

4% of the first mortgage

First-time buyer

Required

Status

Offered

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

Louisiana Housing Corporation (LHC) · Louisiana

Amount

Up to 20% of the purchase price (up to $55,000) plus up to $5,000 closing cost assistance

First-time buyer

Required

Status

Offered

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

New Jersey Housing and Mortgage Finance Agency (NJHMFA) · New Jersey

Amount

Up to $15,000

First-time buyer

Required

Status

Offered

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

State of New York Mortgage Agency (SONYMA) · New York

Amount

Greater of $3,000 or 3% of the purchase price (up to $15,000)

First-time buyer

Not stated on source

Status

Offered

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

NYC Department of Housing Preservation and Development (HPD) · New York

Amount

Up to $100,000

First-time buyer

Required

Status

Offered

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

North Carolina Housing Finance Agency (NCHFA) · North Carolina

Amount

$15,000

First-time buyer

Required (or military veteran, or buying in a targeted area)

Status

Offered

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

North Carolina Housing Finance Agency (NCHFA) · North Carolina

Amount

Up to 3% of the loan amount

First-time buyer

Not required (first-time and move-up buyers)

Status

Offered

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

Ohio Housing Finance Agency (OHFA) · Ohio

Amount

3% (conventional) or 3.5% (FHA, VA, USDA)

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

5% of the lesser of purchase 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 Carolina State Housing Finance and Development Authority (SC Housing) · South Carolina

Amount

3% 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) ↗

Tennessee Housing Development Agency (THDA) · Tennessee

Amount

$6,000 or $10,000

First-time buyer

Not stated on source

Status

Offered

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

City of Houston Housing and Community Development Department · Texas

Amount

Up to $75,000, based on financial need

First-time buyer

Required (or no home owned in the last 3 years)

Status

Paused

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