Down Payment Assistance Without a First-Time Buyer Rule

Already owned a home? These 8 programs say on their official page that a first-time buyer requirement does not apply. Other rules (income, price, credit) still do.

Browse by type: Grants · Forgivable loans · Deferred loans · Repayable loans · No first-time buyer rule · Veterans · Compare programs

Georgia Dream Peach Plus

Type not verified

Georgia Department of Community Affairs (DCA) / GHFA · Georgia

Amount: Standard: lesser of 3.5% or $10,000; PEN/Choice: lesser of 4% or $12,500
First-time buyer: Not required
Status: Offered

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

Idaho Housing Down Payment and Closing Cost Assistance

Repayable loan

Idaho Housing and Finance Association (IHFA) · Idaho

Amount: Up to 8% of the sales price
First-time buyer: Not required
Status: Offered

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

HomeStart Advantage

Forgivable loan

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) ↗

Next Step Loan with Cash Assistance

Type not verified

Missouri Housing Development Commission (MHDC) · Missouri

Amount: Not verified — see source
First-time buyer: Not required
Status: Offered

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

NC Home Advantage Mortgage Down Payment Assistance

Forgivable loan

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) ↗

Virginia Housing Plus Second Mortgage

Repayable loan

Virginia Housing · Virginia

Amount: Up to 5% of the purchase price
First-time buyer: Not required (first-time or repeat buyers)
Status: Offered

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

Home Advantage DPA

Deferred loan

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) ↗

Home Advantage Needs-Based DPA

Deferred loan

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) ↗

First-time rule with exceptions

These programs require first-time buyers but list an exception on the official page, such as buying in a federally targeted area or being a veteran.

Georgia Dream Down Payment Assistance (Georgia) — Required (or no home owned in the past 3 years, or purchase in certain areas)
Hale Kamaʻāina Mortgage Program Down Payment Assistance (Hawaii) — Required (no primary residence in 3 years; exceptions for veterans or targeted areas)
First Place Loan with Cash Assistance (Missouri) — Required (first-time homebuyers and qualified veterans)
NC 1st Home Advantage Down Payment (North Carolina) — Required (or military veteran, or buying in a targeted area)
Homebuyer Assistance Program (HAP) (Texas) — Required (or no home owned in the last 3 years)
Down Payment Assistance Grant (Virginia) — Required (or repeat buyer purchasing in Areas of Economic Opportunity)
HomeChoice DPA (Washington) — Required (unless buying in a Targeted Area)
House Key Opportunity DPA (Washington) — Required (or purchase in a Target Area)
Veterans Downpayment Assistance Program (Washington) — Required (or purchase in a Target Area)

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