First-Time Home Buyer Programs by State

Down payment and closing cost assistance, special loans with reduced interest rates, and much more are available to first-timers. Learn about the resources and participating lenders in your area.
By NerdWallet 
Updated

Some or all of the mortgage lenders featured on our site are advertising partners of NerdWallet, but this does not influence our evaluations, lender star ratings or the order in which lenders are listed on the page. Our opinions are our own. Here is a list of our partners.

Exploring local and national first-time home buyer assistance programs is an important step in the journey to homeownership.

Many state housing authorities combine closing cost and down payment assistance programs with mortgages that have favorable interest rates. Some states even offer tax credits you can use on your federal tax return. These first-time home buyer assistance programs boost buyers’ chances of owning homes in particular geographic areas, or help borrowers in certain professions, such as educators, first responders, or active-duty military and veterans.

Buying a first home is a big deal, so it’s natural to feel a bit overwhelmed. See our tips for first-time home buyers to get an overview of what to do, mistakes to avoid and links to more resources.

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5.0

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Rocket Mortgage - PURCHASE logo

5.0

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580

Min. down payment 
3.5%

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4.5

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4.5

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620

Min. down payment 
3%

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NBKC - PURCHASE logo
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NBKC

4.5

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NBKC - PURCHASE logo

4.5

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620

Min. down payment 
3%

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on NBKC

Prosperity Home Mortgage - PURCHASE logo
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on Prosperity Home Mortgage

Prosperity Home Mortgage

4.0

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Prosperity Home Mortgage - PURCHASE logo

4.0

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Min. credit score 
580

Min. down payment 

0%

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on Prosperity Home Mortgage

Tomo - PURCHASE logo
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Tomo

4.0

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Tomo - PURCHASE logo

4.0

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Min. credit score 
580

Min. down payment 

3%

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Mortgage loans from our partners

Rocket Mortgage - PURCHASE logo
Check Rate

on Rocket Mortgage

Rocket Mortgage

5.0

NerdWallet rating 
Rocket Mortgage - PURCHASE logo

5.0

NerdWallet rating 
Min. credit score 
580

Min. down payment 
3.5%

Check Rate

on Rocket Mortgage

Better - PURCHASE logo
Check Rate

on Better

Better

4.5

NerdWallet rating 
Better - PURCHASE logo

4.5

NerdWallet rating 
Min. credit score 
620

Min. down payment 
3%

Check Rate

on Better

NBKC - PURCHASE logo
Check Rate

on NBKC

NBKC

4.5

NerdWallet rating 
NBKC - PURCHASE logo

4.5

NerdWallet rating 
Min. credit score 
620

Min. down payment 
3%

Check Rate

on NBKC