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.

NerdWalletJul 27, 2021
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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.

Find first-time home buyer programs and lenders in your state

Northeast

Midwest

South

West

Other first-time home buyer resources

In addition to exploring local and national first-time home buyer programs, you’ll also want to calculate how much home you can afford, prepare your credit and get to know the mortgage lending landscape, where hundreds of banks, credit unions and mortgage companies compete.

Lenders vary by loan offerings, customer service, credit requirements and fees. Understanding the options will help you get a foothold. See our 5 tips for finding the best mortgage lenders to learn more.

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