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. See what resources are offered where you live.

Many state housing authorities combine down payment grants — or no-down-payment mortgages — with favorable interest rates and even federal tax breaks. 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.

NerdWallet has linked to information about the first-time home buyer programs for all states. Just click on the state where you live on the map below, or use the text links at the bottom of the page. Also, read about the top national first-time home buyer programs to consider.

Other first-time home buyer resources

Your journey to homeownership will also include the following:

  • Deciding where to live
  • Knowing what you can afford
  • Preparing your credit
  • Choosing the best mortgage

You’ll find all that information and more in our first-time home buyer guide.

If you like to get right down to actionable steps without climbing a wall of words, see our tips for first-time home buyers. A lot of people stumble on No. 4 and No. 7.

For now, the most important thing to do is take one step at a time. Exploring first-time home buyer assistance programs in your state, and finding out whether you qualify for help, is a great start.

Northeast

Connecticut
Maine
Massachusetts
New Hampshire
New Jersey
New York
Pennsylvania
Rhode Island
Vermont

Midwest

Illinois
Indiana
Iowa
Kansas
Michigan
Minnesota
Missouri
Nebraska
North Dakota
Ohio
South Dakota
Wisconsin

South

Alabama
Arkansas
Delaware
District of Columbia
Florida
Georgia
Kentucky
Louisiana
Maryland
Mississippi
North Carolina
Oklahoma
South Carolina
Tennessee
Texas
Virginia
West Virginia

West

Alaska
Arizona
California
Colorado
Hawaii
Idaho
Montana
Nevada
New Mexico
Oregon
Utah
Washington
Wyoming