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 25 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.