Every state’s home buyer programs, made simple.
We pull the real programs straight from official .gov sources, translate the fine print into plain English, and keep an eye on them so you don’t have to.
We’ll email you when your state’s programs change, expire, or open new funding.
Bet you didn’t know
You can be a “first-time” buyer twice. Most programs count anyone who hasn’t owned a primary residence in the last 3 years — even if you owned a home before that.
Start here
Let’s find what’s waiting in your state.
Every state runs its own programs, with its own income limits and rules. Even your ZIP code can change what you qualify for — so let’s start local.
All 50 states + DC · City and county programs too, wherever they exist
What you’ll see
Programs explained like a friend would explain them.
You get the official details, what the confusing terms actually mean, and the watch-outs nobody warns you about until closing day. Tap any to see it in plain English.
Example: State Down Payment Assistance Loan
From your state housing agency (.gov) · Sample of how every listing looks
What you’ll need
- You haven’t owned a home you lived in for the past 3 years
- Your income fits under your county’s
- Your and credit score clear the program’s floor
- You take a quick HUD-approved homebuyer class (usually online)
- You work with a lender from the program’s
Watch out for
- It might be a — leave too soon and you pay it back
- can apply if you sell within 9 years at a gain
- Funding runs dry — some programs pause mid-year once the money’s gone
- You have to actually live there; renting it out can trigger repayment
Every program links straight to its official .gov page, so you can double-check us before you apply.
The jargon decoder
What the .gov site says vs. what it actually means.
Tap a card to flip the government-speak into plain English.
More than down payments
Four ways these programs actually help.
Most sites stop at down payment help. That’s only one of four levers you can pull.
Down payment & closing help
Grants and low- or no-interest loans that cover the cash you need to get to the closing table.
Lower interest rates
State loans often come in under retail rates — that’s a smaller payment every month for 30 years.
Tax credits
A Mortgage Credit Certificate can hand you up to $2,000 back every year you own the home and live in it.
Approved lenders
These programs only work through certain lenders. We show you who can actually write the loan.
Why you can trust it
We keep it current, so you’re never chasing dead links.
Housing programs open, close, and run out of money all the time. Stale info costs buyers real deals — so keeping things fresh is the whole point.
Straight from the source
Details come right off state and city .gov pages — never from a third-party aggregator.
Rechecked on a schedule
We re-scan every source on a set cycle for changes, expirations, and funding status.
Dated on every listing
You’ll see when we last checked. If a source goes dark, we flag it — we don’t leave it up.
Linked to the original
One click takes you to the official page, so you never have to just take our word for it.
Who this is for
Made for buyers, not investors.
Everything here is for people buying a home they’ll actually live in. These programs exist to put families in homes, and that’s the only thing we help with. If you’re shopping for rentals or flips, this isn’t the right spot.
There’s money waiting in your state.
Most buyers never claim the help they already qualify for. Let’s make sure you’re not one of them.