How to Find Down Payment Assistance In Each State (2026)
- Author: Marsha Jacobs
- Posted: 2026-01-21
Down Payment Assistance (also known as DPA) helps home buyers pay for the upfront costs needed to buy a home. Many people think you need to save up to 20% of the price for a down payment, but this isn’t true anymore.
There are programs across the United States that can help you buy a home with little or no money down.
Who Qualifies for Down Payment Assistance?
These programs are often made for:
- First-time home buyers
- People with lower or moderate income
- Buyers with less-than-perfect credit
However, some DPA programs are open to a wider range of people. Each program has its own rules, so check the requirements in your state.
Types of Down Payment Assistance
Down payment help comes in different forms, such as:
- Grants: Money you don’t have to pay back
- Forgivable loans: Loans that don’t have to be repaid if you stay in the home for a certain number of years
- Deferred loans: Loans you only pay back when you sell or refinance the home
- Low-interest loans: Loans that you pay back with little or no interest
How Much Help Can You Get?
The amount of down payment assistance available varies by state and program. Some might offer a few thousand dollars, while others provide more. Usually, these programs will help with either the down payment, closing costs, or both.
State-by-State Programs
Almost every state offers its own Down Payment Assistance programs. Here’s how you can find them:
- State Housing Finance Agencies (HFAs): Most programs are run by HFAs. You can easily search for your state’s agency online.
- Check Local and City Programs: Many big cities and even counties offer extra help to home buyers.
- Use the U.S. Department of Housing and Urban Development (HUD) website: They list DPA programs by state.
How to Apply
To apply:
- Find the DPA program in your state or city.
- Check if you qualify based on factors like income, credit score, and home price.
- Complete the application, often through an approved lender or your state’s housing website.
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Find out if you're eligible for housing support here!
