First-Time Homebuyer Programs by State 2026 — Find Free Down Payment Help
First-Time Homebuyer Programs by State 2026 — Down Payment Assistance Guide | StatewiseFinance Updated: June 2026 | Sources: State housing finance agencies · HUD.gov · CFPB · Bankrate · mortgage-info.com First-Time Homebuyer Programs by State (2026) Grants, forgivable loans, and 0% down payment assistance — find your state's best programs Over 2,000 down payment assistance programs exist across all 50 states. Most eligible buyers never apply — they simply don't know these programs exist. This guide covers the best programs in every major state, updated for 2026. Most buyers leave money on the table: The majority of first-time buyers who qualify for DPA programs never apply for them. On a $415,000 home, missing a $20,000 DPA program means paying $20,000 more than necessary — plus the compounding cost of a larger loan. Check your state before saving for a down payment. What "first-time buyer" means for most programs: You do not need...