Homeownership
The Complete Guide to First-Time Homebuyer Assistance
Taking the first step towards homeownership? Learn how local housing authorities and federal programs can reduce your initial out-of-pocket down payment costs.
New federal and private funding programs have been released.
Billions in aid is available for the fiscal year. Unlike loans, these grants do not need to be paid back. Funding is currently available for:
Comprehensive guides to federal, state, and local housing assistance. Discover resources for first-time homebuyers, critical home repairs, and rental aid with absolute clarity.
Whether you are looking to purchase your first home, repair an existing property, or find emergency rental assistance, knowing where to look is the crucial first step.
Information on down payment assistance programs, favorable FHA structures, and local government initiatives to help you secure your first home.
View Buyer GuidesDetails on the Weatherization Assistance Program (WAP), Section 504 repair grants, and local resources for maintaining safe living conditions.
Read Repair GuidesResources concerning eviction prevention programs, Section 8 housing choice vouchers, and state-level emergency rental assistance.
Find Rental AidEssential reading for navigating property ownership and rental support.
Taking the first step towards homeownership? Learn how local housing authorities and federal programs can reduce your initial out-of-pocket down payment costs.
Living outside a major city? USDA housing programs offer unique zero-down-payment options and vital repair grants for eligible rural residents.
Discover how to find and utilize free or low-cost HUD-approved housing counselors for buying and renting.
Guides on VA home loans, specialized adaptive grants, and housing support tailored for military veterans.
Information on the WAP program that helps low-income families reduce energy costs by improving home efficiency.
Housing grants are funds provided by government agencies, state housing finance authorities, or non-profit organizations to help eligible individuals buy, repair, or maintain a home. Unlike loans, true grants typically do not need to be repaid. They are mostly targeted toward low-to-moderate-income families, veterans, and rural residents.
Yes, many state and local governments offer down payment assistance programs and grants for first-time homebuyers. These are often administered by local housing authorities or state housing finance agencies to help cover initial out-of-pocket costs and closing fees. Eligibility usually depends on income limits and the home's purchase price.
Yes. Programs like the USDA Section 504 Home Repair program offer grants to elderly, very-low-income homeowners to remove health and safety hazards, which can include roof repairs. Other local municipal programs and the Weatherization Assistance Program (WAP) may also assist with critical home repairs and energy-efficiency improvements.
Qualifications vary widely by program but are generally based on your gross annual household income relative to the Area Median Income (AMI), family size, and U.S. citizenship or eligible immigration status. To find out what you qualify for, it is best to contact your local Public Housing Agency (PHA).
True grants do not require repayment. However, you must carefully read the terms of any assistance you receive. Some homebuyer assistance programs are structured as "forgivable loans," meaning you do not have to repay them as long as you live in the home as your primary residence for a set number of years (often 5 to 10 years). If you move or sell the house before that period ends, you may have to repay a prorated amount.
We are a private informational website. We will never ask for your bank details or charge you an application fee. Be extremely cautious of imposters offering "guaranteed" housing grants for an upfront fee.