GrantFederal Home Loan Bank
FHLBank Atlanta · fhlbatl.com
- Assistance
- Amount varies — verify with the administrator
- Where
- FL
- Min credit
- Varies
- First-time buyer
- Not required
Affordable Housing Program set-aside funds for income-eligible Florida buyers, available only through lenders that are FHLBank Atlanta members. Funds may be structured as a grant or as secondary financing layered with an FHA first mortgage; household income generally must be at or below 80% of area median income, and each year's funding allocation is limited.
Repayment: Does not have to be repaid if you meet the program's conditions.
GrantFederal Home Loan Bank
FHLBank Topeka · fhlbtopeka.com
- Assistance
- Amount varies — verify with the administrator
- Where
- CO
- Min credit
- Varies
- First-time buyer
- Not required
Affordable Housing Program set-aside funds for income-eligible Colorado buyers, available only through lenders that are FHLBank Topeka members. Funds may be structured as a grant or as secondary financing layered with an FHA first mortgage; household income generally must be at or below 80% of area median income, and each year's funding allocation is limited.
Repayment: Does not have to be repaid if you meet the program's conditions.
Tax credit (MCC)Federal
IRS · Section 25 MCC
- Assistance
- Amount varies — verify with the administrator
- Where
- Nationwide (state exclusions may apply)
- Min credit
- 640
- First-time buyer
- Required
IRS Mortgage Credit Certificate program administered by state and local HFAs. Converts up to 20–30% of your annual mortgage interest into a dollar-for-dollar federal income tax credit for the life of the loan. Not DPA cash — a lifetime tax benefit. Must be a first-time buyer (or in a targeted area) and stay in the home as your primary residence.
Repayment: A federal income tax credit, not cash toward your down payment.
Deferred second mortgageCity or county
City of Colorado Springs
- Assistance
- up to $25,000
- Where
- CO
- Min credit
- 640
- First-time buyer
- Required
Colorado Springs Homebuyer Assistance provides a 0% deferred-payment second mortgage of up to $25,000 for qualified low- to moderate-income first-time buyers purchasing inside city limits. Repaid at sale or refinance.
Repayment: A recorded lien with no monthly payment. The full balance comes due on sale, refinance, transfer or payoff of the first mortgage.
Forgivable second mortgageCity or county
City of Jacksonville
- Assistance
- up to $10,000
- Where
- FL
- Min credit
- 640
- First-time buyer
- Required
The City of Jacksonville Head Start to Homeownership Program provides up to $10,000 as a 0% forgivable second mortgage over 10 years for first-time buyers purchasing inside Duval County limits.
Repayment: A recorded lien that is forgiven over time while you occupy the home. Sell or refinance early and the unforgiven balance is due.
GrantCity or county
metroDPA · metrodpa.org
- Assistance
- up to 5%
- Where
- CO
- Min credit
- 640
- First-time buyer
- Not required
City and County of Denver's metroDPA offers a forgivable grant of up to 5% of the loan amount for buyers of primary residences in the Denver-metro region. Layers with FHA, VA, USDA, or Conventional first mortgages. Income limits apply.
Repayment: Does not have to be repaid if you meet the program's conditions.
Forgivable second mortgageCity or county
Miami-Dade County
- Assistance
- up to $28,500
- Where
- FL
- Min credit
- 640
- First-time buyer
- Required
Miami-Dade County Public Housing and Community Development offers deferred second-mortgage DPA up to $28,500 for income-qualified first-time buyers purchasing inside county limits. Loan is forgiven proportionally over 30 years of continuous owner-occupancy.
Repayment: A recorded lien that is forgiven over time while you occupy the home. Sell or refinance early and the unforgiven balance is due.
Forgivable second mortgageCity or county
Orange County, FL
- Assistance
- up to $60,000
- Where
- FL
- Min credit
- 640
- First-time buyer
- Required
Orange County Housing & Community Development offers up to $60,000 for income-qualified buyers of homes inside Orange County (excludes Orlando city limits which have their own program). Provided as a 0%, deferred, forgivable second mortgage.
Repayment: A recorded lien that is forgiven over time while you occupy the home. Sell or refinance early and the unforgiven balance is due.
Deferred second mortgageState housing finance agency
ADFA
- Assistance
- Amount varies — verify with the administrator
- Where
- AR
- Min credit
- 620
- First-time buyer
- Not required
State Housing Finance Agency first-mortgage plus down payment and closing cost assistance for eligible primary-residence buyers in AR. Structures include grants, forgivable second liens and 0% deferred seconds depending on the loan option chosen. Income, purchase price and credit limits vary by county and program tier — verify current terms on the agency's own site.
Repayment: A recorded lien with no monthly payment. The full balance comes due on sale, refinance, transfer or payoff of the first mortgage.
Deferred second mortgageState housing finance agency
AHFA
- Assistance
- Amount varies — verify with the administrator
- Where
- AL
- Min credit
- 620
- First-time buyer
- Not required
State Housing Finance Agency first-mortgage plus down payment and closing cost assistance for eligible primary-residence buyers in AL. Structures include grants, forgivable second liens and 0% deferred seconds depending on the loan option chosen. Income, purchase price and credit limits vary by county and program tier — verify current terms on the agency's own site.
Repayment: A recorded lien with no monthly payment. The full balance comes due on sale, refinance, transfer or payoff of the first mortgage.
Deferred second mortgageState housing finance agency
AHFC
- Assistance
- Amount varies — verify with the administrator
- Where
- AK
- Min credit
- 620
- First-time buyer
- Not required
State Housing Finance Agency first-mortgage plus down payment and closing cost assistance for eligible primary-residence buyers in AK. Structures include grants, forgivable second liens and 0% deferred seconds depending on the loan option chosen. Income, purchase price and credit limits vary by county and program tier — verify current terms on the agency's own site.
Repayment: A recorded lien with no monthly payment. The full balance comes due on sale, refinance, transfer or payoff of the first mortgage.
Deferred second mortgageState housing finance agency
AZIDA · Home Plus
- Assistance
- Amount varies — verify with the administrator
- Where
- AZ
- Min credit
- 620
- First-time buyer
- Not required
State Housing Finance Agency first-mortgage plus down payment and closing cost assistance for eligible primary-residence buyers in AZ. Structures include grants, forgivable second liens and 0% deferred seconds depending on the loan option chosen. Income, purchase price and credit limits vary by county and program tier — verify current terms on the agency's own site.
Repayment: A recorded lien with no monthly payment. The full balance comes due on sale, refinance, transfer or payoff of the first mortgage.
Deferred second mortgageState housing finance agency
CalHFA
- Assistance
- Amount varies — verify with the administrator
- Where
- CA
- Min credit
- 620
- First-time buyer
- Not required
State Housing Finance Agency first-mortgage plus down payment and closing cost assistance for eligible primary-residence buyers in CA. Structures include grants, forgivable second liens and 0% deferred seconds depending on the loan option chosen. Income, purchase price and credit limits vary by county and program tier — verify current terms on the agency's own site.
Repayment: A recorded lien with no monthly payment. The full balance comes due on sale, refinance, transfer or payoff of the first mortgage.
Deferred second mortgageState housing finance agency
CHFA · chfainfo.com
- Assistance
- up to 4%
- Where
- CO
- Min credit
- 620
- First-time buyer
- Required
Colorado Housing and Finance Authority first-time buyer program with a 30-year fixed FHA mortgage. Pairs with CHFA DPA Grant (up to 3% of first-mortgage amount) or CHFA Second Mortgage Loan (up to 4% of first-mortgage amount, 0% deferred). Income and purchase-price limits vary by county.
Repayment: A recorded lien with no monthly payment. The full balance comes due on sale, refinance, transfer or payoff of the first mortgage.
Deferred second mortgageState housing finance agency
CHFA · chfainfo.com
- Assistance
- up to 4%
- Where
- CO
- Min credit
- 620
- First-time buyer
- Not required
CHFA's HFA Preferred conventional (Fannie Mae) product with reduced MI and CHFA DPA Grant or Second Mortgage Loan of up to 3–4% of the first mortgage. Available to first-time and non-first-time buyers subject to CHFA income limits.
Repayment: A recorded lien with no monthly payment. The full balance comes due on sale, refinance, transfer or payoff of the first mortgage.
Deferred second mortgageState housing finance agency
CHFA CT
- Assistance
- Amount varies — verify with the administrator
- Where
- CT
- Min credit
- 620
- First-time buyer
- Not required
State Housing Finance Agency first-mortgage plus down payment and closing cost assistance for eligible primary-residence buyers in CT. Structures include grants, forgivable second liens and 0% deferred seconds depending on the loan option chosen. Income, purchase price and credit limits vary by county and program tier — verify current terms on the agency's own site.
Repayment: A recorded lien with no monthly payment. The full balance comes due on sale, refinance, transfer or payoff of the first mortgage.
Deferred second mortgageState housing finance agency
DC DHCD · HPAP
- Assistance
- Amount varies — verify with the administrator
- Where
- DC
- Min credit
- 620
- First-time buyer
- Not required
State Housing Finance Agency first-mortgage plus down payment and closing cost assistance for eligible primary-residence buyers in DC. Structures include grants, forgivable second liens and 0% deferred seconds depending on the loan option chosen. Income, purchase price and credit limits vary by county and program tier — verify current terms on the agency's own site.
Repayment: A recorded lien with no monthly payment. The full balance comes due on sale, refinance, transfer or payoff of the first mortgage.
Deferred second mortgageState housing finance agency
DSHA
- Assistance
- Amount varies — verify with the administrator
- Where
- DE
- Min credit
- 620
- First-time buyer
- Not required
State Housing Finance Agency first-mortgage plus down payment and closing cost assistance for eligible primary-residence buyers in DE. Structures include grants, forgivable second liens and 0% deferred seconds depending on the loan option chosen. Income, purchase price and credit limits vary by county and program tier — verify current terms on the agency's own site.
Repayment: A recorded lien with no monthly payment. The full balance comes due on sale, refinance, transfer or payoff of the first mortgage.
Deferred second mortgageState housing finance agency
Florida Housing · floridahousing.org
- Assistance
- up to $10,000
- Where
- FL
- Min credit
- 640
- First-time buyer
- Required
Florida Housing FL Assist offers up to $10,000 as a 0%, non-amortizing, deferred second mortgage that becomes due upon sale, refinance, transfer, or when the first mortgage is satisfied. Pairs with FL Housing first-mortgage programs (FHA, VA, USDA, Conventional).
Repayment: A recorded lien with no monthly payment. The full balance comes due on sale, refinance, transfer or payoff of the first mortgage.
Deferred second mortgageState housing finance agency
Florida Housing · floridahousing.org
- Assistance
- up to 5% · up to $35,000
- Where
- FL
- Min credit
- 640
- First-time buyer
- Required
Florida Housing program for eligible frontline workers (educators, first responders, healthcare, active military, and other qualifying professions) offering up to 5% of the first-mortgage amount, capped at $35,000, as a 0%, non-amortizing second mortgage. First-time buyer required and buyer must be employed full-time by a Florida-based employer.
Repayment: A recorded lien with no monthly payment. The full balance comes due on sale, refinance, transfer or payoff of the first mortgage.
Deferred second mortgageState housing finance agency
Georgia Dream
- Assistance
- Amount varies — verify with the administrator
- Where
- GA
- Min credit
- 620
- First-time buyer
- Not required
State Housing Finance Agency first-mortgage plus down payment and closing cost assistance for eligible primary-residence buyers in GA. Structures include grants, forgivable second liens and 0% deferred seconds depending on the loan option chosen. Income, purchase price and credit limits vary by county and program tier — verify current terms on the agency's own site.
Repayment: A recorded lien with no monthly payment. The full balance comes due on sale, refinance, transfer or payoff of the first mortgage.
Deferred second mortgageState housing finance agency
HHFDC
- Assistance
- Amount varies — verify with the administrator
- Where
- HI
- Min credit
- 620
- First-time buyer
- Not required
State Housing Finance Agency first-mortgage plus down payment and closing cost assistance for eligible primary-residence buyers in HI. Structures include grants, forgivable second liens and 0% deferred seconds depending on the loan option chosen. Income, purchase price and credit limits vary by county and program tier — verify current terms on the agency's own site.
Repayment: A recorded lien with no monthly payment. The full balance comes due on sale, refinance, transfer or payoff of the first mortgage.
Repayable second mortgageState housing finance agency
Florida Housing · floridahousing.org
- Assistance
- up to $10,000
- Where
- FL
- Min credit
- 640
- First-time buyer
- Required
Florida Housing HLP provides up to $10,000 at 3% interest as a fully amortizing 15-year second mortgage layered with a Florida Housing first mortgage. First-time buyer requirement and monthly payment underwritten in DTI.
Repayment: A recorded lien with a monthly payment that is underwritten into your debt-to-income ratio. It is a loan, not a gift.
Deferred second mortgageState housing finance agency
IHFA
- Assistance
- Amount varies — verify with the administrator
- Where
- ID
- Min credit
- 620
- First-time buyer
- Not required
State Housing Finance Agency first-mortgage plus down payment and closing cost assistance for eligible primary-residence buyers in ID. Structures include grants, forgivable second liens and 0% deferred seconds depending on the loan option chosen. Income, purchase price and credit limits vary by county and program tier — verify current terms on the agency's own site.
Repayment: A recorded lien with no monthly payment. The full balance comes due on sale, refinance, transfer or payoff of the first mortgage.
Deferred second mortgageState housing finance agency
IHCDA
- Assistance
- Amount varies — verify with the administrator
- Where
- IN
- Min credit
- 620
- First-time buyer
- Not required
State Housing Finance Agency first-mortgage plus down payment and closing cost assistance for eligible primary-residence buyers in IN. Structures include grants, forgivable second liens and 0% deferred seconds depending on the loan option chosen. Income, purchase price and credit limits vary by county and program tier — verify current terms on the agency's own site.
Repayment: A recorded lien with no monthly payment. The full balance comes due on sale, refinance, transfer or payoff of the first mortgage.
Deferred second mortgageState housing finance agency
IHDA
- Assistance
- Amount varies — verify with the administrator
- Where
- IL
- Min credit
- 620
- First-time buyer
- Not required
State Housing Finance Agency first-mortgage plus down payment and closing cost assistance for eligible primary-residence buyers in IL. Structures include grants, forgivable second liens and 0% deferred seconds depending on the loan option chosen. Income, purchase price and credit limits vary by county and program tier — verify current terms on the agency's own site.
Repayment: A recorded lien with no monthly payment. The full balance comes due on sale, refinance, transfer or payoff of the first mortgage.
Deferred second mortgageState housing finance agency
IFA
- Assistance
- Amount varies — verify with the administrator
- Where
- IA
- Min credit
- 620
- First-time buyer
- Not required
State Housing Finance Agency first-mortgage plus down payment and closing cost assistance for eligible primary-residence buyers in IA. Structures include grants, forgivable second liens and 0% deferred seconds depending on the loan option chosen. Income, purchase price and credit limits vary by county and program tier — verify current terms on the agency's own site.
Repayment: A recorded lien with no monthly payment. The full balance comes due on sale, refinance, transfer or payoff of the first mortgage.
Deferred second mortgageState housing finance agency
KHRC
- Assistance
- Amount varies — verify with the administrator
- Where
- KS
- Min credit
- 620
- First-time buyer
- Not required
State Housing Finance Agency first-mortgage plus down payment and closing cost assistance for eligible primary-residence buyers in KS. Structures include grants, forgivable second liens and 0% deferred seconds depending on the loan option chosen. Income, purchase price and credit limits vary by county and program tier — verify current terms on the agency's own site.
Repayment: A recorded lien with no monthly payment. The full balance comes due on sale, refinance, transfer or payoff of the first mortgage.
Deferred second mortgageState housing finance agency
KHC
- Assistance
- Amount varies — verify with the administrator
- Where
- KY
- Min credit
- 620
- First-time buyer
- Not required
State Housing Finance Agency first-mortgage plus down payment and closing cost assistance for eligible primary-residence buyers in KY. Structures include grants, forgivable second liens and 0% deferred seconds depending on the loan option chosen. Income, purchase price and credit limits vary by county and program tier — verify current terms on the agency's own site.
Repayment: A recorded lien with no monthly payment. The full balance comes due on sale, refinance, transfer or payoff of the first mortgage.
Deferred second mortgageState housing finance agency
LHC
- Assistance
- Amount varies — verify with the administrator
- Where
- LA
- Min credit
- 620
- First-time buyer
- Not required
State Housing Finance Agency first-mortgage plus down payment and closing cost assistance for eligible primary-residence buyers in LA. Structures include grants, forgivable second liens and 0% deferred seconds depending on the loan option chosen. Income, purchase price and credit limits vary by county and program tier — verify current terms on the agency's own site.
Repayment: A recorded lien with no monthly payment. The full balance comes due on sale, refinance, transfer or payoff of the first mortgage.
Deferred second mortgageState housing finance agency
MaineHousing
- Assistance
- Amount varies — verify with the administrator
- Where
- ME
- Min credit
- 620
- First-time buyer
- Not required
State Housing Finance Agency first-mortgage plus down payment and closing cost assistance for eligible primary-residence buyers in ME. Structures include grants, forgivable second liens and 0% deferred seconds depending on the loan option chosen. Income, purchase price and credit limits vary by county and program tier — verify current terms on the agency's own site.
Repayment: A recorded lien with no monthly payment. The full balance comes due on sale, refinance, transfer or payoff of the first mortgage.
Deferred second mortgageState housing finance agency
MMP
- Assistance
- Amount varies — verify with the administrator
- Where
- MD
- Min credit
- 620
- First-time buyer
- Not required
State Housing Finance Agency first-mortgage plus down payment and closing cost assistance for eligible primary-residence buyers in MD. Structures include grants, forgivable second liens and 0% deferred seconds depending on the loan option chosen. Income, purchase price and credit limits vary by county and program tier — verify current terms on the agency's own site.
Repayment: A recorded lien with no monthly payment. The full balance comes due on sale, refinance, transfer or payoff of the first mortgage.
Deferred second mortgageState housing finance agency
MassHousing
- Assistance
- Amount varies — verify with the administrator
- Where
- MA
- Min credit
- 620
- First-time buyer
- Not required
State Housing Finance Agency first-mortgage plus down payment and closing cost assistance for eligible primary-residence buyers in MA. Structures include grants, forgivable second liens and 0% deferred seconds depending on the loan option chosen. Income, purchase price and credit limits vary by county and program tier — verify current terms on the agency's own site.
Repayment: A recorded lien with no monthly payment. The full balance comes due on sale, refinance, transfer or payoff of the first mortgage.
Deferred second mortgageState housing finance agency
MFA
- Assistance
- Amount varies — verify with the administrator
- Where
- NM
- Min credit
- 620
- First-time buyer
- Not required
State Housing Finance Agency first-mortgage plus down payment and closing cost assistance for eligible primary-residence buyers in NM. Structures include grants, forgivable second liens and 0% deferred seconds depending on the loan option chosen. Income, purchase price and credit limits vary by county and program tier — verify current terms on the agency's own site.
Repayment: A recorded lien with no monthly payment. The full balance comes due on sale, refinance, transfer or payoff of the first mortgage.
Deferred second mortgageState housing finance agency
MHDC
- Assistance
- Amount varies — verify with the administrator
- Where
- MO
- Min credit
- 620
- First-time buyer
- Not required
State Housing Finance Agency first-mortgage plus down payment and closing cost assistance for eligible primary-residence buyers in MO. Structures include grants, forgivable second liens and 0% deferred seconds depending on the loan option chosen. Income, purchase price and credit limits vary by county and program tier — verify current terms on the agency's own site.
Repayment: A recorded lien with no monthly payment. The full balance comes due on sale, refinance, transfer or payoff of the first mortgage.
Deferred second mortgageState housing finance agency
Minnesota Housing
- Assistance
- Amount varies — verify with the administrator
- Where
- MN
- Min credit
- 620
- First-time buyer
- Not required
State Housing Finance Agency first-mortgage plus down payment and closing cost assistance for eligible primary-residence buyers in MN. Structures include grants, forgivable second liens and 0% deferred seconds depending on the loan option chosen. Income, purchase price and credit limits vary by county and program tier — verify current terms on the agency's own site.
Repayment: A recorded lien with no monthly payment. The full balance comes due on sale, refinance, transfer or payoff of the first mortgage.
Deferred second mortgageState housing finance agency
MS Home Corp
- Assistance
- Amount varies — verify with the administrator
- Where
- MS
- Min credit
- 620
- First-time buyer
- Not required
State Housing Finance Agency first-mortgage plus down payment and closing cost assistance for eligible primary-residence buyers in MS. Structures include grants, forgivable second liens and 0% deferred seconds depending on the loan option chosen. Income, purchase price and credit limits vary by county and program tier — verify current terms on the agency's own site.
Repayment: A recorded lien with no monthly payment. The full balance comes due on sale, refinance, transfer or payoff of the first mortgage.
Deferred second mortgageState housing finance agency
Montana Housing
- Assistance
- Amount varies — verify with the administrator
- Where
- MT
- Min credit
- 620
- First-time buyer
- Not required
State Housing Finance Agency first-mortgage plus down payment and closing cost assistance for eligible primary-residence buyers in MT. Structures include grants, forgivable second liens and 0% deferred seconds depending on the loan option chosen. Income, purchase price and credit limits vary by county and program tier — verify current terms on the agency's own site.
Repayment: A recorded lien with no monthly payment. The full balance comes due on sale, refinance, transfer or payoff of the first mortgage.
Deferred second mortgageState housing finance agency
MSHDA
- Assistance
- Amount varies — verify with the administrator
- Where
- MI
- Min credit
- 620
- First-time buyer
- Not required
State Housing Finance Agency first-mortgage plus down payment and closing cost assistance for eligible primary-residence buyers in MI. Structures include grants, forgivable second liens and 0% deferred seconds depending on the loan option chosen. Income, purchase price and credit limits vary by county and program tier — verify current terms on the agency's own site.
Repayment: A recorded lien with no monthly payment. The full balance comes due on sale, refinance, transfer or payoff of the first mortgage.
Deferred second mortgageState housing finance agency
NCHFA
- Assistance
- Amount varies — verify with the administrator
- Where
- NC
- Min credit
- 620
- First-time buyer
- Not required
State Housing Finance Agency first-mortgage plus down payment and closing cost assistance for eligible primary-residence buyers in NC. Structures include grants, forgivable second liens and 0% deferred seconds depending on the loan option chosen. Income, purchase price and credit limits vary by county and program tier — verify current terms on the agency's own site.
Repayment: A recorded lien with no monthly payment. The full balance comes due on sale, refinance, transfer or payoff of the first mortgage.
Forgivable second mortgageState housing finance agency
Nevada Housing Division · housing.nv.gov
- Assistance
- Typically up to 4% of the loan amount
- Where
- NV
- Min credit
- 640
- First-time buyer
- Not required
Nevada's statewide down payment assistance, offered with a Home Is Possible first mortgage. Assistance is provided as a percentage of the loan amount toward down payment and closing costs, with forgivable and repayable structures depending on the option selected. Income and purchase-price limits are set by the Nevada Housing Division and vary by county.
Repayment: A recorded lien that is forgiven over time while you occupy the home. Sell or refinance early and the unforgiven balance is due.
Deferred second mortgageState housing finance agency
NH Housing
- Assistance
- Amount varies — verify with the administrator
- Where
- NH
- Min credit
- 620
- First-time buyer
- Not required
State Housing Finance Agency first-mortgage plus down payment and closing cost assistance for eligible primary-residence buyers in NH. Structures include grants, forgivable second liens and 0% deferred seconds depending on the loan option chosen. Income, purchase price and credit limits vary by county and program tier — verify current terms on the agency's own site.
Repayment: A recorded lien with no monthly payment. The full balance comes due on sale, refinance, transfer or payoff of the first mortgage.
Deferred second mortgageState housing finance agency
NIFA
- Assistance
- Amount varies — verify with the administrator
- Where
- NE
- Min credit
- 620
- First-time buyer
- Not required
State Housing Finance Agency first-mortgage plus down payment and closing cost assistance for eligible primary-residence buyers in NE. Structures include grants, forgivable second liens and 0% deferred seconds depending on the loan option chosen. Income, purchase price and credit limits vary by county and program tier — verify current terms on the agency's own site.
Repayment: A recorded lien with no monthly payment. The full balance comes due on sale, refinance, transfer or payoff of the first mortgage.
Deferred second mortgageState housing finance agency
NJHMFA
- Assistance
- Amount varies — verify with the administrator
- Where
- NJ
- Min credit
- 620
- First-time buyer
- Not required
State Housing Finance Agency first-mortgage plus down payment and closing cost assistance for eligible primary-residence buyers in NJ. Structures include grants, forgivable second liens and 0% deferred seconds depending on the loan option chosen. Income, purchase price and credit limits vary by county and program tier — verify current terms on the agency's own site.
Repayment: A recorded lien with no monthly payment. The full balance comes due on sale, refinance, transfer or payoff of the first mortgage.
Deferred second mortgageState housing finance agency
NDHFA
- Assistance
- Amount varies — verify with the administrator
- Where
- ND
- Min credit
- 620
- First-time buyer
- Not required
State Housing Finance Agency first-mortgage plus down payment and closing cost assistance for eligible primary-residence buyers in ND. Structures include grants, forgivable second liens and 0% deferred seconds depending on the loan option chosen. Income, purchase price and credit limits vary by county and program tier — verify current terms on the agency's own site.
Repayment: A recorded lien with no monthly payment. The full balance comes due on sale, refinance, transfer or payoff of the first mortgage.
Deferred second mortgageState housing finance agency
OHFA
- Assistance
- Amount varies — verify with the administrator
- Where
- OH
- Min credit
- 620
- First-time buyer
- Not required
State Housing Finance Agency first-mortgage plus down payment and closing cost assistance for eligible primary-residence buyers in OH. Structures include grants, forgivable second liens and 0% deferred seconds depending on the loan option chosen. Income, purchase price and credit limits vary by county and program tier — verify current terms on the agency's own site.
Repayment: A recorded lien with no monthly payment. The full balance comes due on sale, refinance, transfer or payoff of the first mortgage.
Deferred second mortgageState housing finance agency
OHFA OK
- Assistance
- Amount varies — verify with the administrator
- Where
- OK
- Min credit
- 620
- First-time buyer
- Not required
State Housing Finance Agency first-mortgage plus down payment and closing cost assistance for eligible primary-residence buyers in OK. Structures include grants, forgivable second liens and 0% deferred seconds depending on the loan option chosen. Income, purchase price and credit limits vary by county and program tier — verify current terms on the agency's own site.
Repayment: A recorded lien with no monthly payment. The full balance comes due on sale, refinance, transfer or payoff of the first mortgage.
Deferred second mortgageState housing finance agency
OHCS
- Assistance
- Amount varies — verify with the administrator
- Where
- OR
- Min credit
- 620
- First-time buyer
- Not required
State Housing Finance Agency first-mortgage plus down payment and closing cost assistance for eligible primary-residence buyers in OR. Structures include grants, forgivable second liens and 0% deferred seconds depending on the loan option chosen. Income, purchase price and credit limits vary by county and program tier — verify current terms on the agency's own site.
Repayment: A recorded lien with no monthly payment. The full balance comes due on sale, refinance, transfer or payoff of the first mortgage.
Deferred second mortgageState housing finance agency
PHFA
- Assistance
- Amount varies — verify with the administrator
- Where
- PA
- Min credit
- 620
- First-time buyer
- Not required
State Housing Finance Agency first-mortgage plus down payment and closing cost assistance for eligible primary-residence buyers in PA. Structures include grants, forgivable second liens and 0% deferred seconds depending on the loan option chosen. Income, purchase price and credit limits vary by county and program tier — verify current terms on the agency's own site.
Repayment: A recorded lien with no monthly payment. The full balance comes due on sale, refinance, transfer or payoff of the first mortgage.
Deferred second mortgageState housing finance agency
RIHousing
- Assistance
- Amount varies — verify with the administrator
- Where
- RI
- Min credit
- 620
- First-time buyer
- Not required
State Housing Finance Agency first-mortgage plus down payment and closing cost assistance for eligible primary-residence buyers in RI. Structures include grants, forgivable second liens and 0% deferred seconds depending on the loan option chosen. Income, purchase price and credit limits vary by county and program tier — verify current terms on the agency's own site.
Repayment: A recorded lien with no monthly payment. The full balance comes due on sale, refinance, transfer or payoff of the first mortgage.
Deferred second mortgageState housing finance agency
SC Housing
- Assistance
- Amount varies — verify with the administrator
- Where
- SC
- Min credit
- 620
- First-time buyer
- Not required
State Housing Finance Agency first-mortgage plus down payment and closing cost assistance for eligible primary-residence buyers in SC. Structures include grants, forgivable second liens and 0% deferred seconds depending on the loan option chosen. Income, purchase price and credit limits vary by county and program tier — verify current terms on the agency's own site.
Repayment: A recorded lien with no monthly payment. The full balance comes due on sale, refinance, transfer or payoff of the first mortgage.
Deferred second mortgageState housing finance agency
SD Housing
- Assistance
- Amount varies — verify with the administrator
- Where
- SD
- Min credit
- 620
- First-time buyer
- Not required
State Housing Finance Agency first-mortgage plus down payment and closing cost assistance for eligible primary-residence buyers in SD. Structures include grants, forgivable second liens and 0% deferred seconds depending on the loan option chosen. Income, purchase price and credit limits vary by county and program tier — verify current terms on the agency's own site.
Repayment: A recorded lien with no monthly payment. The full balance comes due on sale, refinance, transfer or payoff of the first mortgage.
Deferred second mortgageState housing finance agency
SONYMA
- Assistance
- Amount varies — verify with the administrator
- Where
- NY
- Min credit
- 620
- First-time buyer
- Not required
State Housing Finance Agency first-mortgage plus down payment and closing cost assistance for eligible primary-residence buyers in NY. Structures include grants, forgivable second liens and 0% deferred seconds depending on the loan option chosen. Income, purchase price and credit limits vary by county and program tier — verify current terms on the agency's own site.
Repayment: A recorded lien with no monthly payment. The full balance comes due on sale, refinance, transfer or payoff of the first mortgage.
Deferred second mortgageState housing finance agency
TDHCA
- Assistance
- Amount varies — verify with the administrator
- Where
- TX
- Min credit
- 620
- First-time buyer
- Not required
State Housing Finance Agency first-mortgage plus down payment and closing cost assistance for eligible primary-residence buyers in TX. Structures include grants, forgivable second liens and 0% deferred seconds depending on the loan option chosen. Income, purchase price and credit limits vary by county and program tier — verify current terms on the agency's own site.
Repayment: A recorded lien with no monthly payment. The full balance comes due on sale, refinance, transfer or payoff of the first mortgage.
Deferred second mortgageState housing finance agency
THDA
- Assistance
- Amount varies — verify with the administrator
- Where
- TN
- Min credit
- 620
- First-time buyer
- Not required
State Housing Finance Agency first-mortgage plus down payment and closing cost assistance for eligible primary-residence buyers in TN. Structures include grants, forgivable second liens and 0% deferred seconds depending on the loan option chosen. Income, purchase price and credit limits vary by county and program tier — verify current terms on the agency's own site.
Repayment: A recorded lien with no monthly payment. The full balance comes due on sale, refinance, transfer or payoff of the first mortgage.
Deferred second mortgageState housing finance agency
TSAHC
- Assistance
- Amount varies — verify with the administrator
- Where
- TX
- Min credit
- 620
- First-time buyer
- Not required
State Housing Finance Agency first-mortgage plus down payment and closing cost assistance for eligible primary-residence buyers in TX. Structures include grants, forgivable second liens and 0% deferred seconds depending on the loan option chosen. Income, purchase price and credit limits vary by county and program tier — verify current terms on the agency's own site.
Repayment: A recorded lien with no monthly payment. The full balance comes due on sale, refinance, transfer or payoff of the first mortgage.
Deferred second mortgageState housing finance agency
Utah Housing
- Assistance
- Amount varies — verify with the administrator
- Where
- UT
- Min credit
- 620
- First-time buyer
- Not required
State Housing Finance Agency first-mortgage plus down payment and closing cost assistance for eligible primary-residence buyers in UT. Structures include grants, forgivable second liens and 0% deferred seconds depending on the loan option chosen. Income, purchase price and credit limits vary by county and program tier — verify current terms on the agency's own site.
Repayment: A recorded lien with no monthly payment. The full balance comes due on sale, refinance, transfer or payoff of the first mortgage.
Deferred second mortgageState housing finance agency
VHFA
- Assistance
- Amount varies — verify with the administrator
- Where
- VT
- Min credit
- 620
- First-time buyer
- Not required
State Housing Finance Agency first-mortgage plus down payment and closing cost assistance for eligible primary-residence buyers in VT. Structures include grants, forgivable second liens and 0% deferred seconds depending on the loan option chosen. Income, purchase price and credit limits vary by county and program tier — verify current terms on the agency's own site.
Repayment: A recorded lien with no monthly payment. The full balance comes due on sale, refinance, transfer or payoff of the first mortgage.
Deferred second mortgageState housing finance agency
Virginia Housing
- Assistance
- Amount varies — verify with the administrator
- Where
- VA
- Min credit
- 620
- First-time buyer
- Not required
State Housing Finance Agency first-mortgage plus down payment and closing cost assistance for eligible primary-residence buyers in VA. Structures include grants, forgivable second liens and 0% deferred seconds depending on the loan option chosen. Income, purchase price and credit limits vary by county and program tier — verify current terms on the agency's own site.
Repayment: A recorded lien with no monthly payment. The full balance comes due on sale, refinance, transfer or payoff of the first mortgage.
Deferred second mortgageState housing finance agency
WHEDA
- Assistance
- Amount varies — verify with the administrator
- Where
- WI
- Min credit
- 620
- First-time buyer
- Not required
State Housing Finance Agency first-mortgage plus down payment and closing cost assistance for eligible primary-residence buyers in WI. Structures include grants, forgivable second liens and 0% deferred seconds depending on the loan option chosen. Income, purchase price and credit limits vary by county and program tier — verify current terms on the agency's own site.
Repayment: A recorded lien with no monthly payment. The full balance comes due on sale, refinance, transfer or payoff of the first mortgage.
Deferred second mortgageState housing finance agency
WSHFC
- Assistance
- Amount varies — verify with the administrator
- Where
- WA
- Min credit
- 620
- First-time buyer
- Not required
State Housing Finance Agency first-mortgage plus down payment and closing cost assistance for eligible primary-residence buyers in WA. Structures include grants, forgivable second liens and 0% deferred seconds depending on the loan option chosen. Income, purchase price and credit limits vary by county and program tier — verify current terms on the agency's own site.
Repayment: A recorded lien with no monthly payment. The full balance comes due on sale, refinance, transfer or payoff of the first mortgage.
Deferred second mortgageState housing finance agency
WVHDF
- Assistance
- Amount varies — verify with the administrator
- Where
- WV
- Min credit
- 620
- First-time buyer
- Not required
State Housing Finance Agency first-mortgage plus down payment and closing cost assistance for eligible primary-residence buyers in WV. Structures include grants, forgivable second liens and 0% deferred seconds depending on the loan option chosen. Income, purchase price and credit limits vary by county and program tier — verify current terms on the agency's own site.
Repayment: A recorded lien with no monthly payment. The full balance comes due on sale, refinance, transfer or payoff of the first mortgage.
Deferred second mortgageState housing finance agency
WCDA
- Assistance
- Amount varies — verify with the administrator
- Where
- WY
- Min credit
- 620
- First-time buyer
- Not required
State Housing Finance Agency first-mortgage plus down payment and closing cost assistance for eligible primary-residence buyers in WY. Structures include grants, forgivable second liens and 0% deferred seconds depending on the loan option chosen. Income, purchase price and credit limits vary by county and program tier — verify current terms on the agency's own site.
Repayment: A recorded lien with no monthly payment. The full balance comes due on sale, refinance, transfer or payoff of the first mortgage.
Simply Approved Mortgages LLC | NMLS #2620881
Florida Branch Office (Miami, FL) | Branch NMLS #2688012
Florida Mortgage Broker License #MBR7685 | Colorado Mortgage Company Registration
Business Phone: (877) 813-7219
Equal Housing Opportunity
Broker identification. Simply Approved Mortgages LLC is a mortgage broker and is not a direct lender. We arrange residential mortgage loans with third-party lenders and do not make the lender's final credit decision or fund the loan. We arrange residential mortgage loans in Florida and Colorado.
Down payment assistance programs. Down payment and closing-cost assistance programs listed or referenced on this site may be administered by third parties, including state housing finance agencies, cities, counties, Federal Home Loan Banks, nonprofit organizations, lenders, and other program sponsors. Simply Approved Mortgages LLC does not administer, control, fund, or guarantee third-party assistance unless expressly stated otherwise.
Listing or displaying a program does not constitute an offer of that program, a representation that funding is currently available, or a determination that a borrower or property qualifies. Program availability, funding, assistance amounts, income limits, purchase-price limits, credit requirements, occupancy requirements, geographic restrictions, homebuyer education requirements, participating-lender requirements, repayment terms, and other eligibility criteria vary by program and may change or become unavailable without notice. Eligibility and current program terms must be confirmed for the particular transaction.
Types of assistance. Down payment or closing-cost assistance may be structured as a grant, forgivable loan, deferred-payment loan, repayable second mortgage or other form of assistance. Assistance structured as a lien or secondary financing may be subject to repayment, forgiveness, occupancy, resale, refinance, or other conditions. Assistance should not be considered "free money" unless the applicable program documents expressly provide that the assistance is a grant with no repayment obligation.
Receiving or potentially qualifying for down payment assistance does not guarantee mortgage approval, guarantee receipt of assistance, or necessarily eliminate all funds that a borrower may be required to contribute to a transaction.
Credit and program terms. All loans are subject to lender credit approval, underwriting, acceptable appraisal, title review, insurance, and supporting documentation. Eligibility, programs, rates, APRs, points, fees, payments, terms, loan amounts, down-payment requirements, and availability may vary based on borrower, property, occupancy, credit profile, loan-to-value ratio, debt-to-income ratio, lender, assistance program, and location and may change without notice. Not all borrowers, properties, products, or programs will qualify or be available in every location. Nothing on this site constitutes a loan approval, rate lock, offer, commitment to lend, guarantee of assistance, or guarantee of closing.
Rates, payments and calculators. Rates, APRs, payments, down payments, estimated assistance amounts, affordability, home prices, closing costs, savings, and other calculator or scenario results displayed on this site are estimates or illustrations unless expressly stated otherwise. Actual eligibility, assistance, and loan terms may differ. Taxes, homeowners insurance, mortgage insurance, association dues, lender charges, broker compensation, discount points, third-party charges, and other costs may apply. Advertised rates, payments, APRs, down payments, and other credit terms are subject to the assumptions and disclosures presented with the applicable advertisement.
Government affiliation. Simply Approved Mortgages LLC is not a government agency and is not affiliated with, acting on behalf of, sponsored by, or endorsed by HUD, FHA, VA, USDA, any housing finance agency, or any other federal, state, or local government agency. References to government agencies, housing authorities, assistance programs, data, forms, or resources are provided for informational purposes and do not imply sponsorship or endorsement of Simply Approved Mortgages LLC.
Fair lending. Equal Housing Opportunity. Simply Approved Mortgages LLC conducts business in accordance with applicable federal and state fair-housing and equal-credit-opportunity laws and does not discriminate on any prohibited basis.
No professional advice. Content on this site is educational and general in nature and is not legal, tax, accounting, financial, or investment advice. Borrowers should review the applicable program documents and consult qualified professionals regarding their individual circumstances.
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