First Time Home Buyer Programs

First Time Home Buyer Programs

Complete First Time Home Buyer Programs Available in Every State.

One of the most challenging obstacles to buying your first home is saving enough money for the down payment and closing costs. By definition, first time home buyers do not own a home and therefore must currently be renting. How can you pay rent and save for a down payment at the same time? For many people, it is virtually impossible.

Consider that people who already have their own home have likely experienced a period of substantial appreciation in property values in the past 3 to 4 years. If they need to sell their current home and purchase another, this appreciation can be used for the down payment on their next home. First time home buyers do not have any home value appreciation to benefit from. The federal and state governments recognize these facts and have developed an array of first time home buyer programs.

Many states offer outright cash grants for the down payment and closing costs to first time home buyers who meet certain income qualifications. We’ve organized all this state grant information in an easy to use format. Check out First Time Home Buyer Grants for all the details.

Besides cash grants, nearly every state has additional first time home buyer programs. These are primarily one variation or another of low-interest mortgage loans, as well as educational seminars. These programs make it possible for first time home buyers to afford a mortgage when they would not be able to do so the conventional way. In most cases, the savings in interest costs is in the tens of thousands of dollars. Listed below is complete information on these programs.

Directory of State First Time Home Buyer Programs

Alabama: The state of Alabama offers several first time home buyer programs. For information on what is available, please visit Alabama First Time Home Buyer Programs.

Alaska: The state of Alaska offers several first time home buyer programs. For information on what is available, please visit Alaska First Time Home Buyer Programs.

Arizona: The state of Arizona offers several first time home buyer programs. For information on what is available, please go to Arizona First Time Home Buyer Programs.

Arkansas: The state of Arkansas offers several first time home buyer programs. For information on what is available, please visit Arkansas First Time Home Buyer Programs.

California: The state of California offers multiple state as well as local first time home buyer programs. For information on the program details, please go to California First Time Home Buyer Programs.

Colorado: The state of Colorado offers only one first time home buyer program, but there are plenty of local programs within the state. For information on its details, please go to Colorado First Time Home Buyer Programs.

Connecticut: The state of Connecticut offers one first time home buyer program, and there are multiple programs offered by various cities in CT. For information on the program details, please visit Connecticut First Time Home Buyer Programs.

Delaware: The state of Delaware offers a single first time home buyer program. For information on the program details, please visit Delaware First Time Home Buyer Program.

Florida: The state of Florida offers several first time home buyer programs. For information on these programs, please check out Florida First Time Home Buyer Programs.

Georgia: The state of Georgia offers several first time home buyer programs. For details on these programs, please go t0 Georgia first time home buyer programs.

Hawaii: The state of Hawaii offers one first time home buyer program, and multiple local programs. For information on the program details, please visit Hawaii First Time Home Buyer Programs.

Idaho: The state of Idaho offers two first time home buyer programs. For details on these programs, please visit Idaho First Time Home Buyer Programs.

Illinois: The state of Illinois offers one first time home buyer program. For information on the program, please go to Illinois First Time Home Buyer Programs.

Indiana: The state of Indiana offers several first time home buyer programs. For information on these programs, please visit Indiana First Time Home Buyer Programs.

Iowa: The state of Iowa offers many first time home buyer programs. For information on what is available to first time home buyers, please visit Iowa First Time Home Buyer Programs.

Kansas: The state of Kansas offers only one first time home buyer program, but there are other programs available locally. For details of these programs, please go to Kansas First Time Home Buyer Programs.

Kentucky: The state of Kentucky offers several first time home buyer programs. For information on these programs, please go to Kentucky First Time Home Buyer Programs.

Louisiana: The state of Louisiana offers several first time home buyer programs. For details of these programs, please visit Louisiana First Time Home Buyer Programs.

Maine: The state of Maine offers two first time home buyer programs through the Maine State Housing Authority. For details on these programs, please visit Maine First Time Home Buyer Programs.

Maryland: The state of Maryland offers several first time home buyer programs. For details on these programs, please go to Maryland First Time Home Buyer Programs.

Massachusetts: The state of Massachusetts offers a variety of  first time home buyer programs. For information on these programs, please go to Massachusetts First Time Home Buyer Programs.

Michigan: The state of Michigan offers only one first time home buyer program. For details of the program, please visit Michigan First Time Home Buyer Programs.

Minnesota: The state of Minnesota offers several first time home buyer programs. For information on these programs, please go to Minnesota First Time Home Buyer Programs.

Mississippi: The state of Mississippi offers a variety of  first time home buyer programs. For information on these programs, please visit Mississippi First Time Home Buyer Programs.

Missouri: The state of Missouri offers two first time home buyer programs through the Missouri Housing Development Commission. For details on these programs, please visit Missouri First Time Home Buyer Programs.

Montana: The state of Montana offers several first time home buyer programs. For details on these programs, please go to Montana First Time Home Buyer Programs.

Nebraska: The state of Nebraska offers several first time home buyer programs through the Nebraska Investment Finance Authority. For information on these programs, please visit the Nebraska First Time Home Buyer Programs page.

Nevada: The state of Nevada offers three first time home buyer programs through the Nevada Housing Division. For details, please go to Nevada First Time Home Buyer Programs.

New Hampshire: The state of New Hampshire offers several first time home buyer programs through New Hampshire Housing. For information on these programs, please go to New Hampshire First Time Home Buyer Programs.

New Jersey: The state of New Jersey offers several first time home buyer programs through New Jersey Housing and Mortgage Finance Agency. For information on these programs, please visit the New Jersey First Time Home Buyer Programs webpage.

New Mexico: The state of New Mexico offers several first time home buyer programs. For information on these programs, please visit New Mexico First Time Home Buyer Programs.

New York: The state of New York offers a variety of  first time home buyer programs through the  New York State Housing Finance Agency. For details on these programs, please go to the New York First Time Home Buyer Programs webpage.

North Carolina: The state of North Carolina offers several first time home buyer programs through the North Carolina Housing Finance Agency. For information on these programs, please visit the North Carolina First Time Home Buyer Programs webpage.

North Dakota: The state of North Dakota offers a multitude of first time home buyer programs through the North Dakota Housing Finance Agency. For details on these programs, please go to North Dakota First Time Home Buyer Programs.

Ohio: The state of Ohio offers several first time home buyer programs through the  Ohio Housing Finance Agency. For information on these programs, please visit the Ohio First Time Home Buyer Programs webpage.

Oklahoma: The state of Oklahoma offers a variety of  first time home buyer programs through the  Oklahoma Housing Finance Agency. For details on these programs, please visit Oklahoma First Time Home Buyer Programs.

Oregon: The state of Oregon offers several first time home buyer programs through Oregon Housing and Community Service. For information on these programs, please visit the Oregon First Time Home Buyer Programs webpage.

Pennsylvania: The state of Pennsylvania offers several first time home buyer programs through the  Pennsylvania Housing Finance Agency. For more details on these programs, please go to Pennsylvania First Time Home Buyer Programs.

Rhode Island: The state of Rhode Island offers several first time home buyer programs. For information on these programs, please visit the page for Rhode Island First Time Home Buyer Programs.

South Carolina: The state of South Carolina offers a variety of first time home buyer programs through the South Carolina Housing Finance and Development Authority. For information on these programs, please visit the South Carolina First Time Home Buyer Programs webpage.

South Dakota: The state of South Dakota offers two first time home buyer programs through the South Dakota Housing Development Authority. For details on these programs, please visit South Dakota First Time Home Buyer Programs.

Tennessee: The state of Tennessee offers three first time home buyer programs through the Tennessee Housing Development Agency. For details on these programs, please go to the Tennessee First Time Home Buyer Programs webpage.

Texas: The state of Texas offers three first time home buyer programs through the Texas Department of Housing and Community Affairs. For details on these programs, please visit Texas First Time Home Buyer Programs.

Utah: The state of Utah offers two first time home buyer programs through the Utah Housing Corporation. For details on these two first time home buyer programs, please go to the Utah First Time Home Buyer Programs webpage.

Vermont: The state of Vermont offers two first time home buyer programs through the  Vermont Housing Finance Agency. For details on these two first time home buyer programs, please visit Vermont First Time Home Buyer Programs.

Virginia: The state of Virginia offers a variety of first time home buyer programs through the Virginia Housing Development Authority. For information on these programs, please visit the Virginia 1st Time Home Buyer Programs webpage.

Washington: The state of Washington offers several first time home buyer programs through the Washington State Housing Finance Commission. For more details on these programs, please go to Washington First Time Home Buyer Programs.

West Virginia: The state of West Virginia offers several first time home buyer programs. For more information on these programs, please go to West Virginia First Time Home Buyer Programs.

Wisconsin: The state of Wisconsin offers several first time home buyer programs through the Wisconsin Housing and Economic Development Authority. For more information on the various first time home buyer programs available, please visit the Wisconsin First Time Home Buyer Programs webpage.

Wyoming: The state of Wyoming offers several first time home buyer programs through the Wyoming Community Development Authority. For more information on these programs, please go to Wyoming First Time Home Buyer Programs.


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