First-time home buyer programs by state
Every state below runs official down-payment-assistance and first-time-buyer mortgage programs through its housing finance agency — money most buyers never claim because they don't know it exists. Pick your state to see what's available, then let brokers who know the programs compete for your loan.
Get my free quotesTexas
TDHCA / TSAHC
My First Texas Home (TDHCA) · Home Sweet Texas & Homes for Texas Heroes (TSAHC)
See Texas programs →Florida
Florida Housing
Hometown Heroes · Florida Assist & Florida HLP Seconds
See Florida programs →North Carolina
NCHFA
NC 1st Home Advantage Down Payment · NC Home Advantage Mortgage
See North Carolina programs →Tennessee
THDA
Great Choice Home Loan · Great Choice Plus
See Tennessee programs →South Carolina
SC Housing
Palmetto Home Advantage · Palmetto Heroes (2026)
See South Carolina programs →Idaho
Idaho Housing
IHFA Down Payment & Closing Cost Assistance · IHFA Heroes Loan
See Idaho programs →Utah
Utah Housing
FirstHome Loan + DPA · Utah First-Time Homebuyer Assistance Program (SB 240)
See Utah programs →Indiana
IHCDA
First Place / First Step · Next Home
See Indiana programs →Ohio
OHFA
YourChoice! Down Payment Assistance · Grants for Grads & Ohio Heroes
See Ohio programs →Minnesota
Minnesota Housing
Start Up + Deferred Payment Loans · Monthly Payment Loan
See Minnesota programs →Missouri
MHDC
First Place Loan · Next Step
See Missouri programs →Alabama
AHFA
Step Up · First Step
See Alabama programs →