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|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
TN-THDA-GREAT-CHOICE-PLUS | Great Choice Plus | Tennessee | TN | Tennessee Housing Development Agency (THDA) | https://thda.org/homebuyers/great-choice-home-loan-program | forgivable | 6,000 | null | 15,000 | $6,000 (below 680 credit) or up to $15,000 (680+ credit) | Forgiven over 15 years (1/15th annually). Due in full if you sell, refinance, or move out before 15 years. | 640 | required | Varies by county — typically $98,760 to $117,400 | null | [
"fha",
"va",
"usda",
"conventional"
] | [
"Complete homebuyer education course",
"Primary residence only",
"Must use THDA Great Choice first mortgage",
"Purchase price within county limits"
] | All 95 Tennessee counties | [
"Up to $15,000 in assistance",
"Forgiven over 15 years — no monthly payments",
"Works with FHA, VA, USDA, and conventional loans",
"640 minimum credit score"
] | The Great Choice Plus is Tennessee's flagship DPA program. If your credit is 680+, you qualify for the $15,000 tier — that can cover your entire down payment and closing costs on a median-priced TN home. | beau | true | 2026-03-08T00:00:00 | Good News Lending | https://goodnewslending.com/down-payment-assistance | Beau Thompson | 1615561 | USDA & FHA Specialist | 2026-03-10T00:00:00 | Good News Lending | https://goodnewslending.com | 504814 | Wendy Thompson Lending Team | https://thewendythompsonteam.com | Veterans may also qualify for VA $0 down loans. See the Wendy Thompson Lending Team. |
TN-THDA-HOMEOWNERSHIP-BRAVE | Homeownership for the Brave | Tennessee | TN | Tennessee Housing Development Agency (THDA) | https://thda.org/homebuyers/homeownership-for-the-brave | forgivable | 25,000 | null | null | Up to $25,000 for veterans and service members | Forgiven after remaining in the home for the required period. Due if sold or refinanced early. | 640 | not_required | Higher income limits than Great Choice — varies by county | null | [
"fha",
"va",
"usda",
"conventional"
] | [
"Active-duty military, veteran, or reservist/Guard member",
"OR law enforcement, firefighter, EMT, or paramedic",
"Primary residence only",
"Homebuyer education course"
] | All 95 Tennessee counties | [
"Up to $25,000 — the highest THDA assistance",
"Not limited to first-time buyers",
"For military, veterans, and first responders",
"No monthly payments on the assistance"
] | If you're active duty at Fort Campbell or a veteran anywhere in Tennessee, this program gives you maximum THDA assistance regardless of whether you've owned before. Combine it with VA $0 down for truly zero out-of-pocket. | beau | true | 2026-03-08T00:00:00 | Good News Lending | https://goodnewslending.com/down-payment-assistance | Beau Thompson | 1615561 | USDA & FHA Specialist | 2026-03-10T00:00:00 | Good News Lending | https://goodnewslending.com | 504814 | Wendy Thompson Lending Team | https://thewendythompsonteam.com | Veterans may also qualify for VA $0 down loans. See the Wendy Thompson Lending Team. |
TN-THDA-GREAT-CHOICE-PLUS-SECOND | Great Choice Plus (Second Mortgage Option) | Tennessee | TN | Tennessee Housing Development Agency (THDA) | https://thda.org/homebuyers/great-choice-home-loan-program | repayable | null | 6 | null | Up to 6% of the purchase price as a second mortgage | Amortizing 15-year second mortgage at the THDA first mortgage rate plus 1%. Monthly payments required. | 640 | required | Same county-based limits as Great Choice Plus | null | [
"fha",
"va",
"usda",
"conventional"
] | [
"Homebuyer education course",
"Primary residence only",
"Must use THDA Great Choice first mortgage"
] | All 95 Tennessee counties | [
"Up to 6% of purchase price — higher than forgivable option",
"Good for higher-priced homes needing more assistance",
"Monthly payments on second mortgage",
"Works with all loan types"
] | null | tate | true | 2026-03-08T00:00:00 | Good News Lending | https://goodnewslending.com/down-payment-assistance | Beau Thompson | 1615561 | USDA & FHA Specialist | 2026-03-10T00:00:00 | Good News Lending | https://goodnewslending.com | 504814 | Wendy Thompson Lending Team | https://thewendythompsonteam.com | Veterans may also qualify for VA $0 down loans. See the Wendy Thompson Lending Team. |
MS-MHC-DPA14 | DPA 14 | Mississippi | MS | Mississippi Home Corporation (MHC) | https://www.mshomecorp.com/homebuyers/dpa14 | grant | 14,000 | null | null | $14,000 total: $7,000 grant + $7,000 forgivable second mortgage | The $7,000 grant requires no repayment. The $7,000 forgivable second mortgage is forgiven after 10 years of continuous occupancy. | 640 | required | Varies by county — typically around $98,760 | null | [
"fha",
"va",
"usda",
"conventional"
] | [
"Homebuyer education course",
"Primary residence only",
"Must use MHC first mortgage",
"Income within county limits"
] | All 82 Mississippi counties | [
"$14,000 total assistance — highest MHC program",
"$7,000 is a true grant (never repaid)",
"Remaining $7,000 forgiven after 10 years",
"Works with FHA, VA, USDA, and conventional"
] | The DPA 14 is Mississippi's best program — half is a true grant you never pay back, and the other half is forgiven after 10 years. For a $180,000 home in Brandon or Tupelo, this covers your entire FHA down payment plus closing costs. | beau | true | 2026-03-08T00:00:00 | Good News Lending | https://goodnewslending.com/down-payment-assistance | Beau Thompson | 1615561 | USDA & FHA Specialist | 2026-03-10T00:00:00 | Good News Lending | https://goodnewslending.com | 504814 | Wendy Thompson Lending Team | https://thewendythompsonteam.com | Veterans may also qualify for VA $0 down loans. See the Wendy Thompson Lending Team. |
MS-MHC-SMART6 | Smart6 | Mississippi | MS | Mississippi Home Corporation (MHC) | https://www.mshomecorp.com/homebuyers/smart6 | forgivable | 6,000 | null | null | $6,000 forgivable second mortgage | Forgiven after 10 years of continuous occupancy. Due in full if you sell, refinance, or move out before 10 years. | 640 | required | Higher income limits than DPA 14 — up to 110% AMI | null | [
"fha",
"va",
"usda",
"conventional"
] | [
"Homebuyer education course",
"Primary residence only",
"Must use MHC first mortgage"
] | All 82 Mississippi counties | [
"$6,000 forgivable assistance",
"Higher income limits than DPA 14",
"No monthly payments on assistance",
"Forgiven after 10 years"
] | null | tate | true | 2026-03-08T00:00:00 | Good News Lending | https://goodnewslending.com/down-payment-assistance | Beau Thompson | 1615561 | USDA & FHA Specialist | 2026-03-10T00:00:00 | Good News Lending | https://goodnewslending.com | 504814 | Wendy Thompson Lending Team | https://thewendythompsonteam.com | Veterans may also qualify for VA $0 down loans. See the Wendy Thompson Lending Team. |
MS-MHC-TRUSTY10 | Trusty 10 | Mississippi | MS | Mississippi Home Corporation (MHC) | https://www.mshomecorp.com/homebuyers/trusty10 | repayable | 10,000 | null | null | $10,000 amortizing second mortgage | 10-year amortizing second mortgage at competitive rate. Monthly payments required. | 640 | required | Varies by county | null | [
"fha",
"va",
"usda",
"conventional"
] | [
"Homebuyer education course",
"Primary residence only",
"Must use MHC first mortgage"
] | All 82 Mississippi counties | [
"$10,000 assistance — higher than Smart6",
"Monthly payments on second mortgage",
"10-year repayment term",
"Good for buyers needing more than $6K"
] | null | tate | true | 2026-03-08T00:00:00 | Good News Lending | https://goodnewslending.com/down-payment-assistance | Beau Thompson | 1615561 | USDA & FHA Specialist | 2026-03-10T00:00:00 | Good News Lending | https://goodnewslending.com | 504814 | Wendy Thompson Lending Team | https://thewendythompsonteam.com | Veterans may also qualify for VA $0 down loans. See the Wendy Thompson Lending Team. |
AL-AHFA-STEP-UP | Step Up Program | Alabama | AL | Alabama Housing Finance Authority (AHFA) | https://www.ahfa.com/homebuyers/programs-available | repayable | null | 4 | 10,000 | Up to $10,000 or 4% of purchase price (whichever is less) | 10-year second mortgage at 0% interest. Monthly payments required. Due in full if you sell, transfer, or refinance. | 640 | required | Up to $159,200 depending on county and household size | 375,000 | [
"fha",
"va",
"usda",
"conventional"
] | [
"Homebuyer education course",
"Primary residence only",
"Must use AHFA first mortgage",
"Minimum $1,000 borrower contribution"
] | All 67 Alabama counties | [
"Up to $10,000 or 4% of purchase price",
"0% interest on the second mortgage",
"Works with all major loan types",
"Income limits up to $159,200"
] | Alabama's Step Up program is solid for first-time buyers. The 0% interest second mortgage keeps your monthly payments low. Combine with USDA $0 down in rural Alabama for minimal out-of-pocket costs. | beau | true | 2026-03-08T00:00:00 | Good News Lending | https://goodnewslending.com/down-payment-assistance | Beau Thompson | 1615561 | USDA & FHA Specialist | 2026-03-10T00:00:00 | Good News Lending | https://goodnewslending.com | 504814 | Wendy Thompson Lending Team | https://thewendythompsonteam.com | Veterans may also qualify for VA $0 down loans. See the Wendy Thompson Lending Team. |
AL-AHFA-AFFORDABLE-INCOME-SUBSIDY | Affordable Income Subsidy Grant | Alabama | AL | Alabama Housing Finance Authority (AHFA) | https://www.ahfa.com/homebuyers/programs-available | grant | null | 1 | null | 1% of the mortgage amount as a true grant | True grant — no repayment required. | 640 | required | Household income at or below 80% AMI | null | [
"fha",
"va",
"usda",
"conventional"
] | [
"Income at or below 80% AMI",
"Must combine with Step Up program",
"Homebuyer education course",
"Primary residence only"
] | All 67 Alabama counties | [
"True grant — never repaid",
"Stacks on top of Step Up program",
"For lower-income buyers (80% AMI or below)",
"Extra assistance at no cost"
] | null | tate | true | 2026-03-08T00:00:00 | Good News Lending | https://goodnewslending.com/down-payment-assistance | Beau Thompson | 1615561 | USDA & FHA Specialist | 2026-03-10T00:00:00 | Good News Lending | https://goodnewslending.com | 504814 | Wendy Thompson Lending Team | https://thewendythompsonteam.com | Veterans may also qualify for VA $0 down loans. See the Wendy Thompson Lending Team. |
AL-AHFA-MCC | Mortgage Credit Certificate (MCC) | Alabama | AL | Alabama Housing Finance Authority (AHFA) | https://www.ahfa.com/homebuyers/programs-available | grant | null | 50 | 2,000 | Federal tax credit of up to 50% of mortgage interest paid (max $2,000/year) | Annual federal tax credit for the life of the loan. Reduces your tax liability dollar-for-dollar. | 640 | required | Same as Step Up income limits | null | [
"fha",
"va",
"usda",
"conventional"
] | [
"Must use AHFA first mortgage",
"Cannot combine with Step Up DPA (choose one)",
"Primary residence only",
"Must file federal taxes to claim credit"
] | All 67 Alabama counties | [
"Up to $2,000 annual federal tax credit",
"Lasts the entire life of your loan",
"Dollar-for-dollar tax reduction",
"Alternative to Step Up DPA"
] | null | tate | true | 2026-03-08T00:00:00 | Good News Lending | https://goodnewslending.com/down-payment-assistance | Beau Thompson | 1615561 | USDA & FHA Specialist | 2026-03-10T00:00:00 | Good News Lending | https://goodnewslending.com | 504814 | Wendy Thompson Lending Team | https://thewendythompsonteam.com | Veterans may also qualify for VA $0 down loans. See the Wendy Thompson Lending Team. |
GA-DCA-GEORGIA-DREAM-STANDARD | Georgia Dream Standard Down Payment Assistance | Georgia | GA | Georgia Department of Community Affairs (DCA) | https://www.dca.ga.gov/safe-affordable-housing/homeownership/georgia-dream-homeownership-program | deferred | 10,000 | null | null | $10,000 second mortgage at 0% interest, no monthly payments | Deferred at 0% interest — no monthly payments. Due when you sell, refinance, or transfer the home. | 640 | required | Varies by county — typically $86,000 to $126,000 for 1-2 person household | 375,000 | [
"fha",
"va",
"usda",
"conventional"
] | [
"Homebuyer education course",
"Primary residence only",
"Must use Georgia Dream first mortgage",
"Minimum $1,000 borrower investment (can be gift)"
] | All 159 Georgia counties | [
"$10,000 at 0% interest — no monthly payments",
"Only repaid when you sell or refinance",
"Works with FHA, VA, USDA, and conventional",
"Available in all 159 Georgia counties"
] | Georgia Dream is one of the best-structured DPA programs in the Southeast. The $10,000 deferred at 0% means zero additional monthly cost. Pair it with USDA $0 down outside Atlanta metro for truly minimal out-of-pocket. | beau | true | 2026-03-08T00:00:00 | Good News Lending | https://goodnewslending.com/down-payment-assistance | Beau Thompson | 1615561 | USDA & FHA Specialist | 2026-03-10T00:00:00 | Good News Lending | https://goodnewslending.com | 504814 | Wendy Thompson Lending Team | https://thewendythompsonteam.com | Veterans may also qualify for VA $0 down loans. See the Wendy Thompson Lending Team. |
GA-DCA-GEORGIA-DREAM-PEN | Georgia Dream PEN (Protectors, Educators, Nurses) | Georgia | GA | Georgia Department of Community Affairs (DCA) | https://www.dca.ga.gov/safe-affordable-housing/homeownership/georgia-dream-homeownership-program | deferred | 12,500 | null | null | $12,500 — $10,000 standard + $2,500 PEN bonus | Same terms as standard Georgia Dream — 0% interest, deferred until sale or refinance. | 640 | required | Same income limits as standard Georgia Dream | null | [
"fha",
"va",
"usda",
"conventional"
] | [
"Must be a Protector (law enforcement, fire, corrections)",
"OR Educator (teacher, school staff)",
"OR Nurse (RN, LPN, healthcare worker)",
"Homebuyer education course",
"Primary residence only"
] | All 159 Georgia counties | [
"$12,500 total — $2,500 more than standard",
"For teachers, nurses, law enforcement, and first responders",
"0% interest, no monthly payments",
"Deferred until sale or refinance"
] | If you're a teacher, nurse, or first responder in Georgia, you automatically qualify for the extra $2,500. That's $12,500 at 0% with no payments — one of the best deals in the Southeast. | beau | true | 2026-03-08T00:00:00 | Good News Lending | https://goodnewslending.com/down-payment-assistance | Beau Thompson | 1615561 | USDA & FHA Specialist | 2026-03-10T00:00:00 | Good News Lending | https://goodnewslending.com | 504814 | Wendy Thompson Lending Team | https://thewendythompsonteam.com | Veterans may also qualify for VA $0 down loans. See the Wendy Thompson Lending Team. |
GA-DCA-GEORGIA-DREAM-HEROES | Georgia Dream Military/Heroes | Georgia | GA | Georgia Department of Community Affairs (DCA) | https://www.dca.ga.gov/safe-affordable-housing/homeownership/georgia-dream-homeownership-program | deferred | 12,500 | null | null | $12,500 — $10,000 standard + $2,500 military bonus | 0% interest, deferred until sale or refinance. | 640 | required | Same as standard Georgia Dream | null | [
"fha",
"va",
"usda",
"conventional"
] | [
"Active-duty military or veteran",
"Homebuyer education course",
"Primary residence only"
] | All 159 Georgia counties | [
"$12,500 for military members and veterans",
"0% interest, no monthly payments",
"Great near Fort Moore and other GA bases",
"Combine with VA $0 down for zero out-of-pocket"
] | null | beau | true | 2026-03-08T00:00:00 | Good News Lending | https://goodnewslending.com/down-payment-assistance | Beau Thompson | 1615561 | USDA & FHA Specialist | 2026-03-10T00:00:00 | Good News Lending | https://goodnewslending.com | 504814 | Wendy Thompson Lending Team | https://thewendythompsonteam.com | Veterans may also qualify for VA $0 down loans. See the Wendy Thompson Lending Team. |
FL-FHFC-FLORIDA-ASSIST | Florida Assist (FL Assist) | Florida | FL | Florida Housing Finance Corporation (FHFC) | https://www.floridahousing.org/programs/homebuyer-overview-page/florida-assist | deferred | 10,000 | null | null | $10,000 deferred second mortgage at 0% interest | Deferred at 0% interest — no monthly payments. Due when you sell, refinance, or no longer occupy as primary residence. | 640 | required | Varies by county — typically 80-115% AMI | null | [
"fha",
"va",
"usda"
] | [
"Homebuyer education course",
"Primary residence only",
"Must use FHFC first mortgage (HLP or HFA Preferred)"
] | All 67 Florida counties | [
"$10,000 at 0% interest — no monthly payments",
"Deferred until sale or refinance",
"Works with FHA, VA, and USDA loans",
"Available statewide"
] | Florida Assist is the go-to DPA for Florida buyers. The $10,000 at 0% with no payments is straightforward and reliable. Pair with USDA in rural counties like Marion or Clay for maximum savings. | beau | true | 2026-03-08T00:00:00 | Good News Lending | https://goodnewslending.com/down-payment-assistance | Beau Thompson | 1615561 | USDA & FHA Specialist | 2026-03-10T00:00:00 | Good News Lending | https://goodnewslending.com | 504814 | Wendy Thompson Lending Team | https://thewendythompsonteam.com | Veterans may also qualify for VA $0 down loans. See the Wendy Thompson Lending Team. |
FL-FHFC-HOMETOWN-HEROES | Hometown Heroes | Florida | FL | Florida Housing Finance Corporation (FHFC) | https://www.floridahousing.org/programs/homebuyer-overview-page/hometown-heroes | forgivable | null | 5 | 35,000 | Up to 5% of first mortgage amount (max $35,000) | Forgiven after 5 years if you remain in the home. Second mortgage at 0% interest, no payments. | 640 | required | Up to 150% AMI — higher limits than most programs | null | [
"fha",
"va",
"usda",
"conventional"
] | [
"Must be employed full-time by a Florida employer",
"Homebuyer education course",
"Primary residence only",
"Must use FHFC first mortgage"
] | All 67 Florida counties | [
"Up to $35,000 — Florida's highest DPA",
"Forgiven after just 5 years",
"For ALL full-time Florida workers (not just heroes)",
"Higher income limits (150% AMI)"
] | Don't let the name fool you — Hometown Heroes is for ALL full-time Florida workers, not just first responders. At up to $35,000 forgivable in 5 years, this is one of the most generous DPA programs in the country. | tate | true | 2026-03-08T00:00:00 | Good News Lending | https://goodnewslending.com/down-payment-assistance | Beau Thompson | 1615561 | USDA & FHA Specialist | 2026-03-10T00:00:00 | Good News Lending | https://goodnewslending.com | 504814 | Wendy Thompson Lending Team | https://thewendythompsonteam.com | Veterans may also qualify for VA $0 down loans. See the Wendy Thompson Lending Team. |
FL-FHFC-HLP-3-PERCENT | HLP 3% Grant | Florida | FL | Florida Housing Finance Corporation (FHFC) | https://www.floridahousing.org/programs/homebuyer-overview-page | grant | null | 3 | null | 3% of purchase price as a true grant | True grant — no repayment required. | 640 | required | Varies by county — typically 80% AMI | null | [
"fha"
] | [
"Must use FHFC HLP first mortgage",
"Homebuyer education course",
"Primary residence only",
"FHA loans only"
] | All 67 Florida counties | [
"3% grant — never repaid",
"Covers most of FHA 3.5% down payment",
"No second mortgage to worry about",
"Simple, straightforward program"
] | null | tate | true | 2026-03-08T00:00:00 | Good News Lending | https://goodnewslending.com/down-payment-assistance | Beau Thompson | 1615561 | USDA & FHA Specialist | 2026-03-10T00:00:00 | Good News Lending | https://goodnewslending.com | 504814 | Wendy Thompson Lending Team | https://thewendythompsonteam.com | Veterans may also qualify for VA $0 down loans. See the Wendy Thompson Lending Team. |
KY-KHC-REGULAR-DAP | Regular Down Payment Assistance (DAP) | Kentucky | KY | Kentucky Housing Corporation (KHC) | https://www.kyhousing.org/Homebuyers/Pages/default.aspx | forgivable | 10,000 | null | null | Up to $10,000 forgivable second mortgage | Forgiven over 10 years (1/10th annually). Due in full if you sell, refinance, or move out before 10 years. | 640 | required | Varies by county — typically up to $117,400 | 375,000 | [
"fha",
"va",
"usda",
"conventional"
] | [
"Homebuyer education course",
"Primary residence only",
"Must use KHC first mortgage"
] | All 120 Kentucky counties | [
"Up to $10,000 forgivable assistance",
"Forgiven over 10 years",
"No monthly payments on assistance",
"Works with all major loan types"
] | Kentucky's Regular DAP is solid — $10,000 forgiven over 10 years with no monthly payments. Combine with USDA $0 down outside Louisville and Lexington metros for minimal out-of-pocket closing. | beau | true | 2026-03-08T00:00:00 | Good News Lending | https://goodnewslending.com/down-payment-assistance | Beau Thompson | 1615561 | USDA & FHA Specialist | 2026-03-10T00:00:00 | Good News Lending | https://goodnewslending.com | 504814 | Wendy Thompson Lending Team | https://thewendythompsonteam.com | Veterans may also qualify for VA $0 down loans. See the Wendy Thompson Lending Team. |
KY-KHC-AFFORDABLE-DAP | Affordable DAP | Kentucky | KY | Kentucky Housing Corporation (KHC) | https://www.kyhousing.org/Homebuyers/Pages/default.aspx | repayable | 12,500 | null | null | Up to $12,500 as a 10-year second mortgage | 10-year amortizing second mortgage at 5.5% interest. Monthly payments required. | 640 | required | Same county limits as Regular DAP | null | [
"fha",
"va",
"usda",
"conventional"
] | [
"Homebuyer education course",
"Primary residence only",
"Must use KHC first mortgage"
] | All 120 Kentucky counties | [
"$12,500 — $2,500 more than Regular DAP",
"Monthly payments on second mortgage",
"Good for buyers needing more assistance",
"Works with all loan types"
] | null | tate | true | 2026-03-08T00:00:00 | Good News Lending | https://goodnewslending.com/down-payment-assistance | Beau Thompson | 1615561 | USDA & FHA Specialist | 2026-03-10T00:00:00 | Good News Lending | https://goodnewslending.com | 504814 | Wendy Thompson Lending Team | https://thewendythompsonteam.com | Veterans may also qualify for VA $0 down loans. See the Wendy Thompson Lending Team. |
LA-LHC-RESILIENCE-SOFT-SECOND | Resilience Soft Second | Louisiana | LA | Louisiana Housing Corporation (LHC) | https://www.lhc.la.gov/down-payment-assistance-homebuyers | deferred | null | null | 60,000 | Up to $60,000 deferred second mortgage at 0% interest | Deferred at 0% interest — no monthly payments. Due when you sell, refinance, or transfer the property. | 640 | preferred | Up to 80% AMI for most parishes | null | [
"fha",
"va",
"usda",
"conventional"
] | [
"Homebuyer education course",
"Primary residence only",
"Property must be in eligible Louisiana parish",
"Funds for down payment, closing costs, and/or rehabilitation"
] | Select Louisiana parishes — primarily disaster-affected areas | [
"Up to $60,000 — Louisiana's largest DPA program",
"0% interest, no monthly payments",
"Can cover down payment AND closing costs",
"May also fund minor home repairs"
] | The Resilience Soft Second is extraordinary — up to $60,000 at 0% with no payments. It's targeted at disaster-recovery parishes, so check parish eligibility. If your parish qualifies, this is the best DPA in the entire Southeast. | beau | true | 2026-03-08T00:00:00 | Good News Lending | https://goodnewslending.com/down-payment-assistance | Beau Thompson | 1615561 | USDA & FHA Specialist | 2026-03-10T00:00:00 | Good News Lending | https://goodnewslending.com | 504814 | Wendy Thompson Lending Team | https://thewendythompsonteam.com | Veterans may also qualify for VA $0 down loans. See the Wendy Thompson Lending Team. |
LA-LHC-MRB-DPA | Mortgage Revenue Bond (MRB) DPA | Louisiana | LA | Louisiana Housing Corporation (LHC) | https://www.lhc.la.gov/down-payment-assistance-homebuyers | forgivable | 10,000 | null | null | Up to $10,000 forgivable second mortgage | Forgiven over 10 years. Due in full if you sell, refinance, or move out early. | 640 | required | Varies by parish — typically 115% AMI | null | [
"fha",
"va",
"usda",
"conventional"
] | [
"Homebuyer education course",
"Primary residence only",
"Must use LHC first mortgage"
] | All 64 Louisiana parishes | [
"$10,000 forgivable assistance",
"Available in all 64 parishes",
"No monthly payments",
"Forgiven over 10 years"
] | null | tate | true | 2026-03-08T00:00:00 | Good News Lending | https://goodnewslending.com/down-payment-assistance | Beau Thompson | 1615561 | USDA & FHA Specialist | 2026-03-10T00:00:00 | Good News Lending | https://goodnewslending.com | 504814 | Wendy Thompson Lending Team | https://thewendythompsonteam.com | Veterans may also qualify for VA $0 down loans. See the Wendy Thompson Lending Team. |
LA-LHC-MARKET-RATE-GNMA | Market Rate GNMA Program | Louisiana | LA | Louisiana Housing Corporation (LHC) | https://www.lhc.la.gov/down-payment-assistance-homebuyers | forgivable | null | 4 | null | Up to 4% of the loan amount as forgivable assistance | Forgiven over 10 years. No monthly payments required on assistance. | 640 | not_required | No income limits — available to all qualifying borrowers | null | [
"fha"
] | [
"FHA loans only",
"Primary residence only",
"Must use LHC-approved lender"
] | All 64 Louisiana parishes | [
"4% of loan amount as forgivable assistance",
"No income limits — wider eligibility",
"Not limited to first-time buyers",
"FHA loans only"
] | null | tate | true | 2026-03-08T00:00:00 | Good News Lending | https://goodnewslending.com/down-payment-assistance | Beau Thompson | 1615561 | USDA & FHA Specialist | 2026-03-10T00:00:00 | Good News Lending | https://goodnewslending.com | 504814 | Wendy Thompson Lending Team | https://thewendythompsonteam.com | Veterans may also qualify for VA $0 down loans. See the Wendy Thompson Lending Team. |
NC-NCHFA-1ST-HOME-ADVANTAGE | NC 1st Home Advantage Down Payment | North Carolina | NC | North Carolina Housing Finance Agency (NCHFA) | https://www.nchfa.com/home-buyers/home-buyer-mortgage-products/nc-1st-home-advantage-down-payment | forgivable | 15,000 | null | null | $15,000 forgivable second mortgage | Forgiven over 15 years (20% forgiven in years 11-15). Due if you sell, refinance, or move out before full forgiveness. | 640 | required | Up to $134,000 for 1-2 person household (varies by county) | null | [
"fha",
"va",
"usda",
"conventional"
] | [
"Homebuyer education course",
"Primary residence only",
"Must use NCHFA first mortgage",
"First-time buyer or not owned in past 3 years"
] | All 100 North Carolina counties | [
"$15,000 forgivable — one of the highest in the Southeast",
"No monthly payments on assistance",
"Works with FHA, VA, USDA, and conventional",
"Forgiven over 15 years"
] | North Carolina's $15,000 1st Home Advantage is one of the most generous forgivable DPA programs in our service area. That can cover an entire FHA down payment on a home up to $430,000. | tate | true | 2026-03-08T00:00:00 | Good News Lending | https://goodnewslending.com/down-payment-assistance | Beau Thompson | 1615561 | USDA & FHA Specialist | 2026-03-10T00:00:00 | Good News Lending | https://goodnewslending.com | 504814 | Wendy Thompson Lending Team | https://thewendythompsonteam.com | Veterans may also qualify for VA $0 down loans. See the Wendy Thompson Lending Team. |
NC-NCHFA-HOME-ADVANTAGE-MORTGAGE | NC Home Advantage Mortgage | North Carolina | NC | North Carolina Housing Finance Agency (NCHFA) | https://www.nchfa.com/home-buyers/home-buyer-mortgage-products/nc-home-advantage-mortgage | forgivable | null | 3 | null | 3% of the loan amount as a forgivable second mortgage | Forgiven over 15 years. No monthly payments required. | 640 | not_required | Up to $134,000 (varies by county) | null | [
"fha",
"va",
"usda",
"conventional"
] | [
"Primary residence only",
"Must use NCHFA first mortgage",
"Not limited to first-time buyers"
] | All 100 North Carolina counties | [
"3% of loan amount — no cap",
"Not limited to first-time buyers",
"Forgivable over 15 years",
"All loan types accepted"
] | This is NC's option for repeat buyers — you don't have to be a first-time buyer to qualify. The 3% forgivable assistance is a great option for move-up buyers in the Charlotte or Raleigh metro. | tate | true | 2026-03-08T00:00:00 | Good News Lending | https://goodnewslending.com/down-payment-assistance | Beau Thompson | 1615561 | USDA & FHA Specialist | 2026-03-10T00:00:00 | Good News Lending | https://goodnewslending.com | 504814 | Wendy Thompson Lending Team | https://thewendythompsonteam.com | Veterans may also qualify for VA $0 down loans. See the Wendy Thompson Lending Team. |
NC-NCHFA-COMMUNITY-PARTNERS | Community Partners Loan Pool (CPLP) | North Carolina | NC | North Carolina Housing Finance Agency (NCHFA) | https://www.nchfa.com/home-buyers/home-buyer-mortgage-products/community-partners-loan-pool | deferred | null | 20 | 50,000 | Up to 20% of purchase price (max $50,000) at 0% interest | Deferred at 0% interest — no monthly payments. Due when you sell, refinance, or transfer. | 640 | required | Up to 80% AMI — for lower-income buyers | null | [
"fha",
"usda",
"conventional"
] | [
"Income at or below 80% AMI",
"Homebuyer education course",
"Primary residence only",
"Must use NCHFA-approved lender"
] | All 100 North Carolina counties | [
"Up to $50,000 — NC's largest DPA program",
"0% interest, no monthly payments",
"For lower-income buyers (80% AMI or below)",
"Can cover entire down payment plus closing costs"
] | null | beau | true | 2026-03-08T00:00:00 | Good News Lending | https://goodnewslending.com/down-payment-assistance | Beau Thompson | 1615561 | USDA & FHA Specialist | 2026-03-10T00:00:00 | Good News Lending | https://goodnewslending.com | 504814 | Wendy Thompson Lending Team | https://thewendythompsonteam.com | Veterans may also qualify for VA $0 down loans. See the Wendy Thompson Lending Team. |
SC-SCHOUSING-PALMETTO-HOME | Palmetto Home Advantage | South Carolina | SC | SC State Housing Finance and Development Authority | https://www.schousing.com/Home/SCHousingHomebuyer | forgivable | null | 4 | null | Up to 4% of the loan amount as a forgivable second mortgage | Forgiven over 15 years if you remain in the home. Due if sold, refinanced, or vacated early. | 640 | not_required | Varies by county — competitive income limits | null | [
"fha",
"va",
"usda",
"conventional"
] | [
"Homebuyer education course",
"Primary residence only",
"Must use SC Housing first mortgage"
] | All 46 South Carolina counties | [
"4% of loan amount — forgivable over 15 years",
"Not limited to first-time buyers",
"No monthly payments on assistance",
"Works with all major loan types"
] | Palmetto Home Advantage is South Carolina's most flexible program — repeat buyers qualify too. The 4% forgivable assistance combined with USDA $0 down in rural SC counties is a powerful combination. | beau | true | 2026-03-08T00:00:00 | Good News Lending | https://goodnewslending.com/down-payment-assistance | Beau Thompson | 1615561 | USDA & FHA Specialist | 2026-03-10T00:00:00 | Good News Lending | https://goodnewslending.com | 504814 | Wendy Thompson Lending Team | https://thewendythompsonteam.com | Veterans may also qualify for VA $0 down loans. See the Wendy Thompson Lending Team. |
SC-SCHOUSING-PALMETTO-HEROES | Palmetto Heroes | South Carolina | SC | SC State Housing Finance and Development Authority | https://www.schousing.com/Home/SCHousingHomebuyer | forgivable | 10,000 | null | null | $10,000 forgivable second mortgage for heroes | Forgiven over 15 years. No monthly payments required. | 640 | required | Same as Palmetto Home Advantage | null | [
"fha",
"va",
"usda",
"conventional"
] | [
"Must be military, law enforcement, firefighter, EMT, teacher, or nurse",
"Homebuyer education course",
"Primary residence only",
"First-time buyer required"
] | All 46 South Carolina counties | [
"$10,000 forgivable for heroes",
"For military, teachers, nurses, first responders",
"No monthly payments",
"Great near Fort Jackson, Shaw AFB, JB Charleston"
] | If you serve South Carolina — whether in uniform, in a classroom, or in a hospital — Palmetto Heroes gives you $10,000 forgiven over 15 years. Near Fort Jackson or JB Charleston, pair this with VA $0 down. | beau | true | 2026-03-08T00:00:00 | Good News Lending | https://goodnewslending.com/down-payment-assistance | Beau Thompson | 1615561 | USDA & FHA Specialist | 2026-03-10T00:00:00 | Good News Lending | https://goodnewslending.com | 504814 | Wendy Thompson Lending Team | https://thewendythompsonteam.com | Veterans may also qualify for VA $0 down loans. See the Wendy Thompson Lending Team. |
AR-ADFA-ADDI | ADFA Down Payment Assistance (ADDI) | Arkansas | AR | Arkansas Development Finance Authority (ADFA) | https://adfa.arkansas.gov/programs/homeloans/down-payment-assistance-program/ | forgivable | 10,000 | null | null | $10,000 forgivable second mortgage | Forgiven after 5 years of continuous occupancy. Due in full if you sell, refinance, or move out before 5 years. | 640 | required | Up to 80% AMI — for lower-income buyers | null | [
"fha",
"va",
"usda",
"conventional"
] | [
"Homebuyer education course",
"Primary residence only",
"Must use ADFA first mortgage",
"Income at or below 80% AMI"
] | All 75 Arkansas counties | [
"$10,000 forgivable after just 5 years",
"Shortest forgiveness period in the region",
"No monthly payments on assistance",
"Works with all major loan types"
] | Arkansas ADDI has the fastest forgiveness timeline — fully forgiven after just 5 years. That's half the time of most other state programs. If you plan to stay in your home 5+ years, this is effectively a $10,000 grant. | beau | true | 2026-03-08T00:00:00 | Good News Lending | https://goodnewslending.com/down-payment-assistance | Beau Thompson | 1615561 | USDA & FHA Specialist | 2026-03-10T00:00:00 | Good News Lending | https://goodnewslending.com | 504814 | Wendy Thompson Lending Team | https://thewendythompsonteam.com | Veterans may also qualify for VA $0 down loans. See the Wendy Thompson Lending Team. |
AR-ADFA-DPA | ADFA Down Payment Assistance (Standard) | Arkansas | AR | Arkansas Development Finance Authority (ADFA) | https://adfa.arkansas.gov/programs/homeloans/down-payment-assistance-program/ | repayable | null | 3.5 | null | Up to 3.5% of purchase price as a second mortgage | 10-year second mortgage at below-market interest rate. Monthly payments required. | 640 | required | Higher income limits than ADDI — up to 115% AMI | null | [
"fha",
"va",
"usda",
"conventional"
] | [
"Homebuyer education course",
"Primary residence only",
"Must use ADFA first mortgage"
] | All 75 Arkansas counties | [
"Up to 3.5% of purchase price",
"Higher income limits than ADDI",
"Below-market interest rate",
"Good for buyers above 80% AMI"
] | null | tate | true | 2026-03-08T00:00:00 | Good News Lending | https://goodnewslending.com/down-payment-assistance | Beau Thompson | 1615561 | USDA & FHA Specialist | 2026-03-10T00:00:00 | Good News Lending | https://goodnewslending.com | 504814 | Wendy Thompson Lending Team | https://thewendythompsonteam.com | Veterans may also qualify for VA $0 down loans. See the Wendy Thompson Lending Team. |
MO-MHDC-FIRST-PLACE-CAL | First Place Loan Program (Cash Assistance Loan) | Missouri | MO | Missouri Housing Development Commission (MHDC) | https://mhdc.com/services/homebuyer-programs/first-place/ | forgivable | null | 4 | null | Up to 4% of the loan amount as a forgivable second mortgage | Non-repayable cash assistance. Forgiven as long as you remain in the home through the term of your first mortgage. | 640 | required | Varies by county — typically up to $98,760 | 375,000 | [
"fha",
"va",
"usda",
"conventional"
] | [
"Homebuyer education course",
"Primary residence only",
"Must use MHDC first mortgage",
"First-time buyer or not owned in past 3 years"
] | All 115 Missouri counties | [
"4% of loan amount — non-repayable",
"Essentially a grant if you stay in the home",
"Works with all major loan types",
"Available in all 115 Missouri counties"
] | Missouri's First Place Cash Assistance is effectively a grant — 4% of your loan amount with no repayment required as long as you keep your first mortgage. Outside St. Louis and KC metros, combine with USDA $0 down for truly zero cash to close. | beau | true | 2026-03-08T00:00:00 | Good News Lending | https://goodnewslending.com/down-payment-assistance | Beau Thompson | 1615561 | USDA & FHA Specialist | 2026-03-10T00:00:00 | Good News Lending | https://goodnewslending.com | 504814 | Wendy Thompson Lending Team | https://thewendythompsonteam.com | Veterans may also qualify for VA $0 down loans. See the Wendy Thompson Lending Team. |
MO-MHDC-NEXT-STEP | Next Step Program | Missouri | MO | Missouri Housing Development Commission (MHDC) | https://mhdc.com/services/homebuyer-programs/next-step/ | forgivable | null | 4 | null | Up to 4% of the loan amount as a forgivable second mortgage | Non-repayable cash assistance. Same terms as First Place. | 640 | not_required | Same county-based limits as First Place | null | [
"fha",
"va",
"usda",
"conventional"
] | [
"Not limited to first-time buyers",
"Primary residence only",
"Must use MHDC first mortgage"
] | All 115 Missouri counties | [
"4% of loan amount — non-repayable",
"Not limited to first-time buyers",
"Same great terms as First Place",
"For repeat buyers and move-up buyers"
] | The Next Step program mirrors First Place but without the first-time buyer requirement. If you've owned before and are buying again in Missouri, you still get 4% cash assistance. | tate | true | 2026-03-08T00:00:00 | Good News Lending | https://goodnewslending.com/down-payment-assistance | Beau Thompson | 1615561 | USDA & FHA Specialist | 2026-03-10T00:00:00 | Good News Lending | https://goodnewslending.com | 504814 | Wendy Thompson Lending Team | https://thewendythompsonteam.com | Veterans may also qualify for VA $0 down loans. See the Wendy Thompson Lending Team. |
TX-TSAHC-HOMES-FOR-HEROES | Homes for Texas Heroes | Texas | TX | Texas State Affordable Housing Corporation (TSAHC) | https://www.tsahc.org/homebuyers-renters/homes-for-texas-heroes-program | grant | null | 5 | null | Up to 5% of the loan amount as a grant (or 3-year forgivable loan) | Grant option: no repayment. Forgivable loan option: forgiven after 3 years. | 620 | not_required | Up to $117,240 for 1-2 person household (varies by county) | null | [
"fha",
"va",
"usda",
"conventional"
] | [
"Teachers, police officers, firefighters, EMS, corrections officers, veterans",
"Primary residence only",
"Must use TSAHC-approved lender",
"Income within program limits"
] | All 254 Texas counties | [
"Up to 5% of loan amount as a grant",
"For teachers, first responders, and veterans",
"Not limited to first-time buyers",
"Lower credit score minimum (620)"
] | Texas Heroes gives up to 5% as a true grant with no repayment — and the credit score minimum is just 620, one of the lowest in our service area. If you're a teacher, first responder, or veteran in Texas, this is hard to beat. | beau | true | 2026-03-08T00:00:00 | Good News Lending | https://goodnewslending.com/down-payment-assistance | Beau Thompson | 1615561 | USDA & FHA Specialist | 2026-03-10T00:00:00 | Good News Lending | https://goodnewslending.com | 504814 | Wendy Thompson Lending Team | https://thewendythompsonteam.com | Veterans may also qualify for VA $0 down loans. See the Wendy Thompson Lending Team. |
TX-TSAHC-HOME-SWEET-TEXAS | Home Sweet Texas | Texas | TX | Texas State Affordable Housing Corporation (TSAHC) | https://www.tsahc.org/homebuyers-renters/home-sweet-texas-home-loan-program | grant | null | 5 | null | Up to 5% of the loan amount as a grant (or 3-year forgivable loan) | Grant option: no repayment. Forgivable loan option: forgiven after 3 years. | 620 | not_required | Same county limits as Heroes program | null | [
"fha",
"va",
"usda",
"conventional"
] | [
"Open to ALL Texas homebuyers (not just heroes)",
"Primary residence only",
"Must use TSAHC-approved lender",
"Income within program limits"
] | All 254 Texas counties | [
"Up to 5% of loan amount as a grant",
"Open to ALL buyers — no profession requirement",
"Not limited to first-time buyers",
"620 minimum credit score"
] | Home Sweet Texas is the same 5% grant as Heroes but open to everyone — you don't need to be a teacher or veteran. Any Texas buyer within income limits can get up to 5% as a true grant. | tate | true | 2026-03-08T00:00:00 | Good News Lending | https://goodnewslending.com/down-payment-assistance | Beau Thompson | 1615561 | USDA & FHA Specialist | 2026-03-10T00:00:00 | Good News Lending | https://goodnewslending.com | 504814 | Wendy Thompson Lending Team | https://thewendythompsonteam.com | Veterans may also qualify for VA $0 down loans. See the Wendy Thompson Lending Team. |
TX-TDHCA-MY-FIRST-TEXAS-HOME | My First Texas Home | Texas | TX | Texas Department of Housing & Community Affairs (TDHCA) | https://www.tdhca.state.tx.us/homeownership/fthb/ | deferred | null | 5 | null | Up to 5% of the mortgage amount as a deferred second lien | Deferred 30-year second lien at 0% interest. No monthly payments. Due when you sell, refinance, or transfer. | 620 | required | Varies by county — TDHCA income limits | null | [
"fha",
"va",
"usda"
] | [
"First-time buyer (not owned in past 3 years)",
"Homebuyer education course",
"Primary residence only",
"Must use TDHCA-approved lender"
] | All 254 Texas counties | [
"5% of mortgage as deferred assistance",
"0% interest, no monthly payments",
"30-year term — matches your mortgage",
"Works with FHA, VA, and USDA"
] | null | tate | true | 2026-03-08T00:00:00 | Good News Lending | https://goodnewslending.com/down-payment-assistance | Beau Thompson | 1615561 | USDA & FHA Specialist | 2026-03-10T00:00:00 | Good News Lending | https://goodnewslending.com | 504814 | Wendy Thompson Lending Team | https://thewendythompsonteam.com | Veterans may also qualify for VA $0 down loans. See the Wendy Thompson Lending Team. |
VA-VHOUSING-DPA-GRANT | Virginia Housing DPA Grant | Virginia | VA | Virginia Housing | https://www.virginiahousing.com/homebuyers/down-payment-assistance | grant | null | 2.5 | null | 2% to 2.5% of the purchase price as a true grant | True grant — no repayment required. | 640 | required | Varies by region — typically up to $117,400 | null | [
"fha",
"va",
"usda",
"conventional"
] | [
"Homebuyer education course",
"Primary residence only",
"Must use Virginia Housing first mortgage",
"First-time buyer or buying in targeted area"
] | Statewide (all Virginia cities and counties) | [
"True grant — never repaid",
"2% to 2.5% of purchase price",
"No second mortgage or lien",
"Simplest DPA structure available"
] | Virginia Housing's DPA Grant is the simplest program in our service area — a true grant with no strings attached. No second mortgage, no forgiveness timeline, no repayment. Just free money toward your down payment. | beau | true | 2026-03-08T00:00:00 | Good News Lending | https://goodnewslending.com/down-payment-assistance | Beau Thompson | 1615561 | USDA & FHA Specialist | 2026-03-10T00:00:00 | Good News Lending | https://goodnewslending.com | 504814 | Wendy Thompson Lending Team | https://thewendythompsonteam.com | Veterans may also qualify for VA $0 down loans. See the Wendy Thompson Lending Team. |
VA-VHOUSING-CLOSING-COST-ASSIST | Virginia Housing Closing Cost Assistance Grant | Virginia | VA | Virginia Housing | https://www.virginiahousing.com/homebuyers/down-payment-assistance | grant | null | 2 | null | Up to 2% of the purchase price for closing costs | True grant — no repayment required. Can be combined with DPA Grant. | 640 | required | Lower income limits than DPA Grant — up to 80% AMI | null | [
"fha",
"va",
"usda",
"conventional"
] | [
"Income at or below 80% AMI",
"Must combine with Virginia Housing DPA Grant",
"Homebuyer education course",
"Primary residence only"
] | Statewide (all Virginia cities and counties) | [
"Additional 2% grant on top of DPA Grant",
"Stacks for up to 4.5% total free assistance",
"True grant — never repaid",
"For lower-income buyers (80% AMI)"
] | null | tate | true | 2026-03-08T00:00:00 | Good News Lending | https://goodnewslending.com/down-payment-assistance | Beau Thompson | 1615561 | USDA & FHA Specialist | 2026-03-10T00:00:00 | Good News Lending | https://goodnewslending.com | 504814 | Wendy Thompson Lending Team | https://thewendythompsonteam.com | Veterans may also qualify for VA $0 down loans. See the Wendy Thompson Lending Team. |
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