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license: cc-by-4.0
language:
- en
tags:
- mortgage
- down-payment-assistance
- DPA
- housing-finance
- first-time-homebuyer
- grants
size_categories:
- n<1K
task_categories:
- question-answering
- text-generation
---
# Down Payment Assistance Programs 2026
Comprehensive database of down payment assistance (DPA) programs across 13 Southeast US states, curated by [Good News Lending](https://goodnewslending.com).
## Dataset Description
34 active DPA programs from state Housing Finance Agencies (HFAs), including grants, forgivable loans, deferred loans, and repayable second mortgages.
### States Covered (13)
Tennessee, Mississippi, Alabama, Georgia, Florida, Kentucky, Louisiana, North Carolina, South Carolina, Arkansas, Missouri, Texas, Virginia
### Program Types
| Type | Count | Description |
|------|-------|-------------|
| Forgivable | 14 | Forgiven over 5-15 years if you stay in the home |
| Grant | 8 | Free money, never repaid |
| Deferred | 7 | No payments until sale/refi/payoff |
| Repayable | 5 | Low-interest second mortgage with payments |
### Fields (25)
- uid=197609(thewe) gid=197609 groups=197609 - Unique program identifier (e.g., "TN-THDA-GREAT-CHOICE-PLUS")
- - Program name
- , - State name and 2-letter code
- - Administering agency
- - Official program page
- - grant, forgivable, deferred, or repayable
- , , - Assistance amount details
- - Human-readable amount summary
- - Forgiveness/repayment terms
- - Minimum credit score required
- - required, preferred, or not_required
- - Income limit details
- - Maximum home price (if applicable)
- - Compatible loan types (fha, va, usda, conventional)
- - Eligibility requirements list
- - Geographic coverage (Statewide, MSA-specific, etc.)
- - Key selling points
- - Expert commentary from licensed loan officers
- - Expert identifier (beau, tate, or wendy)
- - Whether program is currently active
- - Date of last verification
- - Data source attribution
- - Source URL
### Data Quality
- All program data verified against official state HFA websites as of March 2026
- Income limits, credit score requirements, and assistance amounts confirmed against published guidelines
- Expert insights from NMLS-licensed loan officers
## Usage
## Citation
## License
CC BY 4.0 - Attribution required. Data sourced from publicly available state Housing Finance Agency programs.
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