metadata
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.
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.