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+{"id":"TN-THDA-GREAT-CHOICE-PLUS","name":"Great Choice Plus","state":"Tennessee","state_code":"TN","administrator":"Tennessee Housing Development Agency (THDA)","program_url":"https://thda.org/homebuyers/great-choice-home-loan-program","type":"forgivable","amount_fixed":6000,"amount_percentage":null,"amount_max":15000,"amount_description":"$6,000 (below 680 credit) or up to $15,000 (680+ credit)","terms":"Forgiven over 15 years (1/15th annually). Due in full if you sell, refinance, or move out before 15 years.","credit_score_min":640,"first_time_buyer":"required","income_limit_description":"Varies by county — typically $98,760 to $117,400","max_purchase_price":null,"loan_types":["fha","va","usda","conventional"],"requirements":["Complete homebuyer education course","Primary residence only","Must use THDA Great Choice first mortgage","Purchase price within county limits"],"coverage":"All 95 Tennessee counties","highlights":["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"],"expert_insight":"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.","expert_id":"beau","is_active":true,"last_updated":"2026-03-08","source":"Good News Lending","source_url":"https://goodnewslending.com/down-payment-assistance"}
+{"id":"TN-THDA-HOMEOWNERSHIP-BRAVE","name":"Homeownership for the Brave","state":"Tennessee","state_code":"TN","administrator":"Tennessee Housing Development Agency (THDA)","program_url":"https://thda.org/homebuyers/homeownership-for-the-brave","type":"forgivable","amount_fixed":25000,"amount_percentage":null,"amount_max":null,"amount_description":"Up to $25,000 for veterans and service members","terms":"Forgiven after remaining in the home for the required period. Due if sold or refinanced early.","credit_score_min":640,"first_time_buyer":"not_required","income_limit_description":"Higher income limits than Great Choice — varies by county","max_purchase_price":null,"loan_types":["fha","va","usda","conventional"],"requirements":["Active-duty military, veteran, or reservist/Guard member","OR law enforcement, firefighter, EMT, or paramedic","Primary residence only","Homebuyer education course"],"coverage":"All 95 Tennessee counties","highlights":["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"],"expert_insight":"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.","expert_id":"beau","is_active":true,"last_updated":"2026-03-08","source":"Good News Lending","source_url":"https://goodnewslending.com/down-payment-assistance"}
+{"id":"TN-THDA-GREAT-CHOICE-PLUS-SECOND","name":"Great Choice Plus (Second Mortgage Option)","state":"Tennessee","state_code":"TN","administrator":"Tennessee Housing Development Agency (THDA)","program_url":"https://thda.org/homebuyers/great-choice-home-loan-program","type":"repayable","amount_fixed":null,"amount_percentage":6,"amount_max":null,"amount_description":"Up to 6% of the purchase price as a second mortgage","terms":"Amortizing 15-year second mortgage at the THDA first mortgage rate plus 1%. Monthly payments required.","credit_score_min":640,"first_time_buyer":"required","income_limit_description":"Same county-based limits as Great Choice Plus","max_purchase_price":null,"loan_types":["fha","va","usda","conventional"],"requirements":["Homebuyer education course","Primary residence only","Must use THDA Great Choice first mortgage"],"coverage":"All 95 Tennessee counties","highlights":["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"],"expert_insight":null,"expert_id":"tate","is_active":true,"last_updated":"2026-03-08","source":"Good News Lending","source_url":"https://goodnewslending.com/down-payment-assistance"}
+{"id":"MS-MHC-DPA14","name":"DPA 14","state":"Mississippi","state_code":"MS","administrator":"Mississippi Home Corporation (MHC)","program_url":"https://www.mshomecorp.com/homebuyers/dpa14","type":"grant","amount_fixed":14000,"amount_percentage":null,"amount_max":null,"amount_description":"$14,000 total: $7,000 grant + $7,000 forgivable second mortgage","terms":"The $7,000 grant requires no repayment. The $7,000 forgivable second mortgage is forgiven after 10 years of continuous occupancy.","credit_score_min":640,"first_time_buyer":"required","income_limit_description":"Varies by county — typically around $98,760","max_purchase_price":null,"loan_types":["fha","va","usda","conventional"],"requirements":["Homebuyer education course","Primary residence only","Must use MHC first mortgage","Income within county limits"],"coverage":"All 82 Mississippi counties","highlights":["$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"],"expert_insight":"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.","expert_id":"beau","is_active":true,"last_updated":"2026-03-08","source":"Good News Lending","source_url":"https://goodnewslending.com/down-payment-assistance"}
+{"id":"MS-MHC-SMART6","name":"Smart6","state":"Mississippi","state_code":"MS","administrator":"Mississippi Home Corporation (MHC)","program_url":"https://www.mshomecorp.com/homebuyers/smart6","type":"forgivable","amount_fixed":6000,"amount_percentage":null,"amount_max":null,"amount_description":"$6,000 forgivable second mortgage","terms":"Forgiven after 10 years of continuous occupancy. Due in full if you sell, refinance, or move out before 10 years.","credit_score_min":640,"first_time_buyer":"required","income_limit_description":"Higher income limits than DPA 14 — up to 110% AMI","max_purchase_price":null,"loan_types":["fha","va","usda","conventional"],"requirements":["Homebuyer education course","Primary residence only","Must use MHC first mortgage"],"coverage":"All 82 Mississippi counties","highlights":["$6,000 forgivable assistance","Higher income limits than DPA 14","No monthly payments on assistance","Forgiven after 10 years"],"expert_insight":null,"expert_id":"tate","is_active":true,"last_updated":"2026-03-08","source":"Good News Lending","source_url":"https://goodnewslending.com/down-payment-assistance"}
+{"id":"MS-MHC-TRUSTY10","name":"Trusty 10","state":"Mississippi","state_code":"MS","administrator":"Mississippi Home Corporation (MHC)","program_url":"https://www.mshomecorp.com/homebuyers/trusty10","type":"repayable","amount_fixed":10000,"amount_percentage":null,"amount_max":null,"amount_description":"$10,000 amortizing second mortgage","terms":"10-year amortizing second mortgage at competitive rate. Monthly payments required.","credit_score_min":640,"first_time_buyer":"required","income_limit_description":"Varies by county","max_purchase_price":null,"loan_types":["fha","va","usda","conventional"],"requirements":["Homebuyer education course","Primary residence only","Must use MHC first mortgage"],"coverage":"All 82 Mississippi counties","highlights":["$10,000 assistance — higher than Smart6","Monthly payments on second mortgage","10-year repayment term","Good for buyers needing more than $6K"],"expert_insight":null,"expert_id":"tate","is_active":true,"last_updated":"2026-03-08","source":"Good News Lending","source_url":"https://goodnewslending.com/down-payment-assistance"}
+{"id":"AL-AHFA-STEP-UP","name":"Step Up Program","state":"Alabama","state_code":"AL","administrator":"Alabama Housing Finance Authority (AHFA)","program_url":"https://www.ahfa.com/homebuyers/programs-available","type":"repayable","amount_fixed":null,"amount_percentage":4,"amount_max":10000,"amount_description":"Up to $10,000 or 4% of purchase price (whichever is less)","terms":"10-year second mortgage at 0% interest. Monthly payments required. Due in full if you sell, transfer, or refinance.","credit_score_min":640,"first_time_buyer":"required","income_limit_description":"Up to $159,200 depending on county and household size","max_purchase_price":375000,"loan_types":["fha","va","usda","conventional"],"requirements":["Homebuyer education course","Primary residence only","Must use AHFA first mortgage","Minimum $1,000 borrower contribution"],"coverage":"All 67 Alabama counties","highlights":["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"],"expert_insight":"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.","expert_id":"beau","is_active":true,"last_updated":"2026-03-08","source":"Good News Lending","source_url":"https://goodnewslending.com/down-payment-assistance"}
+{"id":"AL-AHFA-AFFORDABLE-INCOME-SUBSIDY","name":"Affordable Income Subsidy Grant","state":"Alabama","state_code":"AL","administrator":"Alabama Housing Finance Authority (AHFA)","program_url":"https://www.ahfa.com/homebuyers/programs-available","type":"grant","amount_fixed":null,"amount_percentage":1,"amount_max":null,"amount_description":"1% of the mortgage amount as a true grant","terms":"True grant — no repayment required.","credit_score_min":640,"first_time_buyer":"required","income_limit_description":"Household income at or below 80% AMI","max_purchase_price":null,"loan_types":["fha","va","usda","conventional"],"requirements":["Income at or below 80% AMI","Must combine with Step Up program","Homebuyer education course","Primary residence only"],"coverage":"All 67 Alabama counties","highlights":["True grant — never repaid","Stacks on top of Step Up program","For lower-income buyers (80% AMI or below)","Extra assistance at no cost"],"expert_insight":null,"expert_id":"tate","is_active":true,"last_updated":"2026-03-08","source":"Good News Lending","source_url":"https://goodnewslending.com/down-payment-assistance"}
+{"id":"AL-AHFA-MCC","name":"Mortgage Credit Certificate (MCC)","state":"Alabama","state_code":"AL","administrator":"Alabama Housing Finance Authority (AHFA)","program_url":"https://www.ahfa.com/homebuyers/programs-available","type":"grant","amount_fixed":null,"amount_percentage":50,"amount_max":2000,"amount_description":"Federal tax credit of up to 50% of mortgage interest paid (max $2,000/year)","terms":"Annual federal tax credit for the life of the loan. Reduces your tax liability dollar-for-dollar.","credit_score_min":640,"first_time_buyer":"required","income_limit_description":"Same as Step Up income limits","max_purchase_price":null,"loan_types":["fha","va","usda","conventional"],"requirements":["Must use AHFA first mortgage","Cannot combine with Step Up DPA (choose one)","Primary residence only","Must file federal taxes to claim credit"],"coverage":"All 67 Alabama counties","highlights":["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"],"expert_insight":null,"expert_id":"tate","is_active":true,"last_updated":"2026-03-08","source":"Good News Lending","source_url":"https://goodnewslending.com/down-payment-assistance"}
+{"id":"GA-DCA-GEORGIA-DREAM-STANDARD","name":"Georgia Dream Standard Down Payment Assistance","state":"Georgia","state_code":"GA","administrator":"Georgia Department of Community Affairs (DCA)","program_url":"https://www.dca.ga.gov/safe-affordable-housing/homeownership/georgia-dream-homeownership-program","type":"deferred","amount_fixed":10000,"amount_percentage":null,"amount_max":null,"amount_description":"$10,000 second mortgage at 0% interest, no monthly payments","terms":"Deferred at 0% interest — no monthly payments. Due when you sell, refinance, or transfer the home.","credit_score_min":640,"first_time_buyer":"required","income_limit_description":"Varies by county — typically $86,000 to $126,000 for 1-2 person household","max_purchase_price":375000,"loan_types":["fha","va","usda","conventional"],"requirements":["Homebuyer education course","Primary residence only","Must use Georgia Dream first mortgage","Minimum $1,000 borrower investment (can be gift)"],"coverage":"All 159 Georgia counties","highlights":["$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"],"expert_insight":"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.","expert_id":"beau","is_active":true,"last_updated":"2026-03-08","source":"Good News Lending","source_url":"https://goodnewslending.com/down-payment-assistance"}
+{"id":"GA-DCA-GEORGIA-DREAM-PEN","name":"Georgia Dream PEN (Protectors, Educators, Nurses)","state":"Georgia","state_code":"GA","administrator":"Georgia Department of Community Affairs (DCA)","program_url":"https://www.dca.ga.gov/safe-affordable-housing/homeownership/georgia-dream-homeownership-program","type":"deferred","amount_fixed":12500,"amount_percentage":null,"amount_max":null,"amount_description":"$12,500 — $10,000 standard + $2,500 PEN bonus","terms":"Same terms as standard Georgia Dream — 0% interest, deferred until sale or refinance.","credit_score_min":640,"first_time_buyer":"required","income_limit_description":"Same income limits as standard Georgia Dream","max_purchase_price":null,"loan_types":["fha","va","usda","conventional"],"requirements":["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"],"coverage":"All 159 Georgia counties","highlights":["$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"],"expert_insight":"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.","expert_id":"beau","is_active":true,"last_updated":"2026-03-08","source":"Good News Lending","source_url":"https://goodnewslending.com/down-payment-assistance"}
+{"id":"GA-DCA-GEORGIA-DREAM-HEROES","name":"Georgia Dream Military/Heroes","state":"Georgia","state_code":"GA","administrator":"Georgia Department of Community Affairs (DCA)","program_url":"https://www.dca.ga.gov/safe-affordable-housing/homeownership/georgia-dream-homeownership-program","type":"deferred","amount_fixed":12500,"amount_percentage":null,"amount_max":null,"amount_description":"$12,500 — $10,000 standard + $2,500 military bonus","terms":"0% interest, deferred until sale or refinance.","credit_score_min":640,"first_time_buyer":"required","income_limit_description":"Same as standard Georgia Dream","max_purchase_price":null,"loan_types":["fha","va","usda","conventional"],"requirements":["Active-duty military or veteran","Homebuyer education course","Primary residence only"],"coverage":"All 159 Georgia counties","highlights":["$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"],"expert_insight":null,"expert_id":"beau","is_active":true,"last_updated":"2026-03-08","source":"Good News Lending","source_url":"https://goodnewslending.com/down-payment-assistance"}
+{"id":"FL-FHFC-FLORIDA-ASSIST","name":"Florida Assist (FL Assist)","state":"Florida","state_code":"FL","administrator":"Florida Housing Finance Corporation (FHFC)","program_url":"https://www.floridahousing.org/programs/homebuyer-overview-page/florida-assist","type":"deferred","amount_fixed":10000,"amount_percentage":null,"amount_max":null,"amount_description":"$10,000 deferred second mortgage at 0% interest","terms":"Deferred at 0% interest — no monthly payments. Due when you sell, refinance, or no longer occupy as primary residence.","credit_score_min":640,"first_time_buyer":"required","income_limit_description":"Varies by county — typically 80-115% AMI","max_purchase_price":null,"loan_types":["fha","va","usda"],"requirements":["Homebuyer education course","Primary residence only","Must use FHFC first mortgage (HLP or HFA Preferred)"],"coverage":"All 67 Florida counties","highlights":["$10,000 at 0% interest — no monthly payments","Deferred until sale or refinance","Works with FHA, VA, and USDA loans","Available statewide"],"expert_insight":"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.","expert_id":"beau","is_active":true,"last_updated":"2026-03-08","source":"Good News Lending","source_url":"https://goodnewslending.com/down-payment-assistance"}
+{"id":"FL-FHFC-HOMETOWN-HEROES","name":"Hometown Heroes","state":"Florida","state_code":"FL","administrator":"Florida Housing Finance Corporation (FHFC)","program_url":"https://www.floridahousing.org/programs/homebuyer-overview-page/hometown-heroes","type":"forgivable","amount_fixed":null,"amount_percentage":5,"amount_max":35000,"amount_description":"Up to 5% of first mortgage amount (max $35,000)","terms":"Forgiven after 5 years if you remain in the home. Second mortgage at 0% interest, no payments.","credit_score_min":640,"first_time_buyer":"required","income_limit_description":"Up to 150% AMI — higher limits than most programs","max_purchase_price":null,"loan_types":["fha","va","usda","conventional"],"requirements":["Must be employed full-time by a Florida employer","Homebuyer education course","Primary residence only","Must use FHFC first mortgage"],"coverage":"All 67 Florida counties","highlights":["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)"],"expert_insight":"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.","expert_id":"tate","is_active":true,"last_updated":"2026-03-08","source":"Good News Lending","source_url":"https://goodnewslending.com/down-payment-assistance"}
+{"id":"FL-FHFC-HLP-3-PERCENT","name":"HLP 3% Grant","state":"Florida","state_code":"FL","administrator":"Florida Housing Finance Corporation (FHFC)","program_url":"https://www.floridahousing.org/programs/homebuyer-overview-page","type":"grant","amount_fixed":null,"amount_percentage":3,"amount_max":null,"amount_description":"3% of purchase price as a true grant","terms":"True grant — no repayment required.","credit_score_min":640,"first_time_buyer":"required","income_limit_description":"Varies by county — typically 80% AMI","max_purchase_price":null,"loan_types":["fha"],"requirements":["Must use FHFC HLP first mortgage","Homebuyer education course","Primary residence only","FHA loans only"],"coverage":"All 67 Florida counties","highlights":["3% grant — never repaid","Covers most of FHA 3.5% down payment","No second mortgage to worry about","Simple, straightforward program"],"expert_insight":null,"expert_id":"tate","is_active":true,"last_updated":"2026-03-08","source":"Good News Lending","source_url":"https://goodnewslending.com/down-payment-assistance"}
+{"id":"KY-KHC-REGULAR-DAP","name":"Regular Down Payment Assistance (DAP)","state":"Kentucky","state_code":"KY","administrator":"Kentucky Housing Corporation (KHC)","program_url":"https://www.kyhousing.org/Homebuyers/Pages/default.aspx","type":"forgivable","amount_fixed":10000,"amount_percentage":null,"amount_max":null,"amount_description":"Up to $10,000 forgivable second mortgage","terms":"Forgiven over 10 years (1/10th annually). Due in full if you sell, refinance, or move out before 10 years.","credit_score_min":640,"first_time_buyer":"required","income_limit_description":"Varies by county — typically up to $117,400","max_purchase_price":375000,"loan_types":["fha","va","usda","conventional"],"requirements":["Homebuyer education course","Primary residence only","Must use KHC first mortgage"],"coverage":"All 120 Kentucky counties","highlights":["Up to $10,000 forgivable assistance","Forgiven over 10 years","No monthly payments on assistance","Works with all major loan types"],"expert_insight":"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.","expert_id":"beau","is_active":true,"last_updated":"2026-03-08","source":"Good News Lending","source_url":"https://goodnewslending.com/down-payment-assistance"}
+{"id":"KY-KHC-AFFORDABLE-DAP","name":"Affordable DAP","state":"Kentucky","state_code":"KY","administrator":"Kentucky Housing Corporation (KHC)","program_url":"https://www.kyhousing.org/Homebuyers/Pages/default.aspx","type":"repayable","amount_fixed":12500,"amount_percentage":null,"amount_max":null,"amount_description":"Up to $12,500 as a 10-year second mortgage","terms":"10-year amortizing second mortgage at 5.5% interest. Monthly payments required.","credit_score_min":640,"first_time_buyer":"required","income_limit_description":"Same county limits as Regular DAP","max_purchase_price":null,"loan_types":["fha","va","usda","conventional"],"requirements":["Homebuyer education course","Primary residence only","Must use KHC first mortgage"],"coverage":"All 120 Kentucky counties","highlights":["$12,500 — $2,500 more than Regular DAP","Monthly payments on second mortgage","Good for buyers needing more assistance","Works with all loan types"],"expert_insight":null,"expert_id":"tate","is_active":true,"last_updated":"2026-03-08","source":"Good News Lending","source_url":"https://goodnewslending.com/down-payment-assistance"}
+{"id":"LA-LHC-RESILIENCE-SOFT-SECOND","name":"Resilience Soft Second","state":"Louisiana","state_code":"LA","administrator":"Louisiana Housing Corporation (LHC)","program_url":"https://www.lhc.la.gov/down-payment-assistance-homebuyers","type":"deferred","amount_fixed":null,"amount_percentage":null,"amount_max":60000,"amount_description":"Up to $60,000 deferred second mortgage at 0% interest","terms":"Deferred at 0% interest — no monthly payments. Due when you sell, refinance, or transfer the property.","credit_score_min":640,"first_time_buyer":"preferred","income_limit_description":"Up to 80% AMI for most parishes","max_purchase_price":null,"loan_types":["fha","va","usda","conventional"],"requirements":["Homebuyer education course","Primary residence only","Property must be in eligible Louisiana parish","Funds for down payment, closing costs, and/or rehabilitation"],"coverage":"Select Louisiana parishes — primarily disaster-affected areas","highlights":["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"],"expert_insight":"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.","expert_id":"beau","is_active":true,"last_updated":"2026-03-08","source":"Good News Lending","source_url":"https://goodnewslending.com/down-payment-assistance"}
+{"id":"LA-LHC-MRB-DPA","name":"Mortgage Revenue Bond (MRB) DPA","state":"Louisiana","state_code":"LA","administrator":"Louisiana Housing Corporation (LHC)","program_url":"https://www.lhc.la.gov/down-payment-assistance-homebuyers","type":"forgivable","amount_fixed":10000,"amount_percentage":null,"amount_max":null,"amount_description":"Up to $10,000 forgivable second mortgage","terms":"Forgiven over 10 years. Due in full if you sell, refinance, or move out early.","credit_score_min":640,"first_time_buyer":"required","income_limit_description":"Varies by parish — typically 115% AMI","max_purchase_price":null,"loan_types":["fha","va","usda","conventional"],"requirements":["Homebuyer education course","Primary residence only","Must use LHC first mortgage"],"coverage":"All 64 Louisiana parishes","highlights":["$10,000 forgivable assistance","Available in all 64 parishes","No monthly payments","Forgiven over 10 years"],"expert_insight":null,"expert_id":"tate","is_active":true,"last_updated":"2026-03-08","source":"Good News Lending","source_url":"https://goodnewslending.com/down-payment-assistance"}
+{"id":"LA-LHC-MARKET-RATE-GNMA","name":"Market Rate GNMA Program","state":"Louisiana","state_code":"LA","administrator":"Louisiana Housing Corporation (LHC)","program_url":"https://www.lhc.la.gov/down-payment-assistance-homebuyers","type":"forgivable","amount_fixed":null,"amount_percentage":4,"amount_max":null,"amount_description":"Up to 4% of the loan amount as forgivable assistance","terms":"Forgiven over 10 years. No monthly payments required on assistance.","credit_score_min":640,"first_time_buyer":"not_required","income_limit_description":"No income limits — available to all qualifying borrowers","max_purchase_price":null,"loan_types":["fha"],"requirements":["FHA loans only","Primary residence only","Must use LHC-approved lender"],"coverage":"All 64 Louisiana parishes","highlights":["4% of loan amount as forgivable assistance","No income limits — wider eligibility","Not limited to first-time buyers","FHA loans only"],"expert_insight":null,"expert_id":"tate","is_active":true,"last_updated":"2026-03-08","source":"Good News Lending","source_url":"https://goodnewslending.com/down-payment-assistance"}
+{"id":"NC-NCHFA-1ST-HOME-ADVANTAGE","name":"NC 1st Home Advantage Down Payment","state":"North Carolina","state_code":"NC","administrator":"North Carolina Housing Finance Agency (NCHFA)","program_url":"https://www.nchfa.com/home-buyers/home-buyer-mortgage-products/nc-1st-home-advantage-down-payment","type":"forgivable","amount_fixed":15000,"amount_percentage":null,"amount_max":null,"amount_description":"$15,000 forgivable second mortgage","terms":"Forgiven over 15 years (20% forgiven in years 11-15). Due if you sell, refinance, or move out before full forgiveness.","credit_score_min":640,"first_time_buyer":"required","income_limit_description":"Up to $134,000 for 1-2 person household (varies by county)","max_purchase_price":null,"loan_types":["fha","va","usda","conventional"],"requirements":["Homebuyer education course","Primary residence only","Must use NCHFA first mortgage","First-time buyer or not owned in past 3 years"],"coverage":"All 100 North Carolina counties","highlights":["$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"],"expert_insight":"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.","expert_id":"tate","is_active":true,"last_updated":"2026-03-08","source":"Good News Lending","source_url":"https://goodnewslending.com/down-payment-assistance"}
+{"id":"NC-NCHFA-HOME-ADVANTAGE-MORTGAGE","name":"NC Home Advantage Mortgage","state":"North Carolina","state_code":"NC","administrator":"North Carolina Housing Finance Agency (NCHFA)","program_url":"https://www.nchfa.com/home-buyers/home-buyer-mortgage-products/nc-home-advantage-mortgage","type":"forgivable","amount_fixed":null,"amount_percentage":3,"amount_max":null,"amount_description":"3% of the loan amount as a forgivable second mortgage","terms":"Forgiven over 15 years. No monthly payments required.","credit_score_min":640,"first_time_buyer":"not_required","income_limit_description":"Up to $134,000 (varies by county)","max_purchase_price":null,"loan_types":["fha","va","usda","conventional"],"requirements":["Primary residence only","Must use NCHFA first mortgage","Not limited to first-time buyers"],"coverage":"All 100 North Carolina counties","highlights":["3% of loan amount — no cap","Not limited to first-time buyers","Forgivable over 15 years","All loan types accepted"],"expert_insight":"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.","expert_id":"tate","is_active":true,"last_updated":"2026-03-08","source":"Good News Lending","source_url":"https://goodnewslending.com/down-payment-assistance"}
+{"id":"NC-NCHFA-COMMUNITY-PARTNERS","name":"Community Partners Loan Pool (CPLP)","state":"North Carolina","state_code":"NC","administrator":"North Carolina Housing Finance Agency (NCHFA)","program_url":"https://www.nchfa.com/home-buyers/home-buyer-mortgage-products/community-partners-loan-pool","type":"deferred","amount_fixed":null,"amount_percentage":20,"amount_max":50000,"amount_description":"Up to 20% of purchase price (max $50,000) at 0% interest","terms":"Deferred at 0% interest — no monthly payments. Due when you sell, refinance, or transfer.","credit_score_min":640,"first_time_buyer":"required","income_limit_description":"Up to 80% AMI — for lower-income buyers","max_purchase_price":null,"loan_types":["fha","usda","conventional"],"requirements":["Income at or below 80% AMI","Homebuyer education course","Primary residence only","Must use NCHFA-approved lender"],"coverage":"All 100 North Carolina counties","highlights":["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"],"expert_insight":null,"expert_id":"beau","is_active":true,"last_updated":"2026-03-08","source":"Good News Lending","source_url":"https://goodnewslending.com/down-payment-assistance"}
+{"id":"SC-SCHOUSING-PALMETTO-HOME","name":"Palmetto Home Advantage","state":"South Carolina","state_code":"SC","administrator":"SC State Housing Finance and Development Authority","program_url":"https://www.schousing.com/Home/SCHousingHomebuyer","type":"forgivable","amount_fixed":null,"amount_percentage":4,"amount_max":null,"amount_description":"Up to 4% of the loan amount as a forgivable second mortgage","terms":"Forgiven over 15 years if you remain in the home. Due if sold, refinanced, or vacated early.","credit_score_min":640,"first_time_buyer":"not_required","income_limit_description":"Varies by county — competitive income limits","max_purchase_price":null,"loan_types":["fha","va","usda","conventional"],"requirements":["Homebuyer education course","Primary residence only","Must use SC Housing first mortgage"],"coverage":"All 46 South Carolina counties","highlights":["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"],"expert_insight":"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.","expert_id":"beau","is_active":true,"last_updated":"2026-03-08","source":"Good News Lending","source_url":"https://goodnewslending.com/down-payment-assistance"}
+{"id":"SC-SCHOUSING-PALMETTO-HEROES","name":"Palmetto Heroes","state":"South Carolina","state_code":"SC","administrator":"SC State Housing Finance and Development Authority","program_url":"https://www.schousing.com/Home/SCHousingHomebuyer","type":"forgivable","amount_fixed":10000,"amount_percentage":null,"amount_max":null,"amount_description":"$10,000 forgivable second mortgage for heroes","terms":"Forgiven over 15 years. No monthly payments required.","credit_score_min":640,"first_time_buyer":"required","income_limit_description":"Same as Palmetto Home Advantage","max_purchase_price":null,"loan_types":["fha","va","usda","conventional"],"requirements":["Must be military, law enforcement, firefighter, EMT, teacher, or nurse","Homebuyer education course","Primary residence only","First-time buyer required"],"coverage":"All 46 South Carolina counties","highlights":["$10,000 forgivable for heroes","For military, teachers, nurses, first responders","No monthly payments","Great near Fort Jackson, Shaw AFB, JB Charleston"],"expert_insight":"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.","expert_id":"beau","is_active":true,"last_updated":"2026-03-08","source":"Good News Lending","source_url":"https://goodnewslending.com/down-payment-assistance"}
+{"id":"AR-ADFA-ADDI","name":"ADFA Down Payment Assistance (ADDI)","state":"Arkansas","state_code":"AR","administrator":"Arkansas Development Finance Authority (ADFA)","program_url":"https://adfa.arkansas.gov/programs/homeloans/down-payment-assistance-program/","type":"forgivable","amount_fixed":10000,"amount_percentage":null,"amount_max":null,"amount_description":"$10,000 forgivable second mortgage","terms":"Forgiven after 5 years of continuous occupancy. Due in full if you sell, refinance, or move out before 5 years.","credit_score_min":640,"first_time_buyer":"required","income_limit_description":"Up to 80% AMI — for lower-income buyers","max_purchase_price":null,"loan_types":["fha","va","usda","conventional"],"requirements":["Homebuyer education course","Primary residence only","Must use ADFA first mortgage","Income at or below 80% AMI"],"coverage":"All 75 Arkansas counties","highlights":["$10,000 forgivable after just 5 years","Shortest forgiveness period in the region","No monthly payments on assistance","Works with all major loan types"],"expert_insight":"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.","expert_id":"beau","is_active":true,"last_updated":"2026-03-08","source":"Good News Lending","source_url":"https://goodnewslending.com/down-payment-assistance"}
+{"id":"AR-ADFA-DPA","name":"ADFA Down Payment Assistance (Standard)","state":"Arkansas","state_code":"AR","administrator":"Arkansas Development Finance Authority (ADFA)","program_url":"https://adfa.arkansas.gov/programs/homeloans/down-payment-assistance-program/","type":"repayable","amount_fixed":null,"amount_percentage":3.5,"amount_max":null,"amount_description":"Up to 3.5% of purchase price as a second mortgage","terms":"10-year second mortgage at below-market interest rate. Monthly payments required.","credit_score_min":640,"first_time_buyer":"required","income_limit_description":"Higher income limits than ADDI — up to 115% AMI","max_purchase_price":null,"loan_types":["fha","va","usda","conventional"],"requirements":["Homebuyer education course","Primary residence only","Must use ADFA first mortgage"],"coverage":"All 75 Arkansas counties","highlights":["Up to 3.5% of purchase price","Higher income limits than ADDI","Below-market interest rate","Good for buyers above 80% AMI"],"expert_insight":null,"expert_id":"tate","is_active":true,"last_updated":"2026-03-08","source":"Good News Lending","source_url":"https://goodnewslending.com/down-payment-assistance"}
+{"id":"MO-MHDC-FIRST-PLACE-CAL","name":"First Place Loan Program (Cash Assistance Loan)","state":"Missouri","state_code":"MO","administrator":"Missouri Housing Development Commission (MHDC)","program_url":"https://mhdc.com/services/homebuyer-programs/first-place/","type":"forgivable","amount_fixed":null,"amount_percentage":4,"amount_max":null,"amount_description":"Up to 4% of the loan amount as a forgivable second mortgage","terms":"Non-repayable cash assistance. Forgiven as long as you remain in the home through the term of your first mortgage.","credit_score_min":640,"first_time_buyer":"required","income_limit_description":"Varies by county — typically up to $98,760","max_purchase_price":375000,"loan_types":["fha","va","usda","conventional"],"requirements":["Homebuyer education course","Primary residence only","Must use MHDC first mortgage","First-time buyer or not owned in past 3 years"],"coverage":"All 115 Missouri counties","highlights":["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"],"expert_insight":"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.","expert_id":"beau","is_active":true,"last_updated":"2026-03-08","source":"Good News Lending","source_url":"https://goodnewslending.com/down-payment-assistance"}
+{"id":"MO-MHDC-NEXT-STEP","name":"Next Step Program","state":"Missouri","state_code":"MO","administrator":"Missouri Housing Development Commission (MHDC)","program_url":"https://mhdc.com/services/homebuyer-programs/next-step/","type":"forgivable","amount_fixed":null,"amount_percentage":4,"amount_max":null,"amount_description":"Up to 4% of the loan amount as a forgivable second mortgage","terms":"Non-repayable cash assistance. Same terms as First Place.","credit_score_min":640,"first_time_buyer":"not_required","income_limit_description":"Same county-based limits as First Place","max_purchase_price":null,"loan_types":["fha","va","usda","conventional"],"requirements":["Not limited to first-time buyers","Primary residence only","Must use MHDC first mortgage"],"coverage":"All 115 Missouri counties","highlights":["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"],"expert_insight":"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.","expert_id":"tate","is_active":true,"last_updated":"2026-03-08","source":"Good News Lending","source_url":"https://goodnewslending.com/down-payment-assistance"}
+{"id":"TX-TSAHC-HOMES-FOR-HEROES","name":"Homes for Texas Heroes","state":"Texas","state_code":"TX","administrator":"Texas State Affordable Housing Corporation (TSAHC)","program_url":"https://www.tsahc.org/homebuyers-renters/homes-for-texas-heroes-program","type":"grant","amount_fixed":null,"amount_percentage":5,"amount_max":null,"amount_description":"Up to 5% of the loan amount as a grant (or 3-year forgivable loan)","terms":"Grant option: no repayment. Forgivable loan option: forgiven after 3 years.","credit_score_min":620,"first_time_buyer":"not_required","income_limit_description":"Up to $117,240 for 1-2 person household (varies by county)","max_purchase_price":null,"loan_types":["fha","va","usda","conventional"],"requirements":["Teachers, police officers, firefighters, EMS, corrections officers, veterans","Primary residence only","Must use TSAHC-approved lender","Income within program limits"],"coverage":"All 254 Texas counties","highlights":["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)"],"expert_insight":"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.","expert_id":"beau","is_active":true,"last_updated":"2026-03-08","source":"Good News Lending","source_url":"https://goodnewslending.com/down-payment-assistance"}
+{"id":"TX-TSAHC-HOME-SWEET-TEXAS","name":"Home Sweet Texas","state":"Texas","state_code":"TX","administrator":"Texas State Affordable Housing Corporation (TSAHC)","program_url":"https://www.tsahc.org/homebuyers-renters/home-sweet-texas-home-loan-program","type":"grant","amount_fixed":null,"amount_percentage":5,"amount_max":null,"amount_description":"Up to 5% of the loan amount as a grant (or 3-year forgivable loan)","terms":"Grant option: no repayment. Forgivable loan option: forgiven after 3 years.","credit_score_min":620,"first_time_buyer":"not_required","income_limit_description":"Same county limits as Heroes program","max_purchase_price":null,"loan_types":["fha","va","usda","conventional"],"requirements":["Open to ALL Texas homebuyers (not just heroes)","Primary residence only","Must use TSAHC-approved lender","Income within program limits"],"coverage":"All 254 Texas counties","highlights":["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"],"expert_insight":"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.","expert_id":"tate","is_active":true,"last_updated":"2026-03-08","source":"Good News Lending","source_url":"https://goodnewslending.com/down-payment-assistance"}
+{"id":"TX-TDHCA-MY-FIRST-TEXAS-HOME","name":"My First Texas Home","state":"Texas","state_code":"TX","administrator":"Texas Department of Housing & Community Affairs (TDHCA)","program_url":"https://www.tdhca.state.tx.us/homeownership/fthb/","type":"deferred","amount_fixed":null,"amount_percentage":5,"amount_max":null,"amount_description":"Up to 5% of the mortgage amount as a deferred second lien","terms":"Deferred 30-year second lien at 0% interest. No monthly payments. Due when you sell, refinance, or transfer.","credit_score_min":620,"first_time_buyer":"required","income_limit_description":"Varies by county — TDHCA income limits","max_purchase_price":null,"loan_types":["fha","va","usda"],"requirements":["First-time buyer (not owned in past 3 years)","Homebuyer education course","Primary residence only","Must use TDHCA-approved lender"],"coverage":"All 254 Texas counties","highlights":["5% of mortgage as deferred assistance","0% interest, no monthly payments","30-year term — matches your mortgage","Works with FHA, VA, and USDA"],"expert_insight":null,"expert_id":"tate","is_active":true,"last_updated":"2026-03-08","source":"Good News Lending","source_url":"https://goodnewslending.com/down-payment-assistance"}
+{"id":"VA-VHOUSING-DPA-GRANT","name":"Virginia Housing DPA Grant","state":"Virginia","state_code":"VA","administrator":"Virginia Housing","program_url":"https://www.virginiahousing.com/homebuyers/down-payment-assistance","type":"grant","amount_fixed":null,"amount_percentage":2.5,"amount_max":null,"amount_description":"2% to 2.5% of the purchase price as a true grant","terms":"True grant — no repayment required.","credit_score_min":640,"first_time_buyer":"required","income_limit_description":"Varies by region — typically up to $117,400","max_purchase_price":null,"loan_types":["fha","va","usda","conventional"],"requirements":["Homebuyer education course","Primary residence only","Must use Virginia Housing first mortgage","First-time buyer or buying in targeted area"],"coverage":"Statewide (all Virginia cities and counties)","highlights":["True grant — never repaid","2% to 2.5% of purchase price","No second mortgage or lien","Simplest DPA structure available"],"expert_insight":"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.","expert_id":"beau","is_active":true,"last_updated":"2026-03-08","source":"Good News Lending","source_url":"https://goodnewslending.com/down-payment-assistance"}
+{"id":"VA-VHOUSING-CLOSING-COST-ASSIST","name":"Virginia Housing Closing Cost Assistance Grant","state":"Virginia","state_code":"VA","administrator":"Virginia Housing","program_url":"https://www.virginiahousing.com/homebuyers/down-payment-assistance","type":"grant","amount_fixed":null,"amount_percentage":2,"amount_max":null,"amount_description":"Up to 2% of the purchase price for closing costs","terms":"True grant — no repayment required. Can be combined with DPA Grant.","credit_score_min":640,"first_time_buyer":"required","income_limit_description":"Lower income limits than DPA Grant — up to 80% AMI","max_purchase_price":null,"loan_types":["fha","va","usda","conventional"],"requirements":["Income at or below 80% AMI","Must combine with Virginia Housing DPA Grant","Homebuyer education course","Primary residence only"],"coverage":"Statewide (all Virginia cities and counties)","highlights":["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)"],"expert_insight":null,"expert_id":"tate","is_active":true,"last_updated":"2026-03-08","source":"Good News Lending","source_url":"https://goodnewslending.com/down-payment-assistance"}