---
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.