PROPERTY HUB / PROGRAMS & ASSISTANCE
Understand low-down-payment mortgages, affordable ownership and purchase assistance. Choose a program to read its conditions and get official application guidance.
Sources reviewed October 30, 2026. Open intake and funding must be confirmed with each program.
Select your state below to narrow the listings and open its official HUD housing resources. National programs still have local eligibility rules. This directory is a starting point, not a complete list of every local grant.
Browse HUD resources by state ↗ Find your state’s housing assistance agency ↗16 programs and resources
No down payment
Counseling-based homeownership program with a mortgage option that advertises no down payment, no closing costs and no mortgage insurance.
Complete NACA’s qualification and counseling process. Affordability, documented finances and program requirements still apply.
Rural · no down payment
A guaranteed mortgage program for eligible rural homes and qualifying households.
Address eligibility, household income and repayment requirements apply. No down payment does not mean no closing costs. Start with USDA’s program overview.
Rural · low income
USDA provides direct home loans for eligible low- and very-low-income households; payment assistance may reduce payments.
Apply through Rural Development. Rural location, income, repayment ability and available funding matter. Typically no down payment; asset rules may apply.
Military eligibility
A VA-backed purchase option for eligible veterans, service members and certain surviving spouses. Often no down payment or mortgage insurance.
Certificate of Eligibility, occupancy and credit/income requirements apply. A funding fee may apply unless exempt; closing costs or a price above appraised value can require cash.
Low down payment
FHA-insured mortgages may allow a down payment as low as 3.5% for eligible buyers.
Qualification, loan limits and mortgage insurance apply. Ask about total cash needed and ongoing insurance costs, not just the down payment.
As low as 3% down
A conventional mortgage option designed for eligible lower-income buyers, with flexible sources for down payment funds.
Income, principal-residence and underwriting rules apply; mortgage insurance may be required. Follow the official program guidance.
As low as 3% down
A low down payment conventional mortgage program for eligible low- and very-low-income borrowers.
Income limits, home requirements, underwriting and mortgage insurance rules apply. Education may be required.
Existing voucher participants
Some housing authorities let eligible voucher participants use assistance toward homeownership expenses.
Your local public housing authority must offer the program. Participation, qualification and counseling rules apply; this is not available in every area.
Local affiliate program
Partner with a local Habitat affiliate to pursue an affordable home and mortgage.
Habitat does not give homes away. Local selection, ability to pay, education and partnership requirements apply; availability varies.
Down payment & closing costs
Ohio assistance paired with an eligible mortgage can help cover upfront purchase costs.
Income, price, credit and education requirements apply. Assistance is forgiven after seven years; selling earlier requires repayment under current program terms. Confirm all written conditions.
Eligible local purchases
County-listed down-payment assistance can support eligible buyers with upfront homebuying costs.
This is a deferred, subordinated loan, not automatically a grant. Confirm participating locations, income limits, repayment terms and current funding with the program administrator.
Alabama homes only
Down-payment financing paired with a first mortgage for qualifying Alabama buyers.
The assistance is secured by a 10-year second mortgage. Income, credit, debt-to-income and education conditions apply. This option is not an Ohio program.
City or county programs
Local programs may use HOME funds to support affordable home purchases or rehabilitation.
Apply through the administering city, county or local partner. Assistance may be a grant or loan with occupancy, affordability, resale or repayment conditions.
Buy and renovate
An FHA mortgage option that can include eligible rehabilitation costs when purchasing a home.
Project scope, property standards, mortgage insurance and program review apply. Use the official FHA program overview before planning repairs.
Help choosing a program
Find housing counseling agencies that help with buying, budgeting and understanding available assistance.
Services are often free or low cost. Check each agency’s services and fees. Counseling does not guarantee mortgage or grant approval.
Explore your area
Ask a HUD-approved counselor about local down-payment assistance, matched-savings or IDA programs, and other homeownership options.
These are local options to ask about, not a promise that a program is open. Check location, savings requirements, funding and application deadlines.
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