When curating resources for first-time buyers, it helps to balance national databases with educational tools so readers can find programs specific to their state, city, or career.
Recommended Down Payment Resources
Exploring down payment assistance can significantly reduce upfront costs for qualified buyers. Here are four essential national and local resources to guide your journey:
Down Payment Resource (DPR)
The gold standard search engine for buyers to find down payment assistance (DPA) programs, grants, and tax credits based on property location and occupation.
Access Search Engine →HUD Local Homebuying Programs
The U.S. Department of Housing and Urban Development provides direct links to state-specific programs, local housing counseling agencies, and federally backed assistance.
View State Programs →
Fannie Mae HomePath Ready Buyer & HomeView
Offers free, structured homeownership education courses that are frequently required to qualify for specific low-down-payment conventional loans or municipal grants.
Start Free Course →State & Local Housing Finance Agencies (HFAs)
Every state has an HFA (such as Florida Housing Finance Corporation for FL residents) offering below-market mortgage rates and down payment assistance second mortgages. Search for "[Their State] Housing Finance Agency."
Downsizing with Heart – Jill Hart
Written by broker, realtor, and author Jill Hart, Downsizing with Heart offers valuable insights into downsizing and estate planning—essential reading for both buyers and sellers navigating market transitions.
