Down Payment Assistance
Free money for your down payment is hiding in plain sight.
Federal, state, county, and city programs hand out grants, forgivable seconds, and deferred loans every year — and most homebuyers never find them. Our database indexes thousands across all 50 states, kept up to date so you can match in under a minute.
2,500+
Programs indexed
50 states
Full coverage
$85k
Largest single award
Free
For homebuyers
How It Works
Three steps. No phone calls.
Tell us where you're buying
Pick your state and we surface every program that operates there — federal, state, county, and city.
Filter to what fits you
Grant, forgivable, or deferred? First-time buyer programs only? Income-based? Filter and save what looks right.
Apply directly
Each program links straight to its official site with eligibility and contact info. We don't take a cut — programs pay nothing to be listed.
Three flavors of help
Programs structure their assistance differently. Here's what each badge in the search means.
Free money you keep
No repayment, no lien, no strings. The grant counts toward your down payment and is yours forever — you can sell the house the next day and keep it.
Loan that becomes a gift
Acts like a second mortgage that's forgiven a little each year you stay in the home. Stay long enough (usually 5–10 years) and you owe nothing.
Pay it back later
A second loan with no monthly payment. Repaid only when you sell, refinance, or pay off the first mortgage. Often 0% interest.
Most buyers leave this money on the table.
Sign up free and search every program that fits you in under a minute. No phone calls, no spam, no fee.
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