HUD Down Payment & Homebuyer Assistance

Administered by HUD / State Housing Finance Agencies · hud.gov

HUD-approved programs provide down payment assistance, closing cost help, and below-market mortgages for first-time and low-to-moderate income homebuyers.

Eligibility requirements

✓First-time homebuyer (or not owned in 3+ years)
✓Income within program limits (varies by area)
✓Complete HUD-approved homebuyer education

Insider tip

Search your state's housing finance agency for programs — most states have $10,000–$25,000 forgivable loan programs that are essentially free money if you stay in the home 3-5 years.

How to apply

Apply directly on the official website. GrantLantern does not process applications — we link you directly to the source.

Apply at hud.gov →

Opens the official source. GrantLantern is not affiliated with this program.

Program details sourced from official government and agency websites. Eligibility is determined by the administering agency — not GrantLantern. Verify current requirements at the official source before applying.

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