First-Time Home Buyer Programs by State 2026
Every state has programs to help first-time buyers — down payment grants up to $35,000+, low-rate loans, and tax credits. Find your state below and see exactly what you qualify for.
💡 Quick fact: 87% of first-time buyers qualify for at least one state assistance program. Most require: first-time buyer status (or 3+ years since owning), income limits (typically $80K-$130K), and a minimum credit score of 620-640.
Top States with the Best Programs
These 6 states have the highest grants, most flexible income limits, and most popular programs in 2026.
Florida
Hometown Heroes + Florida Assist
$35,000
View full guide →
California
CalHFA Dream For All
Up to $150K
View full guide →
Texas
TDHCA My First Texas Home
Up to 5%
View full guide →
New York
SONYMA Low-Interest
$15K DPA
View full guide →
Ohio
OHFA Your Choice!
2.5-5% DPA
View full guide →
Pennsylvania
PHFA HOMEstead
$10K DPA
View full guide →
Find Your State Program + Get Pre-Approved
Many lenders specialize in state assistance programs. Compare now to maximize your benefits.
All 50 States — First-Time Buyer Programs
AHFA Step Up
AHFC First Home
HOME+PLUS
ADFA MCC
CalHFA
CHFA HomeAccess
CHFA DAP
DSHA SMAL
Hometown Heroes
Georgia Dream
HHFDC HFHL
IHFA FTB
IHDA Access
IHCDA FTB
Iowa Finance
KHRC FTB
KHC Home Buyer
LHC Soft-Second
MaineHousing FTB
MMP DHCD
MHP ONE+
MSHDA MI Home
MHFA Start Up
MHFA Smart Solution
MHDC First Place
MBOH Bond Advantage
NIFA HBA
NHD Home Is Possible
NHHFA Home Flex
NJHMFA FTB
MFA FirstHome
SONYMA Low-Interest
NCHFA NC Home Advantage
NDHFA HomeAccess
OHFA Your Choice!
OHFA Dream
OHCS Bond Residential
PHFA HOMEstead
RIHousing FTB
SC Housing Loan
SDHDA Fixed Rate Plus
THDA Great Choice
TDHCA My First
UHC Score Loan
VHFA Move Program
VHDA Mortgage
WSHFC Home Advantage
WVHDF FTB
WHEDA Home Advantage
Wyoming FTB
Data as of May 2026. Program availability and amounts change — always verify directly with your state housing agency.