🎁 Down Payment Assistance Calculator 2026
Find out how much FREE money you can get for your down payment. Grants up to $120K (no repayment). Enter your state, income, and home price. See if you qualify instantly.
🎁 Get up to $120K in FREE down payment assistance
Check My DPA Eligibility →No SSN required • Free • 60 seconds
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FHA: 3.5% • Conventional: 3-5%
DPA Programs by State (2026)
| State | Max Grant | Program | Repayment | Income Limit |
|---|---|---|---|---|
| California | $120,000 | CalHFA Dream For All | 0% interest, forgiven after 5 years | $180,000 |
| Texas | $15,000 | TDHCA My First Texas Home | 0% interest, no repayment | $97,400 |
| Georgia | $7,500 | Georgia Dream | 0% interest, forgiven after 10 years | $88,000 |
| Florida | $10,000 | Florida Hometown Heroes | 0% interest, forgiven after 5 years | $91,200 |
| North Carolina | $8,000 | NCHFA Advantage | 0% interest, forgiven after 15 years | $86,000 |
| Ohio | $5,000 | OHFA Grants for Grads | 0% interest, forgiven after 5 years | $78,000 |
| Pennsylvania | $6,000 | PHFA Keystone | 0% interest, forgiven after 10 years | $82,000 |
| New York | $15,000 | SONYMA Achieve the Dream | 0% interest, forgiven after 10 years | $103,000 |
| Illinois | $10,000 | IHDA SmartStart | 0% interest, forgiven after 5 years | $86,000 |
| Arizona | $17,000 | HOME Plus | 0% interest, forgiven after 3 years | $84,000 |
| Washington | $10,000 | WSHFC Home Advantage | 0% interest, forgiven after 5 years | $97,000 |
| Colorado | $25,000 | CHFA SmartStep | 0% interest, forgiven after 3 years | $95,000 |
| Michigan | $7,655 | MSHDA MI 10K DPA | 0% interest, forgiven after 5 years | $80,000 |
| Virginia | $10,000 | VHDA DPA Grant | No repayment (grant) | $89,000 |
DPA FAQ
What is down payment assistance (DPA)?
DPA programs provide FREE money (grants) or low-interest loans to help cover your down payment and closing costs. Most programs are run by state housing finance agencies. Grants typically range from $5K to $120K depending on your state and income. Many require NO repayment if you live in the home for 3-15 years.
→ Check my DPA eligibility →Do I have to be a first-time home buyer to get DPA?
Most programs require first-time buyer status (no home ownership in the last 3 years). However, some programs have exceptions for veterans, buyers in targeted revitalization areas, or single parents. Check your state's specific rules.
→ Check my DPA eligibility →How much free money can I get for my down payment?
It varies by state: California up to $120K (CalHFA Dream For All), Texas up to $15K (TDHCA), Georgia up to $7.5K, Colorado up to $25K, Arizona up to $17K. Most programs cap the grant at a percentage of the home price or your total cash needed.
→ Check my DPA eligibility →Is down payment assistance really free money?
Yes — if it's a grant (not a loan). Grants are forgiven after a set period (3-15 years) if you live in the home. Some programs offer 0% interest second loans that only need repayment if you sell or refinance before the forgiveness period. Always ask: "Is this a grant or a loan?"
→ Check my DPA eligibility →Can I combine DPA with FHA or conventional loans?
Yes! Most DPA programs work with FHA, conventional, and sometimes VA/USDA. The DPA grant covers your down payment, and the FHA/conventional loan covers the rest. This is how many buyers purchase with less than $5K out of pocket.
→ Check my DPA eligibility →