First-Time Homebuyer Programs Available in Multiple States: 

  • FHA loans offer low down payment options and more flexible credit requirements compared to conventional loans. Available nationwide. 

    • Contact: Toll-Free: 1-800-CALL-FHA (1-800-225-5342) | TTY: 1-800-877-8339 | Email: answers@hud.gov 

  • Available to eligible military service members, veterans, and their spouses, VA loans offer no down payment and lower interest rates compared to conventional loans. Available nationwide. 

    • Website: VA Loans 

    • Contact: Toll-Free: 1-877-827-3702 

  • Designed to help low-to-moderate-income families in rural areas purchase homes, USDA loans offer no down payment and competitive interest rates. 

    • Website: USDA Rural Development 

    • Contact: Toll-Free: 1-800-670-6553

  • HUD’s program offers a discount of up to 50% off eligible HUD-owned homes for law enforcement officers, teachers, firefighters, and EMTs. 

    • Website: HUD Good Neighbor Next Door 

    • Contact: FHA Resource Center: 1-800-225-5342 

  • HomeReady offers low down payment options and flexible eligibility criteria for low-to-moderate-income borrowers. 

    • Website: Fannie Mae HomeReady 

    • Contact: Toll-Free: 1-800-732-6643

  • Like HomeReady, Home Possible offers low-down payments and flexible criteria for low-to-moderate-income borrowers. 

    • Website: Freddie Mac Home Possible 

    • Contact: Toll-Free: 1-800-373-3343

  • HUD offers various programs through state and local housing agencies that provide down payment and closing cost assistance to first-time homebuyers. 

    • Website: HUD Homeownership Assistance 

    • Contact: Toll-Free: 1-800-CALL-FHA (1-800-225-5342) 

  • Offered by some state and local governments, MCC programs provide eligible first-time homebuyers with a tax credit on a portion of their mortgage interest payments, which can help lower their overall tax liability. Available in multiple states.MCC programs provide eligible first-time homebuyers with a tax credit on mortgage interest payments, lowering overall tax liability. Available in some states. 

    • Website: Contact your state housing finance authority for local MCC program details. 

  • EEMs, available through FHA and VA loans, allow borrowers to finance energy-efficient improvements as part of their mortgage. 

    • Website: HUD EEM Program 

    • Contact: FHA Resource Center: 1-800-225-5342 

  • NACA provides affordable homeownership options with no down payment, no closing costs, and below-market interest rates. 

    • Contact: Toll-Free: 1-425-602-6222 

These programs offer various forms of assistance, including down payment and closing cost assistance, favorable loan terms, and home ownership education and counseling.

Eligibility requirements and program availability may vary by state, so it's essential for potential homebuyers to research and explore all available options and consult with qualified housing counselors or lenders.