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Local Homebuying Programs
In addition to HUD's mortgage insurance programs, there may be programs sponsored by your state or local government or other organizations. Select the state that interests you:
Click Here For Information In Your State!
Home Buyer Tax Credits
Tax Credits Provide Outstanding Opportunities for Home Buyers
The Worker, Homeownership, and Business Assistance Act of 2009 has extended the tax credit of up to $8,000 for qualified first-time home buyers purchasing a principal residence. It also authorized a tax credit of up to $6,500 for qualified repeat home buyers.
First Time Home Buyer mortgage loan scenarios
First Time Home Buyer mortgage loan scenarios
A first time home buyer having marginal credit A first time home buyer not having enough money to close with, or A first time home buyer not being able to come up with enough down payment cash or not accepting the terms of mortgage loan financing offered
First Time Home Buyer mortgage loan solution
Non-profit organizations and Local or state agencies offer grants, gifts and down payment assistance programs to help with a down payment for your home.
Up to 100% loan-to-value on 1st lien Credit scores are not considered Derogatory credit within the last year considered with letter of explanation Fixed mortgage rates and assumable No mortgage prepayment penalties No income limits 6% seller concessions allowed Up to $25,000 of down payment assistance (Available to qualified buyers) Non-occupying cosigners allowed Manufactured housing and 1 to 4-unit dwellings allowed Grant can pay for closing costs and down payment.
Home Buyer Grants
Buying a Home - Information on home buying grants, mortgages, government grants, first time home buyer grants and down payment assistance programs for buying a home.
Most states offer various government grants, down payment assistance, first time home buyer grants and loans, home buying grants and mortgage loan programs for buying a home with no money down.
We have compiled a list of the hundreds of these types of available programs. Each listed program has the contact information, phone numbers, addresses, and web site addresses, if available.
Use this page to help you locate some of the available mortgages and home loan programs, as well as home buying government grants sponsored by your state, local government or other organizations in the area you wish to buy a home. Additionally there are listings of the first time home buyer grants organized by state.
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