First Time Home Buyers Programme

Kansas KHRC First-Time Homebuyer Program This program by Kansas Housing Resources Corporation (KHRC) offers down payment assistance, aiming to assist first-time homebuyers by overcoming the hurdle of covering down payment and closing costs. Highlights: Offers a loan covering 15-20% of the home's purchase price through a network of participating lenders across the state Forgiveness of...

Alabama Step Up Program by Alabama Housing Finance Authority (AHFA) The Step Up Program is designed for moderate-income homebuyers a competitive 30-year fixed interest rate and a down payment assistance option. Highlights: Offers 30-year conventional (HFA Advantage), FHA loan or VA loan at a competitive rate, along with down payment assistance. Eligibility: Income limit: Up to...

Washington WSHFC Home Advantage The Washington State Housing Finance Commission’s (WSHFC) Home Advantage First Mortgage Loan provides a pathway to homeownership for eligible individuals. Highlights: Applicable to conventional, FHA, VA, or USDA loans 30-year, fixed term First come, first served Eligibility: A U.S. citizen or Non-US Citizen(s) who are lawfully present in...

Utah Utah Housing FirstHome Loan The Utah Housing First Time Buyer Program, known as FirstHome Loan, typically has the lowest interest rate and is geared towards first-time homebuyers with a credit score of 660 or higher and their income and purchase price are below the posted limits. Highlights: Designed for first-time buyers, including eligible single parents and veterans. Low-interest...

Tennessee THDA Great Choice Home Loan The Great Choice Home Loan program, provided by the Tennessee Housing Development Agency (THDA), is available for both first-time and repeat homebuyers. This program is applicable to conventional, FHA, VA, or USDA-RD loans, offering 30-year fixed-rate loans. Highlights: 30-year fixed interest rate home loan available through private banks and...

South Carolina SC Housing Homebuyer Program The SC Housing Homebuyer Program supports low-to-moderate income families with a competitive fixed-interest rate mortgage loan. Additionally, down payment assistance, available based on funding, can be used for both down payments and closing costs. Highlights: Low, fixed interest rates Down Payment Assistance...

Pennsylvania HFA Preferred (Lo MI) The HFA PreferredTM (Lo MI) program, offered by the Pennsylvania Housing Finance Agency (PHFA), is a conventional loan product tailored for Housing Finance Agencies (HFAs). This program provides a fully amortized 30-year fixed-rate term. PHFA collaborates with approved participating lenders, acting as the servicer throughout the loan's life. While the lender...

Ohio Ohio Housing Finance Agency (OHFA) First-Time Homebuyer Program OHFA collaborates with mortgage lenders to offer a variety of loans suitable for first-time homebuyers, including conventional, FHA, VA, and USDA loans. These 30-year, fixed-rate mortgage loans feature generous income and purchase price limits designed especially for homebuyers with low- and moderate-...

Nebraska NIFA Homebuyer Assistance Program (HBA) The NIFA Homebuyer Assistance Program (HBA) facilitates homeownership, offering solutions for those without a down payment or closing costs. This program empowers you to purchase a home with a minimal investment of $1,000, subject to NIFA's first-time homebuyer eligibility requirements. Highlights: Low-interest mortgage coupled with down...

Louisiana LHC Mortgage Revenue Bond (MRB) Program The Louisiana Housing Corporation (LHC) offers the Mortgage Revenue Bond (MRB) Program aimed at assisting first-time homebuyers in securing financing while providing down payment and closing cost assistance. This program comprises two primary initiatives: Mortgage Revenue Bond Home and Mortgage Revenue Bond Assisted. Mortgage Revenue Bond Home...