National and multi-state programs

38 programs that are not tied to one state, including FHA, VA, USDA first mortgages, agency low down payment products, Federal Home Loan Bank grants, and nationwide nonprofits, as listed as of 2026-08-11. These stack with most state and local assistance.

Federal programs

• USDA Rural Development 502 Guaranteed
  100% Financing Government Guarantee · Up to 100% · USDA Rural Housing Service
• FHA 203(b) Standard Loan
  Loan program (3.5% min down) · Up to 96.5% · HUD / FHA
• FHA 203(k) Renovation
  Loan program (purchase + renovation in one loan) · Up to 96.5% · HUD / FHA
• VA Home Loan
  Loan program (0% down) · Up to 100% · VA
• VA NADL (Native American Direct Loan)
  Direct loan from VA (0% down) · Up to 100% · VA
• USDA Section 502 Guaranteed
  Loan program (0% down, guaranteed) · Up to 100% · USDA Rural Development
• USDA Section 502 Direct
  Direct loan from USDA (0% down, payment-subsidized) · Up to 100% · USDA Rural Development
• HUD Section 184 Indian Home Loan
  Loan program (1.25-2.25% down) · Up to 98.75% · HUD ONAP
• HUD Good Neighbor Next Door
  50% off list price (silent second forgiven over 3 yrs) · Amount varies by program · HUD
• Fannie Mae HomeReady
  Conv 97% LTV with reduced MI · Up to 97% · Fannie Mae
• Fannie Mae Standard 97% LTV
  Conv 97% LTV (no income limit) · Up to 97% · Fannie Mae
• Fannie Mae HFA Preferred
  Conv 97% LTV (HFA-only product, deeply discounted MI) · Up to 97% · Fannie Mae
• Freddie Mac Home Possible
  Conv 97% LTV with reduced MI · Up to 97% · Freddie Mac
• Freddie Mac HFA Advantage
  Conv 97% LTV (HFA-only, charter MI) · Up to 97% · Freddie Mac
• FHLBank Atlanta AHP First-Time Homebuyer Product
  grant · Up to $17,500 · Federal Home Loan Bank of Atlanta
• FHLBank Atlanta Community Partners Product
  grant · Up to $20,000 · Federal Home Loan Bank of Atlanta
• FHLBank Atlanta Workforce Housing Plus+
  grant · Up to $12,500 · Federal Home Loan Bank of Atlanta
• FHLB Cincinnati Welcome Home Program (WHP)
  grant · Up to $20,000 · Federal Home Loan Bank of Cincinnati
• FHLB Dallas Homebuyer Equity Leverage Partnership (HELP)
  grant · Up to $25,000 · Federal Home Loan Bank of Dallas
• USDA Section 502 Direct Loan
  below_market_rate · Up to 100% · USDA Rural Development
• USDA Section 502 Guaranteed Loan
  below_market_rate · Up to 100% · USDA Rural Development
• USDA Single Family Housing Direct Loan (Section 502 Direct)
  below_market_rate · Up to 100% · USDA Rural Development
• USDA Single Family Housing Guaranteed Loan (Section 502 Guaranteed)
  below_market_rate · Up to 100% · USDA Rural Development

Regional and national programs

• FHLB San Francisco WISH
  4:1 matching grant · Up to $32,837 · FHLB SF
• FHLB SF Middle-Income DPA (MIDA)
  Grant for middle-income buyers · Up to $50,000 · FHLB SF
• FHLB Chicago Downpayment Plus (DPP)
  Forgivable grant · Up to $10,000 · FHLB Chicago
• FHLB Cincinnati Welcome Home
  Grant · Up to $20,000 · FHLB Cincinnati
• FHLB Atlanta First-Time Homebuyer
  Grant · Up to $15,000 · FHLB Atlanta
• FHLB Dallas HELP
  Grant · Up to $10,000 · FHLB Dallas
• FHLB Pittsburgh First Front Door
  3:1 matching grant · Up to $15,000 · FHLB Pittsburgh
• Bank of America Down Payment Grant Program
  grant · Up to $10,000 or Up to 3% · Bank of America
• Bank of America America's Home Grant
  grant · Up to $7,500 · Bank of America
• Chase Homebuyer Grant
  grant · Up to $7,500 · JPMorgan Chase Bank
• Wells Fargo Dream. Plan. Home. Closing Cost Credit + Homebuyer Access Grant
  grant · Up to $15,000 · Wells Fargo
• NACA Program (multi-state)
  below_market_rate · Amount varies by program · Neighborhood Assistance Corporation of America (NACA)
• FHLB Boston Equity Builder Program (EBP)
  grant · Up to $32,099 · Federal Home Loan Bank of Boston
• FHLB Boston Housing Our Workforce (HOW)
  grant · Up to $20,000 · Federal Home Loan Bank of Boston
• FHLB Boston Lift Up
  grant · Up to $50,000 · Federal Home Loan Bank of Boston