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Most first-time buyers have no idea this exists.
Most first-time homebuyers never find out about down-payment assistance. 37% of buyers in a recent NAR survey said they had no idea these programs existed when they started house-hunting. That''s not a coincidence — nobody has an incentive to tell you.
The average grant is around $17,000. In some markets — Boston, the Bay Area, parts of Minneapolis — it can be over $100,000. Over 1,100 programs run simultaneously across US states and cities.
To find your matches, we need three quick things:
1. Your state (some programs are statewide, some are city-specific). 2. Your household income bracket (most programs are income-capped, and most buyers qualify). 3. Whether you''ve owned a home in the last three years (most "first-time" programs are actually "haven''t-owned-recently" programs).
A word on grants vs. forgivable loans. Many "grants" are technically second mortgages that are forgiven after you live in the house for 5-10 years. If you leave earlier, you repay some of it. We''ll tell you which is which for every match — this is where most buyers get surprised.
Once we have your three inputs, we''ll show you every program you''re eligible for in your area, ranked by award size and deadline. You pick the three you want to track and we handle the deadlines and paperwork reminders.
You won''t owe anyone a finder''s fee. Any program that tries to charge an application fee is flagged as a scam by our system.