State-by-state down payment assistance programs across the United States. Find DPA in your state.
Written by Renzo Johnson, Licensed MLO · NMLS #PENDING · Last updated: February 2026
- Every state has a Housing Finance Authority (HFA) that offers DPA programs
- Common DPA types: grants, forgivable loans, deferred loans, low-interest seconds
- Most programs require first-time buyer status (3-year rule)
- Income limits apply (typically 80-120% of area median income)
- Must use an HFA-approved lender
- Florida residents: see our Florida DPA Guide for complete details
- National programs: Good Neighbor Next Door, Chenoa Fund, NACA
- Check your state’s HFA website for current program availability