Guide to your states down payment assistance programs (3)

Providing home loan mortgage financing in Lake, Geauga, Mahoning, Columbiana, Erie, Sandusky, Seneca, Wyandot, Putnam, Hancock, Ottowa, Fulton, Williams, Henry, Defiance, and many more Ohio counties.

State Down Payment Assistance Programs

Here is a guide to your states down payment assistance programs. Please take a look and contact the appropriate number to see if they can help you. Please call me at 888-418-4467 or email me at dave@gofirstsecurity.com if you have any questions. Click the following link to see more states if your state is not listed here: http://www.gofirstsecurity.com/Purchase/sitemap.htm. After clicking the link, find the link: Guide to your states down payment assistance programs, Parts (1), (2), or (3) and find your appropriate state there. You can also click on links directly below to find your state as well.

***If you do not see your state listed above please click either of these two links directly below for more state down assistance programs:

State Down Payment Assistance Programs Page 1

State Down Payment Assistance Programs Page 2

California Down Payment Assistance Programs - California Down Payment Assistance Programs

Alameda Down Payment Assistance Program (DAP)
$10,000 (510) 749-5824
Anaheim Home Program (HOME)
$35,000 (714) 765-4340
Anaheim Police Residence Assistance Program (PRAP)
$20,000 (714) 765-4340
Anaheim Second Mortgage Assistance Program (SMAP)
$25,000 (714) 765-4340
Brentwood Police Officer Recruitment Incentive Program (BPOAP)
$28,500 (925) 516-5195
California Gold Taxable MRB Second Mortgage Loan Program (SML)
$25,000 (916) 444-2615
California School Facility Fee Down Payment Assistance Program (DPA)
$25,000 (916) 322-1353
Campbell Deferred Second Loan Program (DSLP)
$50,000 (40 299-5142
Chico Mortgage Subsidy Program (MSP)
$20,000 (916) 895-4862
Citrus Heights First Time Home Buyer Program (FTHB)
$20,000
Coalinga Down Payment Assistance Program (DAP)
$6,400 (559) 935-1533
Concord First Time Homebuyer Program (FTHB)
$25,000 (925) 671-3325
Costa Mesa Homebuyer Assistance Program (HAP)
$40,000 (714) 754-5692
Culver City Mortgage Assistance Program (MAP)
$60,000 (310) 253-5780
Del Norte/Humboldt Yurok Indian Housing Authority Down Payment Assistance Gift
$40,000 (707) 482-1506
Dinuba Homebuyer Assistance Program (HAP)
$20,000 (559) 591-5900
Dixon Down Payment Assistance Program (DPA)
$40,000 (707) 678-7000
El Cajon 120% First Time Homebuyer Program (FTHB)
$60,000 (619) 441-1768
El Cajon 80% First Time Homebuyers Program (FTHB)
$60,000 (619) 441-1768
El Monte Down Payment Assistance Program (DPAP)
Max 22% (626) 580-2070
Emeryville First Time Homebuyer Program (FTHP) Moderate Income
$71,025 (510) 596-4316
Fairfield City-Wide In-fill Housing Silent Loan Program (FSLP-2nd)
$50,000 (707) 428-7457
Fairfield City-Wide In-Fill Housing Silent Loan Program (FSLP-3rd)
$50,000 (707) 428-7457
Fremont Adams Ave Home Project Second Mortgage (SM)
$207,926 (510) 494-4520
Fremont First Time Homebuyer Programs (FTHB)
$40,000 (510) 494-4506
Fresno CalHome Mortgage Assistance Program (MAP)
$30,000 (559) 262-4292
Fresno County Down Payment Assistance Program (DAP)
$4,000 (559) 262-4292
Fresno County- Economic Opportunities Commission (FCEOC) Refugee Individual Development Account (IDA)
$6,000 (559) 263-1065
Fresno Down Payment Assistance Program (DAP)
$4,000 (559) 498-4815
Grand Terrace Affordable Housing Program (AHP)
$25,000 (909) 825-3825
Hanford Home Sweet Home Program (Home)
$20,000 (559) 585-2587
Hawthorne First Time Homebuyer Program (FTHP)
$80,000 (310) 970-7086
Hayward First Time Homebuyer Program (FHP)
$11,000 (510) 583-4244
Hemet First Time Homebuyer Down Payment Assistance Program (DAP)
$25,000 (909) 765-2388
Hesperia First Time Homebuyer Downpayment Assistance Program (DAP)
$20,000 (760) 947-1910
Imperial First Time Home Buyer Program (FTHB)
$20,000 (760) 355-4373
La Quinta Home Purchase Program (HPP)
$85,000 (714) 541-4585
Lincoln Homebuyer Mortgage Program
$40,000 (800) 995-0431
Livermore Down Payment Assistance (DAP) Deferred Payment Third Loan
$20,000 (925) 373-5699
Livermore Down Payment Assistance Program (DAP) Ten Year Amortization Second Loan
$20,000 (925) 373-5699
Long Beach Housing Development Company Downpayment Assistance Program (DAP)
$10,000 (562) 570-6949
Los Angeles County Home Ownership Program (HOP)
$60,000 (213) 890-7248
Los Angeles County Montebello Housing Development Corporation Calhome FTHB Mortgage Assistance Program (MAP)
$30,000 (323) 722-3955
Madera County Homebuyer Assistance Program (HAP)
$20,000 (559) 675-7821
Manteca City Manteca First Time Home Buyer Assistance Program (DAP)
$30,000 (209) 239-8427
Mendocino County Down Payment Assistance Program (DPAP)
$70,000 (707) 463-5462
Mendocino County Individual Development Empowerment Account Program (IDEA)
$10,000 (707) 462-0522
Mendota First Time Homebuyers Program (FTHP)
$25,000 (559) 655-3291
Merced County First Time Homebuyer Program (FTHP)
$60,000. (209) 385-7654
Merced First Time First Time Home Buyer Grants Program (FTHB)
$25,000 (209) 385-6863
Modesto Down Payment Assistance Program (DPAP) $60,000 (209) 577-5310
Monterey County First Time Home Buyers Program (FTHB)
$135,235 (831) 786-1357
Monterey Down Payment Assistance Program (DAP)
$25,000 (831) 646-3728
Multi Counties First Time Homebuyer Program (FTHB)
$50,000 (209) 533-5511
Multi Counties Tuolumne/Calaveras County FHLB Affordable Housing Program Third Lien (AHP)
$8,000 (209) 946-5104
Napa First Time Homebuyer Loan Program (FTHB)
$69,350 (707) 257-9543
National City First-Time Homebuyer Program (FTHP)
$17,000 (619) 336-4250
Nevada County Down Payment Assistance Program (DAP)
$40,000 (530) 265-1388
Norco First Time Homebuyer Program (FTHB)
$22,500 (909) 270-5645
Oakland "Public Safety Officer/Teacher/Communications Dispatcher Down Payment Assistance Program" (DAP)
$10,000 (510) 238-3909
Oakland Mortgage Assistance Program (MAP)
$50,000 (510) 238-3344
Oroville First Time Homebuyer Program (FTHB)
$50,000 (530) 538-2495
Oroville First Time Homebuyer Program (FTHB)
$40,000 (530) 538-2495
Oxnard Historical Enhancement & Revitalization of Oxnard (HERO)
$5,000 (805) 385-7400
Oxnard Resale Housing Conditional Matching Grant Program (GRANT)
$10,000 (805) 385-7400
Palmdale Mortgage Assistance Program (MAP)
$10,000 (661) 267-5126
Pasadena Homeownership Opportunities Program (HOP)
$60,000 (626) 744-8316
Pasadena Neighborhood Housing Services Inc CalHome First Time Homebuyer Program (FTHP)
$30,000 (626) 744-4141
Paso Robles CalHome Program (CalHome)
$90,000 (805) 237-3970
Placer County First Time Homebuyer Assistance Program (FTHB)
$35,000 (530) 889-4246
Pomona Calhome First Time Home Buyer Program (FTHB)
$30,000 (909) 620-3630
Porterville First Time Low Income Home Buyer Program (FTHB)
$20,000 (559) 782-7460
Rancho Cucamonga First Time Homebuyer Program
$16,000 (909) 884-6891
Redding Downpayment Assistance Program (DAP)
$35,000 (530) 225-4173
Redlands First Time Homebuyer Program (FTHB)
$15,000 (909) 884-6891
Richmond In-Fill Homeowner Assistance Program (INFILL)
40,000 (510) 307-8151
Rio Vista First Time Home Buyer Program (FTHB)
$5,000 (707) 374-6451
Ripon Gap Down Payment Assistance Program (GAP)
$60,000 (209) 599-2108
Riverside CalHome Mortgage Assistance Program (MAP)
$30,000 (909) 341-6511
Riverside County Individual Development Account (IDA)
$4,000 (909) 955-4900
Rocklin First Time Homebuyers Down Payment Assistance Program (FTHB)
$35,000 (800) 995-0431
Roseville First Time Homebuyer Program (FTHP)
$60,000 (916) 774-5446
Round Valley Indian Housing Homebuyer Assistance Program (HAP)
$25,000 (707) 983-6188
Sacramento CalHome First Time Homebuyer Mortgage Assistance Program (MAP)
$29,350 (916) 264-1522
Sacramento County and City First Time Home Buyer Program (FTHP)
$5,000 (916) 264-1524
Sacramento County and City Homebuyers Assistance Program (HAP)
$2,500 (916) 264-1524
Sacramento County MCC Expanded Teacher Home Purchase First Time Homebuyer Program (FTHB)
$5,000 (916) 264-1524
Sacramento County MCC Expanded Teacher Home Purchase Homebuyer Assistance Program (HAP)
$2,500 (916) 264-1524
Sacramento Mortgage Assistance Program (MAP)
$20,000 (916) 264-1522
Salinas First Time Homebuyer Down Payment Assistance Program
$40,000 (40 758-7334
San Diego County San Diego Neighborhood Housing Services CalHome Program (CalHome)
$40,000 (619) 282-6647
San Diego Down Payment Assistance Grant (DPAG) Program
$7,500 (619) 578-7491
San Diego Neighborhood Housing Services Cost Assistance Support for Homebuyers Program (CASH)
$10,000 (619) 282-6647
San Fernando First Time Homebuyer Program (FTHP)
$45,000 (81 898-1233
San Francisco First Time Homebuyer Program (FTHB)
$100,000 (415) 252-3177
San Joaquin County GAP Loan Program (GAP)
Max 20% (209) 468-3157
San Jose Neighborhood Housing Services of Silicon Valley, "The Vernal Fund" Mortgage Assistance Program (MAP)
$80,000 (40 272-2878
San Jose Teachers Homebuyer Program (THP)
$40,000 (40 277-8486
San Leandro First Time Homebuyer Program (FTHB)
$20,000 (510) 577-6002
San Marcos Down Payment Assistance Loan Program (DPAL)
$10,000 (760) 744-1050
San Mateo County Start Program 2nd Lien
$65,000 (650) 802-5033
San Mateo County StartPLUS 3rd Lien
$5,000 (650) 802-5033
San Mateo Countywide Home Investment Partnership Program (CHIP)
$60,000 (650) 522-7223
San Mateo First Time Home Buyer Program (FTHB)
$60,000 (650) 522-7220
Sanger First Time Homebuyers Program (FTHP)
$2,700 (559) 876-6329
Santa Clara County Deferred Closing Cost Program (DCCP)
$6,500 (40 299-5142
Santa Clara County Second Loan Program for Teachers (SLPT)
$10,000 (40 441-4260
Santa Cruz County First Time Home Buyer Program (FTHB)
$25,000 (40 454-2280
Seaside First Time Home Buyer Program
$30,000 (831) 899-6728
Shasta County Down Payment Assistance Program (DAP)
$30,000 (530) 245-6431
Simi Valley Closing Cost Grant Assistance (GRANT)
$3,000 (805) 583-6853
Simi Valley First Time Homebuyer Assistance Program (FTHB)
$40,000 (805) 583-6853
Sonoma County Employee Second Mortgage Program (ESMP)
$15,000 (707) 565-7500
South Lake Tahoe First Time Homebuyer Assistance Program (FTHB)
$60,000 (530) 542-6157
Stanislaus County Down Payment Assistance Program (DPA)
$50,000 (209) 525-6330
Stanislaus County Public Facilities Fee Deferral Program (PFF)
$25,000 (209) 523-6330
Tulare County First Time Homebuyer Program
$20,000 (559) 733-6291
Turlock First Time Home Buyers Program (FTHB)
$40,000 (209) 668-5560
Ukiah Down Payment Assistance Program (DAP)
$70,000 (707) 463-5462
Upland Primary Assistance Loan Program (PAL)
$30,000 (909) 931-4113
Vacaville Down Payment Assistance Loan Program (DPAL)
$10,000 (707) 449-5687
Ventura First Time Home Buyer Grants Program (HBAP)
$45,000 (805) 654-0038
Victorville Mortgage Assistance Program (MAP)
$5,000 (760) 955-5032
Visalia Homebuyer Assistance Program (HAP)
$20,000 (559) 738-3460
Waterford First Time Home Buyer Assistance Program (DAP)
$20,000 (916) 725-1181
Watsonville Downpayment Assistance Program (DAP)
$30,000 (831) 728-6014
Watsonville First Time HomeBuyer Program (FTHP)
$90,000 (831) 728-6014
Woodlake First Time Home Buyer Grants Program (HAP)
$20,000 (209) 564-8055
Yuba City First Time Homebuyer Assistance Program (FTHB)
$50,000 (530) 822-4697

Colorado Down Payment Assistance Programs - Colorado Down Payment Assistance Programs

Arapahoe County Home Ownership Program (HOP)
$20,000 (303) 738-8065
Aurora Home Ownership Assistance Program (HOAP)
$10,000 (303) 360-0053
Colorado Housing Assistance Corporation Creating Affordability Now 65% to 80% AMI Down Payment Program (CAN)
$5,000 (303) 572-9445
Colorado Housing Assistance Corporation Creating Affordability Now Below 65% AMI Down Payment Program (CAN)
$5,000 (303) 572-9445
Colorado Housing Assistance Corporation Downpayment Assistance Disability Program (DAP)
$6,000 (303) 572-9445
Colorado Housing Assistance Corporation Federal Home Loan Bank Program (FHLB)
$3,500 (303) 572-9445
Colorado Housing Assistance Corporation Mortgage Assistance Program (MAP)
$5,000 (303) 572-9445
Colorado Springs Affordable Homeownership Program (AHP)
$10,000 (719) 387-6714
Del Norte Neighborhood Development Corporation Savings Plus Individual Development Account Collaborative (IDA)
$10,000 (303) 477-4774
Denver City and County - Newsed Community Development Corporation Barrio Aztlan Homeownership Program (HAP)
$10,000 (303) 534-8342
Denver County Colorado Housing Assistance Corporation (CHAC) Barrio Azatlan Home Ownership Program (BAHOP)
$10,000 (303) 572-9445
Denver Del Norte Neighborhood Development Corporation Barrio Aztlan Home Ownership Program (HOP)
$10,000 (303) 477-4774
Eagle County Downpayment Assistance Program (DAP) 5 Year Deferral
$10,000 (970) 328-8771
Eagle County Downpayment Assistance Program (DAP) Monthly Interest Payback
$10,000 (970) 328-8771
Eagle County Downpayment Assistance Program (DAP) Property Appreciation
$10,000 (970) 328-8771
Fort Collins First Time Home Buyer Grants Program
$9,000 (970) 221-6595
Glenwood Springs Board of Realtors Affordable Housing Fund (AHF)
$2,000 (970) 945-9762
Jefferson County Stride Home Ownership Program (HOP)
$5,000 (303) 275-3450
Larimer County Home Ownership Program (LHOP)
$7,900 (970) 667-3232
Longmont/Boulder County Down Payment Assistance Program (DPA)
$9,000 (303) 441-3987
Multi Counties West Central Housing Development Organization Regional Ownership Assistance Down Payment Program (ROAD)
$11,800 (970) 874-8204
Multi-Counties Del Norte Neighborhood Development Corporation Savings Plus Individual Development Account (IDA)
$3,000 (303) 477-4774
Northeast Colorado Housing Inc. Homeownership Down Payment Assistance Program
$5,000 (970) 542-0955
Pueblo County HOME Downpayment Assistance Program (HDAP)
$25,000 (719) 584-0817
Pueblo Neighborhood Housing Services Repayable 2nd Mortgage Program (SMP)
5,000. (719) 544-8078
San Miguel County- San Miguel Regional Housing Authority Down Payment & Closing Cost Assistance Program (DPCC)
$10,000 (970) 728-3034
Summit County - Town of Dillon Employer Assisted Housing Program (EAHP)
$10,000 (970) 468-2403
Summit County Down Payment Assistance Program (DPA)
$11,772 (970) 453-3557
Summit County Employee Housing Assistance Program (EHAP)
$10,000 (970) 453-3404
Summit County Summit Housing Authority Downpayment Assistance Program
$3,000 (970) 453-3557
Weld County, High Plains Housing Development Corporation Downpayment / Closing Cost Assistance Program (DAP)
$4,000 (970) 352-1551

Delaware Down Payment Assistance Programs - Delaware Down Payment Assistance Programs

Delaware First State Community Loan Fund Delawareans Save IDA Program (IDA)
$1,500 (302) 652-6774
Dover First Start Home Ownership Down Payment and Settlement Assistance Program
$10,000 (302) 736-7175
New Castle County Down Payment Settlement Program (DPS)
$4,000 (302) 395-5602

Idaho Down Payment Assistance Programs - Idaho Down Payment Assistance Programs

Boise/Ada County Assisted Home Ownership Program (AHOP) (Hobbler Place Subdivision)
$25,000 (208) 345-4907
Idaho Neighborhood Housing Service of Boise Community Development Financial Institution (CDFI)
$25,000 (208) 343-4065
Idaho Neighborhood Housing Services of Boise, NRC Pilot Grant
$2,500 (208) 343-4065
Multi-Cities Mountain States Group Inc Individual Development Account (IDA)
$4,000
Pocatello Neighborhood Housing Services Home Ownership Program (HOP)
$25,000 (208) 232-9468

Indiana Down Payment Assistance Programs - Indiana Down Payment Assistance Programs

Decatur County First Time Homebuyer Downpayment Assistance Program
$10,000 (812) 689-5505
Gary First Time Homebuyer Downpayment Assistance Program (FTHP)
$9,000 (219) 881-5075
Lake County Homebuyers Assistance Program (HAP)
$5,000 (219) 755-3226
Marion County, Indianapolis Neighborhood Housing Partnership (INHP) Good Neighbor II (2nd mortgage) Program
$33,000 (317) 610-4634
Marion County, Indianapolis Neighborhood Housing Partnership (INHP) Good Neighbor II (3rd mortgage) Program
$5,000 (317) 610-4634
Multi Counties Housing Opportunities Inc Down Payment Assistance Program (DPAP)
$3,500 (219) 462-3729
Multi Counties Southeastern Indiana Community Preservation and Development Corporation Regional 1st Time Homebuyer Program Downpayment Assistance (DA)
$7,000 (812) 689-5505

Elhart Housing Partnership in Elkhart Indiana has a homebuyers education course (the same that is required for some conventional loan progrmas) and also assists buyers with down payment assistance.

Down Payment assistance programs may or may not be needed. There are still a variety of mortgage loan programs available that do not require down payment money and that can allow a buyer with minor credit blemishes to buy without a down payment as well. Therefore, even if down payment assistance is not available for your you, don't worry because there may still be a mortgage that you can qualify for out there.

New York Down Payment Assistance Programs - New York Down Payment Assistance Programs

Albany Home Acquisition Program (HAP)
$15,000 (518) 434-5273
Binghamton First Ward Action Council Affordable HOME Program (AHP)
$10,000 (607) 231-2850
Buffalo HomeFront Inc Down Payment & Closing Cost Assistance Program (DPCC)
$5,000 (716) 856-2952
Chautauqua County Federal Home Loan Bank of New York Affordable Housing Program (AHP)
$25,000 (716) 841-1603
Chemung, Schuyler & Steuben Counties - Tri County Housing Council HOME Program
$12,100 (607) 562-2477
Glens Falls First Time Homebuyer Program (FTHB)
$25,000 (518) 761-3833
Hamburg Hometown Housing Program Existing Home
$10,000 (716) 648-6216
Multi Counties Bishop Sheen Ecumenical Housing Foundation Inc First Time Homebuyer HOME Program (FTHHP)
$12,480 (716) 461-4263
Multi Townships M-ARK Project Inc First Time Homebuyers Program (FTHB)
$15,000 (845) 586-3500
New York Bishop Sheen Ecumenical Housing Foundation Home Ownership Loan Program
$3,000 (716) 461-4263
Rochester Home Expo Program (HOME)
$22,500 (716) 325-4663
Rochester Home Purchase Assistance Program (HPAP)
$5,000 (716) 325-4663
Rochester, HOME Rochester (HR)
$25,000 (716) 325-4663
Suffolk County First Time Home Buyers Down Payment Assistance Program (DPAP)
$10,000 (516) 853-5705
Syracuse University Neighborhood Preservation Association Mortgage Assistance Program (MAP)
$3,000 (315) 476-5228
Ulster County Rural Ulster Preservation Company Direct Homeownership Assistance Program (DHAP)
$15,000 (845) 331-2140
Yates County Keuka Housing Council Inc Home Ownership Program (HOP)
$12,000 (315) 536-8707
Yates County New Construction Program (NCP)
$25,000 (315) 536-8707

These type of programs are in place for first time home buyers who need assistance with down payment and/or closing costs. These programs also help the economy by allowing more homes to be sold because more buyers are now available to purcahse homes.

Most programs administrators place a lien on the home whose owner received downpayment assistance. The amount of the lien is reduced every year and eventually eliminated after a certain number of years. If a home onwer sells his property or refinance to cash out equity while there is still a lien on the property, he will need to return part of the assistance. Such measure is in place to prevent assistance recipients taking advantage of the assistance programs by "flipping", or quickly buy and sell, properties.

There are certain areas in NY where lenders are able to offer better interest rates and programs than those available everywhere else.
There are many government or other agency sponsored mortgage programs specifically targeted to, and only available in these areas.
Contact David J Zwierecki at 888-418-4467 or dave@gofirstsecurity.com to see if you qualify for any of these great programs.

In New York City there is the "HomeFirst Down Payment Assistance Program". It gives qualified buyers up to 6% of a home's purchase price toward the down payment or closing costs. This can be on a 1-4 family home, a condominium, or a cooperative in one of the 5 boroughs of New York City.

Bronx
NHS of the North Bronx
1178 East Gun Hill Road
Bronx, NY 10469
Tel: (718) 881-1180 x202
Languages: English and Spanish

NHS of the South Bronx
Concourse Plaza
200 East 161st Street
Bronx, NY 10451
Tel: (718) 992-5979
Languages: English and Spanish

Brooklyn
ACORN Housing Corporation
2-4 Nevins Street, 2nd Floor
Brooklyn, NY 11217
Tel: (718) 246-8080
Languages: English and Spanish

Cypress Hills Local Development Corporation
3214 Fulton Street
Brooklyn, NY 11208
Tel: (718) 647-8100
Languages: English and Spanish

NHS of Bedford Stuyvesant
1012 Gates Avenue
Brooklyn, NY 11221
Tel: (718) 919-2100
Languages: English and Spanish

NHS of East Flatbush
2806 Church Ave
Brooklyn, NY 11226
Tel: (718) 469-4679
Languages: English

Pratt Area Community Council
201 DeKalb Avenue
Brooklyn, NY 11205
Tel: (718) 522-2613
Languages: English

Neighbors Helping Neighbors
443 39th Street, Suite 202
Brooklyn, NY 11232
Tel: (718) 686-7946 x17
Languages: English and Spanish

Manhattan
Abyssinian Development Corporation
4 West 125th Street
New York, NY 10027
Tel: (212) 368-4471
Languages: English

Asian Americans For Equality
111 Division Street
New York, NY 10002
Tel: (212) 964-2288
Languages: Mandarin, Cantonese, Korean

Queens
NHS of Jamaica
89-70 162nd Street
Jamaica, NY 11432
Tel: (718) 291-7400 x13
Languages: English

NHS of Northern Queens
60-20 Woodside Avenue
2nd Floor
Woodside, NY 11377
Tel: (718) 457-1017
Languages: English and Spanish

Staten Island
NHS of Staten Island
West Brighton
1205 Castleton Avenue
Staten Island, NY 10310
Tel: (718) 442-8080
Languages: English and Spanish

Northfield Community Local Development Corporation
160 Heberton Avenue
Staten Island, NY 10302
(718) 442-7351
Languages: English

There has been a recent market tightening due to the outrageously high number of foreclosures throughout the nation. Many lenders have shut their doors and others are not doing certain types of mortgage loans any further. Investors have stopped buying as many mortgage loans, especially the more risky loans and this has created a huge commotion with the stock market and the mortgage market. Therefore, you can still buy a home with no money down at this time, but it is becoming increasingly difficult to do. Check with your mortgage lender, loan officer or mortgage lender to find out more information about whether you qualify for a mortgage loan with no down payment required.

Oregon Down Payment Assistance Programs - Oregon Down Payment Assistance

Clackamas County Homeowner Assistance Program (CHAP)
$10,000 (503) 655-8591
Corvallis First Time Home Buyer Program (FTHP)
$6,000 (541) 766-6944
Eugene Homebuyer Assistance Program (HAP)
$4,000 (541) 682-5529
Portland Housing Center Closing Cost Assistance (CAP)
$10,000 (503) 282-7744
Portland Housing Center Mortgage Assistance Program 20 Targeted (MAP 20T) and City Wide (MAP 20C)
$50,000 (503) 282-7744
Portland Shared Appreciation Mortgage Program (SAM)
$30,000 (503) 823-3401
Salem Deferred Payment Loan (DPL)
$10,000 (503) 588-6173
Springfield Home Ownership Program (SHOP)
$4,000 (541) 726-3799
__________________

In addition to the government sponsored down payment assistance programs, there are many non-profit organizations that will grant you your down payment. You should ask your mortgage broker what program is right for you.

Pennsylvania Down Payment Assistance Programs - Pennsylvania Down Payment Assistance

Bucks County First Time Homebuyer Program (FTHB)
$10,000 (215) 598-3566
Carbondale First Time Homebuyer Assistance Program
$5,000 (570) 282-0280
Chester Economic Development Authority Moderate Income Homebuyer Assistance Program (MIHAP)
$5,000 (610) 447-7850
Chester Homebuyer Assistance Program (HAP)
$10,000 (610) 447-7850
Dauphin County First Time Home Buyers Program (FTHB)
$3,500 (717) 780-6250
Jeannette Downpayment and Closing Cost Assistance Program (DAP)
$3,000 (724) 527-4000
Luzerne County The Growing Homeowners Initiative Program (GHI)
3750.00 (570) 824-4803
Pennsylvania Trehab Center Inc Homeownership Program (HP)
$14,999 (570) 278-5238
Philadelphia Neighborhood Housing Services, Inc. Settlement Cost Assistance GRANT
$1,000 (215) 829-9899
Philadelphia Settlement Grant Program
$1,000 (215) 686-9706
Schuylkill County Schuylkill Community Action Closing Cost Assistance Program (CCAP)
$1,000 (570) 622-1995
Scranton Homebuyers Assistance Program (HAP)
$10,000 (570) 348-4168
York 3/2 Low, Moderate & Unlimited Income Mortgage Assistance Program (MAP)
$25,000 (717) 854-1541
York County 3/2 Low Income Program (LIP)
$5,000 (717) 854-1541

Each program has individual guidelines for borrowers to qualify for the assistance. There are many programs available for 100% financing and 103% financing that can help borrowers who don't qualify for the Down Payment Assistance programs.

Utah Down Payment Assistance Programs - Utah Down Payment Assistance

Logan Neighborhood Non-Profit Welcome Home Own in Logan Program (DPA)
$5,000
Multi Counties Bear River Association of Governments First Time Homebuyer Program (FTHB)
$1,600 (435) 752-7242
Multi Counties Housing Services of Utah Valley Loan to Own Program (LTO)
$7,000 (801) 852-6164
Ogden Lincoln Court Townhomes Downpayment Assistance Program (DAP)
$4,249 (801) 629-8942
Ogden Own-in-Ogden Program
$10,000 (801) 629-8942
Ogden Urban Homestead Program (UHP)
$50,000 (801) 629-8942
Provo 80/20 Down Payment and Closing Cost Assistance Program (DPA)
$24,000 (801) 852-6160
Provo Down Payment and Closing Cost Assistance Program (DPCCA)
$7,000 (801) 852-6160
Provo Neighborhood Housing Services, Inc. Down Payment and Closing Cost Assistance Program (DPCCP)
$10,000 (801) 375-5820
Salt Lake Community Development Corporation of Utah Own in Salt Lake Downpayment Assistance Program (DAP)
$2,500 (801) 994-7222
Salt Lake Neighborhood Housing Services Inc A Home to Own Program (DAP)
$2,000 (801) 539-1590
Tooele County Down Payment Assistance Program (DAP)
$2,000 (435) 882-7875
West Jordan Down Payment Assistance Program (DPA)
$5,000 (801) 569-5060
West Valley City Home Ownership Program (HOP)
$5,000 (801) 963-3280

Wisconsin Down Payment Assistance Programs - Wisconsin Down Payment Assistance Programs

Beaver Dam MSA Professional Services Housing Rehabilitation Program (HRP)
$2,500 (920) 887-4600
Clark County Down Payment and Closing Cost Loan (DPCC)
$25,000 (715) 267-7356
Dodge County MSA Professional Services Home Purchaser Program (HPP)
$15,000 (800) 552-6330
Douglas County Home Ownership Opportunity Program (HOOP)
$3,200 (715) 395-7335
Eau Claire Down Payment Closing Cost Assistance Program (DCCAP)
$2,500 (715) 839-4943
Green Bay NHS Inc Down Payment Assistance/Closing Cost Assistance Program
$5,000 (920) 448-3075
Green County MSA Professional Services Home Purchaser Program (HPP)
$25,000 (800) 552-6330
Janesville Down Payment & Closing Cost Assistance Program (DCCAP)
$3,500 (60 755-3067
Manitowoc County Hmong Mutual Assistance Association Housing Cost Reduction Initiative Program (HCRI)
$2,500 (920) 458-0808
Milwaukee County Suburban First Time Homebuyers Program (FTHP)
$5,000 (414) 278-4877
Milwaukee Neighborhood Housing Services, Inc Homeownership Consortium Reduction Initiative (HCRI)
$2,500 (414) 383-2272
Northwest Wisconsin Home Purchase Program (HPP)
$25,000 (715) 635-2197
Racine Homebuyer Down Payment Assistance Program (HDAP)
$7,455 (262) 636-9151
Rock County Home Purchase Assistance (HPA)
$45,000 (60 757-5587
Rusk County Homestead Opportunity Program
$25,000 (715) 532-9075
Sheboygan County Hmong Mutual Assistance Association Housing Cost Reduction Initiative Program (HCRI)
$3,500 (920) 458-0808
Sheboygan Down Payment Assistance Program (DAP)
$3,500 (920) 458-0808
Waukesha County HBC Services Inc Grant Program (GRANT)
$1,500 (262) 650-3627
Wausau House Cost Initiative Program
$3,500 (715) 261-6682
West Allis Homebuyers Loan Program
$4,000 (414) 302-8430
Wisconsin Ho-Chunk Housing Authority Down Payment Assistance Grant Program (GRANT)
$5,000 (800) 236-2260

Be sure and ask your mortgage broker if the down payment assistance program requires the assistance amount to be paid back or if it is forgiven after a period of time.

Know that not all lenders will work with down payment assistance programs. If you choose to use such a program, your mortgage choices will become more limited.

To qualify for these programs you will have to meet certain financial and housing guidelines. Not all borrowers will qualify for down payment assistance programs.

There are many ways to secure 100% financing and securing a mortgage without a down payment assistance program. 100% financing will require less paperwork and eliminate potential complications between the lender and the down-payment program.

Also there are new down-payment programs coming out all the time, so be sure to check what is available to you, in the area you are looking to purchase.

Each down payment assistance program will have its own specific guidelines. Not all borrowers will qualify for the assistance. There are other options such as 100% or 103% financing that can help borrowers who do not have the assets for a down payment and/or closing costs.

Some assistance programs require repayment, others do not.

In addition to the government sponsored down payment assistance programs, there are many non-profit organizations such as AmeriDream, that will grant you your down payment. You should ask your mortgage broker what program is right for you.

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