Hey guys! Here's a table of most of the local down payment assistance programs in all 50 states.

It took weeks for me to map out and make sure all of the links were working or corrected. I also added anything I missed on the previous 2025 guide.

Quick recap: These local programs will either be grants or loans.

If it's a loan, it will either be amortized and charge interest (require gradual repayment), or deferred (0% interest, not due until you sell it or refinance, or if it ceases to be your primary residence), or a forgivable loan (usually forgiven if you stay in the home for a certain length of time).

AL HI MA NM SD
AK ID MI NY TN
AZ IL MN NC TX
AR IN MS ND UT
CA IA MO OH VT
CO KS MT OK VA
CT KY NE OR WA
DE LA NV PA WV
FL ME NH RI WI
GA MD NJ SC WY

Good luck!

Sam

Originally shared by u/SamTMortgageBroker in r/NewbHomebuyer — view the original thread.