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Housing Grants

House 1

Alabama

  • Step-Up Program– The Alabama Housing Finance Authority (AHFA) aims to make the mortgage process more affordable for eligible applicants who are interested in purchasing a home but need financial help to do so. AHFA’s Step Up Program provides applicants with funds to help pay the upfront costs associated with a mortgage transaction, such as the down payment, closing costs, and prepaid items.
    Mobile County Down Payment Assistance Program– The County government of Mobile, Alabama recognized that many potential homebuyers who can afford monthly mortgage payments often don’t have the funds required to make a down payment on a new home. The Mobile County Down Payment Assistance Program is designed to help individuals out of this renter’s trap.

Alaska

Arizona

  • HOME Down Payment Assistance Program– Family Housing Resources (FHR) of Arizona offers individuals a way of making the home buying process more affordable, via the HOME Down Payment Assistance Program. Upfront costs associated with a mortgage transaction can add up to a substantial amount, and the inability to pay it might keep people stuck in a renters’ trap. This program aims to help individuals out of it.
    HOME Plus Program– The Arizona Housing Finance Authority (AzHFA) recognizes that many first-time homebuyers need help paying the initial, upfront costs that come with a mortgage transaction. That’s why AzHFA established the HOME Plus Program, which is designed to help eligible applicants with down payment and closing cost assistance to purchase their home.


    Pathway to Purchase Down Payment Assistance– The Arizona Department of Housing (ADOH) working with the Arizona Home Foreclosure Prevention Funding Corporation (AHFPFC) has put together the Pathway to Purchase program. This program assists individuals who have suffered from foreclosures and are now buying homes within the 26 targeted zip codes in 12 Arizona Cities. 
    Pima Tucson Homebuyer’s Solution Program– In an effort to help individuals achieve their dreams of owning a home, the Pima Tucson Homebuyer’s Solution Program offers down payment assistance. This can go a long way toward helping to cover out-of-pocket expenses associated with a mortgage transaction that many first-time homebuyers could not afford otherwise.

Arkansas

  • ADFA Down Payment Assistance– In an effort to make the home buying process more affordable for individuals, the Arkansas Development Finance Authority (ADFA) offers a Down Payment Assistance (DPA) program. This program helps potential homebuyers who are able to make monthly mortgage payments but don’t have the money to pay upfront costs associated with the mortgage. 
    American Dream Downpayment Initiative– The Arkansas Development Finance Authority (ADFA) realizes that one of the major obstacles on the path to homeownership is the down payment. Though many people can afford to make monthly mortgage payments, they don’t have enough money saved to pay the upfront costs. ADFA’s American Dream Downpayment Initiative (ADDI) Program aims to help individuals overcome this obstacle.
    Jonesboro Homeownership Assistance Program.– The City of Jonesboro realized that despite being able to afford monthly payments on a mortgage, many individuals do not have the funds necessary to make hefty, out-of-pocket payments, such as the down payment. In an effort to expand homeownership opportunities to low and moderate-income citizens, the Grants and Community Development Departments offer the Homeownership Assistance Program. This program provides eligible applicants with funds to cover some or all of the down payment and closing costs associated with a mortgage transaction in order to help make the home buying process more affordable. This assistance is paid directly to the title company.
    City of Pine Bluff Down Payment Grants– In an effort to help individuals purchase a home, the Crawford-Sebastian Homeownership Center offers a variety of Down Payment and Closing Cost Assistance Programs that help potential homebuyers achieve their dreams of homeownership. All these assistance programs require that applicants occupy the purchased property as their primary residence and that they utilize an approved lender.


    Crawford-Sebastian Homeownership Center– In an effort to help individuals purchase a home, the Crawford-Sebastian Homeownership Center offers a variety of Down Payment and Closing Cost Assistance Programs that help potential homebuyers achieve their dreams of homeownership. 

California

  • MyHome Assistance Program– The MyHome Assistance Program offers applicants a deferred-payment junior loan up to 3% of the purchase price/appraised value of the mortgaged property in order to help make the down payment or pay the closing costs.


    Brentwood Down Payment Assistance Program– The City of Brentwood recognized that many potential homebuyers who can afford monthly mortgage payments don’t have the funds saved up to pay the hefty, upfront costs associated with a home loan. To help overcome this hurdle, the City offers first-time homebuyers the Down Payment Assistance Program (DAP), which provides funds that go toward the down payment and/or closing costs. The DAP funds will assist the first time homebuyer with the down payment and/or closing costs. Funds for the DAP are limited, so all loans will be on a first‐come, first-served basis to qualified borrowers.

Colorado

Connecticut

  • CHFA Downpayment Assistance Program– In an effort to help individuals achieve their dreams of owning a home, the Connecticut Housing Finance Authority (CHFA) offers the Downpayment Assistance Program (DAP). This can go a long way toward helping to cover out-of-pocket expenses associated with a mortgage transaction that many first-time homebuyers could not afford otherwise.


    Fairfield Homeownership Assistance Program– The Town of Fairfield in Connecticut offers a federally funded Homeownership Assistance Program to help income-eligible, first-time homebuyers who don’t have the funds needed to cover the down payment or closing costs on a home.
    Hamden First-Time Homebuyer Down Payment Assistance Grant– The Town of Hamden’s recognizes that many individuals are stuck in a renter’s trap; they can afford monthly mortgage payments, but don’t have the funds for a down payment on a home. To help people in this situation, Hamden’s Office of Housing and Neighborhood Development offers eligible applicants a First-Time Homebuyer Down Payment Assistance Grant. Under this program, qualified individuals receive up to $5,000 in matching funds in down payment assistance.
    HouseHartford Homebuyer Assistance Program– The HouseHartford Homebuyer Assistance Program was created in an effort to increase homeownership opportunities in the City of Hartford. Funded by HUD’s HOME Investment Partnerships (HOME) Program, HouseHartford helps individuals achieve their dreams of homeownership by offering low and moderate-income homebuyers with down payment assistance.- The City of Brentwood recognized that many potential homebuyers who can afford monthly mortgage payments don’t have the funds saved up to pay the hefty, upfront costs associated with a home loan. To help overcome this hurdle, the City offers first-time homebuyers the Down Payment Assistance Program (DAP), which provides funds that go toward the down payment and/or closing costs. The DAP funds will assist the first time homebuyer with the down payment and/or closing costs. Funds for the DAP are limited, so all loans will be on a first‐come, first-served basis to qualified borrowers.

Delaware

District of Columbia

  • DC Open Doors Down Payment Assistance– To help individuals in Washington DC achieve their dreams of homeownership, the District of Columbia Housing Finance Agency (DCHFA) started DC Open Doors. The program offers home loans as well as down payment assistance to qualifying applicants, in order to help them out of the renter’s trap.

Florida

Georgia

Hawaii

  • HHOC Down Payment Assistance Loan– Hawaii HomeOwnership Center (HHOC), in conjunction with HHOC Mortgage (a separate non-profit mortgage broker) offers individuals the Down Payment Assistance Loan (DPAL) Program. 
    The purpose of this program is to make funds available to eligible applicants who are interested in purchasing a home but need financial help to pay the upfront costs, which include the down payment, as well as the closing costs and prepaid items required to obtain homeownership. These expenses can add up to a substantial amount, and the inability to pay it might keep people stuck in a renters trap.
    Honolulu Down Payment Loan Program– In an effort to promote homeownership and create a strong community, the City of Honolulu offers individuals the Honolulu Down Payment Loan Program.
    Hula Mae Mortgage Loan Program– In an effort to help potential homebuyers achieve their goals of homeownership, the Hawaii Housing Finance and Development Corporation (HHFDC) offers individuals the Hula Mae Mortgage Loan Program. In addition to an affordable home loan, the program provides assistance toward making the down payment associated with a mortgage.

Idaho

  • MyHome Assistance Program– The MyHome Assistance Program offers applicants a deferred-payment junior loan up to 3% of the purchase price/appraised value of the mortgaged property in order to help make the down payment or pay the closing costs.


    Brentwood Down Payment Assistance Program– The City of Brentwood recognized that many potential homebuyers who can afford monthly mortgage payments don’t have the funds saved up to pay the hefty, upfront costs associated with a home loan. To help overcome this hurdle, the City offers first-time homebuyers the Down Payment Assistance Program (DAP), which provides funds that go toward the down payment and/or closing costs. The DAP funds will assist the first time homebuyer with the down payment and/or closing costs. Funds for the DAP are limited, so all loans will be on a first‐come, first-served basis to qualified borrowers.

Illinois

  • Down Payment Plus Programs– With their Downpayment Plus Programs, the Federal Home Loan Bank (FHLB) of Chicago offers its members easy-to-access down payment and closing cost assistance programs for very low-, low- and moderate-income homebuyers in order to help their customers afford the upfront costs that come with buying a home.


    Homebuyer Program– Madison County in Illinois aims to increase homeownership in the area with the HOMEbuyer Program. This provides funds for down payment and closing costs to eligible individuals who can afford monthly mortgage payments, but not the hefty, upfront costs. One of the largest obstacles in homeownership is having to make down payments, and the HOMEbuyer Program is meant to help get people out of the renters’ trap.


    1stHomeIllinois– In an effort to help individuals achieve their dreams of homeownership, the Illinois Housing Development Authority introduced the 1stHomeIllinois Program. This program combines a 30-year fixed-rate mortgage with down payment assistance, making it affordable for individuals to purchase their first home.
    Chicago Home Buyer Assistance Program– The City of Chicago recognizes that many first-time homebuyers need help paying initial, upfront costs in a mortgage transaction. That’s why the City Council established the Chicago Home Buyer Assistance Program, which is designed to help its residents purchase their home by providing financial assistance for down payment and closing costs.
    City of Alton’s Homeownership Program– In an effort to boost homeownership rates within the City of Alton, and to provide individuals with affordable home-buying avenues, the City of Alton’s Homeownership Program was established. The program’s aim is achieved by offering down payment and closing cost assistance to income-eligible homebuyers.
    Joliet Down Payment Assistance Program– The City of Joliet, Illinois recognizes that many first-time homebuyers need help paying initial, upfront costs in a mortgage transaction. That’s why the City established the Joliet Down Payment Assistance Program, which is designed to help low-income applicants with down payment assistance to purchase their home.
    Kane County First-Time Homebuyer Program– In an effort to help individuals achieve their dreams of homeownership, the Kane-Elgin HOME Consortium has funded the First-Time Homebuyer Program which comes with the Kane County Down Payment Assistance Program.
    Normal Homebuyer’s Down Payment Assistance Program– With the knowledge that many individuals are stuck in a renters’ trap due to the heavy out-of-pocket costs of purchasing a new home, the Town of Normal offers the Homebuyer’s Down Payment Assistance Program. Funded by the Community Development Block Grant program, this program covers a portion of the down payment for eligible applicants.
    Romeoville Assist Program– In an effort to boost homeownership, the Village of Romeoville partnered with other communities to offer residents the Homebuyer Assistance Program, also known as the Assist Program. This program provides potential homebuyers with the Mortgage Credit Certificate (MCC) program, as well as funds to pay all or most of their closing costs and the down payment.

Indiana

  • Homebuyers Assistance Program– Lake County Community Economic Development Department realized that though many individuals can afford monthly mortgage payments, they don’t have the funds required to pay the upfront costs that come with buying a home. The Homebuyer Assistance Program is designed to help households overcome this hurdle, by helping to cover the down payment, fees, closing costs, etc.


    First Time Home Buyer Down Payment Assistance– In an effort to help individuals secure affordable financing to purchase a home, the Homeownership Opportunity Network (HON) offers the First Time Homebuyer Program. This helps potential homebuyers overcome the hurdle of saving for the hefty, upfront costs associated with a mortgage transaction.
    Next Home– The Indiana Housing & Community Development Authority initiated the NextHome program in an effort to make it more affordable for individuals to finance a home. The purpose of this program is to make funds available to eligible applicants who are interested in purchasing a home but need financial help to pay the upfront costs, such as the down payment and closing costs. These expenses can add up to a substantial amount, and the inability to pay it might keep people stuck in a renters’ trap.
     

Iowa

  • Cedar Rapids First Time Home Buyer Program– The City of Cedar Rapids offers individuals down payment assistance in the form of the First Time Home Buyer Program. Funds are available on a first-come, first-served basis, and applications are reviewed in order. 


    Dubuque First-Time Homebuyer Loan Program– In an effort to help individuals achieve their dreams of homeownership, the City of Dubuque offers the First-Time Homebuyer Loan Program. This helps potential homebuyers overcome the hurdle of saving for the hefty, upfront costs associated with a mortgage transaction.
    Waterloo Down Payment Assistance Program– The Waterloo Housing Authority recognized that many individuals need help paying initial, upfront costs in a mortgage transaction. In an effort to increase homeownership opportunities for these first-time homebuyers who are least likely to apply for a mortgage, the Waterloo Down Payment Assistance Program was created.  
    FirstHome Plus- In an effort to assist individuals achieve their homeownership goals the Iowa Finance Authority offers the FirstHome Plus program, which provides down payment assistance to eligible first-time homebuyers who are purchasing a primary residence in Iowa.
    Home$tart and Home$tart Plus Programs– In an effort to help families achieve their homeownership dreams, the Federal Home Loan Bank (FHLB) of Des Moines offers individuals the Home$tart and Home$tart Plus Programs, which assist by providing down payment and closing cost assistance.

Kansas

Kentucky

Louisiana

Maryland

  • Maryland Mortgage Program– Any homebuyer with a home loan from the Maryland Mortgage Program (MMP) can apply for their Down Payment Assistance Program to help make a down payment on the property, pay for closing costs, or satisfy prepaid/escrow expenses. This is a zero-interest, deferred loan, which means homebuyers have to pay back no more than the principal amount (which can go as high as $5,000), and not until you’ve paid off the mortgage on your home, or decide to refinance, sell, or vacate the property.

Michigan

Minnesota

  • First Time Homebuyer Program– The First Time Homebuyer Program is an initiative of the Dakota County Community Development Agency (CDA). In order to help low and moderate-income families achieve their dreams of homeownership, the CDA’s First Time Homebuyer Program has been providing homebuyers with fixed interest mortgages and down payment and closing cost assistance since 1983.

Montana

  • Neighborworks Montana– The Montana Board of Housing (MBOH) partners with cities, counties, non-profits, lenders, employers, and others in order to help potential homebuyer overcome the hurdle of down payments and closing costs. However, most programs have a specific geographic area in which they provide assistance. The NeighborWorks Montana (NWMT) Statewide Down Payment Assistance Second Mortgage Program helps fill in the gaps for those areas not covered.
    Score Advantage Down Payment Assistance Program– The Montana Board of Housing (MBOH) recognizes that although many potential homebuyers can afford monthly mortgage payments, they may not have the funds to make heavy down payments or pay closing costs. For this reason, MBOH has partnered with organizations around the state to help people get out of the “renters trap.”

Nevada

New Hampshire

  • Home Flex Plus– In an effort to boost homeownership, New Hampshire Housing offers individuals the Home Flex mortgage option along with down payment and closing costs assistance in the form of Home Flex Plus.

New Jersey

  • NJHMFA Down Payment Assistance Program– The New Jersey Housing and Mortgage Finance Agency’s (NJHMFA) Down Payment Assistance Program is a state-wide initiative that makes the mortgage process more affordable for first-time homebuyers. The program’s purpose is to make funds available for eligible applicants who are interested in purchasing a home but need financial help to pay the upfront costs associated with a mortgage transaction.

New York

North Carolina

  • NC Home Advantage Mortgage Program– North Carolina’s Housing Finance Agency realizes that one of the major obstacles on the path to homeownership is the down payment. Though many people can afford to make monthly mortgage payments, they don’t have enough money saved to pay the upfront costs. The NC Home Advantage Mortgage Program aims to help individuals overcome this obstacle.

North Dakota

  • Start Program– The North Dakota Housing Finance Agency (NDHFA) created the Start Program to help make the home purchasing process more affordable for low- to moderate-income homebuyers. With this program, income-eligible individuals can apply for home mortgages that come with down payment and closing cost assistance.
    NDHFA Downpayment and Closing Cost Assistance Program– In addition to providing low-income families with affordable mortgage loans, the North Dakota Housing Finance Agency (NDHFA) offers individuals the Downpayment and Closing Cost Assistance (DCA) Program. With this program, the NDHFA aims to help low-income, first-time homebuyers meet their out-of-pocket cash requirements.

Ohio

Oklahoma

  • REI Down Payment Assistance Program– Working in partnership with participating lenders, the REI Down Payment Assistance Program provides qualifying homebuyers with closing cost and down payment assistance. This program is designed for low-income borrowers who are able to make monthly mortgage payments but don’t have enough funds saved up for a down payment.

Oregon

  • Extra Step and Project Reinvest LoansWillamette Neighborhood Housing Services (WNHS), along with other organizations, aim to help individuals overcome the hurdles of homeownership by providing a combination of homebuyer education courses, counseling, and financial assistance. With different Down Payment Assistance Programs, they help to bridge the affordability gap and help individuals out of the renters’ trap.  The programs listed can be used separately or in combination to aid home purchase costs.
    First Time Home Buyer Assistance Program– The City of Corvallis Home Buyer Assistance Programs aims to promote homeownership within city limits by helping individuals fund part of the down payment and/or closing costs on their new homes. The First Time Home Buyer Program assists individuals to overcome the hurdle of these upfront costs.
    HOME Foundation Buyers Assistance Grant– Many individuals in Oregon have fallen into the renters’ trap, where they can afford potential monthly mortgage payments, but do not have enough money saved up for a down payment. The Rogue Valley Association of Realtors (RVAR) together with the Oregon Association of Realtors (OAR) funds the HOME Foundation Buyers Assistance Grant, which is meant to help people out of this trap. The program offers eligible homebuyers up to $1,000 to be put toward a down payment, closing costs, or prepaid items.

Pennsylvania

Rhode Island

  • First Down Program– In an effort to assist potential homebuyers afford the costs of buying a new home, Rhode Island Housing (RIH) established the First Down Program, a forgivable loan secured by a second mortgage that targets the six Rhode Island communities most affected by the foreclosure crisis: Providence, Pawtucket, Woonsocket, Warwick, Cranston and East Providence. The program aids first-time homebuyers with $7,500 in down payment assistance.

South Carolina

  • Homeownership Program– The South Carolina State Housing Finance and Development Authority (SC Housing) understands that many individuals are unable to make their dreams of homeownership a reality because they are unable to make large down payments. That’s why SC Housing began the Homeownership Program. The program assists low-to-moderate income borrowers, not only with a competitive, fixed-rate mortgage, but down payment assistance as well.

South Dakota

  • HAPI Down Payment Closing Cost Assistance- South Dakota’s Homes Are Possible Inc. (HAPI) acknowledges that even though potential homebuyers are able to make the monthly payments on a new home, they may not have enough saved for a down payment. That’s why HAPI currently offers a $3,500 non-forgivable loan as Down Payment/Closing Cost Assistance for Brown County. This is a zero-interest loan, which needs to be repaid to HAPI only if the borrower decides to sell, refinance, or transfer the title on the home.
    For other South Dakota counties, HAPI provides Housing Opportunity Funds. This award comes in the form of a $3,500 forgivable grant.
    Sioux Falls Homebuyer Assistance Program– Since 1998, the Sioux Falls Homebuyer Assistance Program has helped hundreds of applicants achieve their dreams of homeownership. The program assists low- and moderate-income individuals by providing assistance with the down payment and closing costs associated with buying a new home.
    Fixed-Rate Plus Option– In an effort to help individuals achieve their dreams of homeownership, the South Dakota Housing Development Authority offers the Fixed Rate Plus Option. This program helps to cover some or all of the down payment and closing costs associated with a mortgage transaction.

Tennessee

  • First Time Home-Buyers Program– The City of Clarksville’s Office of Housing and Community Development recognizes that many first-time homebuyers need help paying initial, upfront costs in a mortgage transaction. That’s why the Office established the First Time Home-Buyers Program, which is designed to help income-eligible applicants with down payment and closing cost assistance to purchase their first home within the City of Clarksville. Down Payment funds are provided as a second mortgage, fully forgiven as long as the borrower lives in the house for at least five years and one month. Closing costs provided are due upon sale or other transfer.
    Great Choice Plus– Tennessee Housing Development Agency (THDA) created the Great Choice Home Loan, a fixed-rate, 30-year mortgage option, to help Tennesseans achieve their dreams of owning a home with affordable financing. Not only does the loan allow individuals to borrow up to 96.5 percent of the purchase price, but qualifying for it also makes you eligible for Great Choice Plus, THDA’s down payment assistance program.
    Hardest Hit Fund Down Payment Assistance– In an effort to help Tennesseans achieve their dreams of owning a home with affordable financing, the Tennessee Housing Development Agency (THDA) offers individuals aid via the Hardest Hit Fund Down Payment Assistance (HHF-DPA) Program. The program is for THDA’s Great Choice Home Loan borrowers purchasing an existing home in ZIP codes that were hit hardest during the economic downturn and are recovering slower than other areas across the state.

Texas

  • My First Texas Home– Along with a competitive, fixed interest, 30-year home loan, the Texas Department of Housing and Community Affairs’ My First Texas Home’s “Taxable Mortgage Program” (TMP) offers down payment and closing cost assistance of up to 5 percent of the mortgage loan.
    Hill Country Home Down Payment Assistance– In order to help homebuyers obtain government-backed FHA, VA or USDA-RD loan financing, the Travis County Housing Finance Corporation offers the Hill Country Home Down Payment Assistance (DPA) Program. It is designed for homebuyers to purchase a home anywhere in Travis County, including the City of Austin, by helping them overcome the obstacle of down payment costs.
    5 Star Texas Advantage Program– The Southeast Texas Housing Finance Corporation (SETH) offers Texas residents the 5 Star Texas Advantage Program, which helps eligible applicants with down payment and closing cost assistance in the form of a grant. The program provides up to 6 percent of the total loan amount in grant money to qualifying applicants. They can choose the amount of assistance and loan option that best meets their needs, out of the many options available. Any borrowers financing with the Freddie Mac/conventional mortgage option and meet SETH’s Affordable Income Subsidy Limits may receive an additional 2 percent of the loan amount.
    Home Star Program– The Southeast Texas Housing Finance Corporation (SETH) recognizes that though many potential homebuyers can afford the monthly mortgage payments on a new house, they don’t have enough money saved up for the down payment. That’s why SETH offers Texas residents the Home Star Program, which helps eligible applicants with down payment and closing cost assistance.
    Homeownership Across Texas– The Southeast Texas Housing Finance Corporation (SETH) recognizes that though many potential homebuyers can afford the monthly mortgage payments on a new house, they don’t have enough money saved up for the down payment. That’s why SETH initiated the Homeownership Across Texas (HAT) Program, which provides eligible homebuyers with down payment and closing cost assistance in the form of a grant.
    Homes for Texas Heroes Program– The Texas State Affordable Housing Corporation wanted to help some of the state’s hardworking individuals achieve their dreams of homeownership, which is why they introduced the Homes for Texas Heroes Program. This initiative provides teachers, police and correctional officers, firefighters and EMS personnel, and veterans with down payment assistance and a 30-year fixed-rate mortgage with several rates and loan options.

Utah

  • UHC Down Payment Assistance– In addition to regular home loans, Utah Housing Corporation (UHC) offers borrowers the option of getting a second mortgage in order to finance some or all of their down payment and closing costs. This Down Payment Assistance is to be used in conjunction with an FHA, VA, or Fannie Mae home loan from a UHC participating lender.
    CDCU Down Payment Assistance– In order to help ease the burden for potential homebuyers, the Community Development Corporation of Utah (CDCU) offers federally funded Down Payment Assistance (DPA) programs. These programs provide income-eligible, first-time homebuyers with funds for down payment requirements and/or closing costs associated with a first mortgage, in order to help these individuals purchase homes. Under the CDCU’s program, there are a limited number of deferred loans/grants available each year, which is why applicants will receive their financial award on a first-come, first qualified basis.
    West Valley City Down Payment Assistance Grant– West Valley City recognizes that many potential homebuyers who can afford monthly payments on a mortgage but don’t have enough money saved for out-of-pocket costs, such as the down payments. To help overcome this hurdle, they offer assistance via the Down Payment Assistance Grant.

Vermont

Washington

West Virginia

  • Movin’ Up Program– The West Virginia Housing Development Fund aims to help moderate-income individuals achieve their dreams of homeownership via the Movin’ Up Program.  The program is not restricted to first-time homebuyers; it is designed for those who have outgrown their current home or just want to make a change.
    Homeownership Program– In an effort to help individuals achieve their dreams of homeownership, the West Virginia Housing Development Fund offers the HOMEownership Program. The program provides eligible homebuyers with a 30-year, fixed-rate mortgage loan that finances up to 100 percent of the purchase price of the home, with the option of down payment assistance.

Wisconsin

Wyoming

  • Welcome Home Wyoming ProgramWelcome Home Wyoming is a statewide down payment assistance program, meant to help individuals achieve their dreams of homeownership. This program aims to provide funds to eligible applicants who are interested in purchasing a home but need financial help to pay the upfront costs such as the down payment, closing costs, and prepaid items required to obtain homeownership. These expenses can add up to a substantial amount, and the inability to pay it might keep people stuck in a renters trap.
    Home$tretch Loan Program– In order to help individuals achieve their dreams of homeownership, the Wyoming County Development Authority (WCDA) launched the Home$tretch Loan Program, which helps potential homebuyers cover down payment, closing costs, and prepaid items with assistance in the form of a deferred loan.

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