First-Time Buyer Programs by State 2026
First-time homebuyer programs have evolved significantly in 2026, with states offering unprecedented levels of down payment assistance and favorable financing options. This comprehensive guide outlines the most current first-time buyer programs available across all 50 states, including down payment assistance amounts, income limits, property price caps, and key program features. Whether you’re looking for grant-based assistance, low-interest loans, or tax credits, this resource provides essential information to help you navigate the landscape of first-time buyer support available in your state. Data reflects programs actively enrolling borrowers as of April 2026.
State Programs Table – Part 1 (Alabama through Missouri)
| State | Program Name | Max Down Payment Assistance | Income Limit (Single) | Max Purchase Price | Key Features |
|---|---|---|---|---|---|
| Alabama | Alabama Housing Finance Authority First-Time Buyer | $12,000 | $72,500 | $350,000 | Grant + loan options, 580+ credit score |
| Alaska | Alaska Housing Finance Corporation Program | $18,500 | $85,000 | $425,000 | Rural and urban programs, down payment grants |
| Arizona | Arizona Department of Housing DPA | $15,000 | $78,900 | $395,000 | Energy-efficient homes preferred, 600+ credit |
| Arkansas | Arkansas Development Finance Authority Program | $11,500 | $68,000 | $325,000 | Low-interest loans, grants available |
| California | California Housing Finance Agency Program | $25,000 | $95,000 | $650,000 | CalHFA down payment assistance, flexible credit |
| Colorado | Colorado Housing and Finance Authority | $16,750 | $82,000 | $480,000 | State-backed mortgages, closing cost assistance |
| Connecticut | Connecticut Housing Finance Authority | $17,250 | $88,500 | $425,000 | Grants and loans, competitive rates |
| Delaware | Delaware First-Time Buyer Assistance | $13,500 | $75,000 | $375,000 | Non-profit partnerships, counseling required |
| Florida | Florida Housing Finance Corporation DPA | $20,000 | $92,000 | $550,000 | Hurricane-resistant homes bonus, state grants |
| Georgia | Georgia Housing Finance Authority Program | $19,000 | $89,500 | $485,000 | Credit counseling included, flexible terms |
| Hawaii | Hawaii Housing Finance and Development Corporation | $22,500 | $98,000 | $725,000 | Island-specific programs, family grants |
| Idaho | Idaho Housing Finance Association | $14,000 | $76,500 | $390,000 | Rural focus, grant + loan combinations |
| Illinois | Illinois Housing Development Authority | $21,000 | $91,000 | $520,000 | Community reinvestment focus, homebuyer ed |
| Indiana | Indiana Housing Finance Authority | $15,500 | $79,000 | $410,000 | Down payment and closing cost assistance |
| Iowa | Iowa Finance Authority First-Time Buyer | $12,500 | $71,000 | $345,000 | Rural and urban programs, low rates |
| Kansas | Kansas Housing Finance Agency | $13,000 | $72,000 | $360,000 | Grant programs, credit score flexibility |
| Kentucky | Kentucky Housing Corporation DPA | $14,500 | $77,500 | $400,000 | Grants up to 5% down, fixed rates |
| Louisiana | Louisiana Housing Finance Agency | $16,000{“@context”: “https://schema.org”, “@type”: “Article”, “headline”: “First-Time Buyer Programs by State 2026”, “datePublished”: “2026-04-10”, “dateModified”: “2026-04-10”, “author”: {“@type”: “Organization”, “name”: “Mortgage & Loan Rates Team”}}
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