Loans that are forgiven if you live in the home for a certain number of years (usually 5 to 10).

The home's value must fall within specific limits set by the program or the locality.

Low-interest loans that cover the down payment; some are "silent seconds" where repayment is deferred until you sell the home.

Buying a home is a major milestone, but the upfront costs can be a significant barrier. Fortunately, numerous programs at the federal, state, and local levels offer financial assistance to help make homeownership more accessible. Federal Assistance Programs

DPA programs are often administered by State Housing Finance Agencies (HFAs) or local non-profits. These can bridge the gap between your savings and the required upfront cash.