Maine DownPayment Assistance Programs:
Maine Coastal Enterprises Inc Individual Development Account Program
(IDA)  - $4,000 (207) 882-7552

Maine Multi Counties Washington Hancock Community Agency Set Aside
Funds Program (SAP) - $7,500 (207) 546-7544

York County Community Action Corporation Home-Ownership Program $25,000 (207) 324-5762

Maryland DownPayment Assistance Programs:
Annapolis Homeownership Gap Financing Program (GAP) - $40,000 (410) 269-1222

Annapolis Homes for America Homeownership Closing Cost Program
(HCC) - $40,000 (410) 269-1222

Anne Arundel County Arundel Community Development Services Inc
Mortgage Assistance Program (MAP) - $25,000 (410) 222-7600

Baltimore Buying Into Baltimore Home Sale Program (BIB) - $3,000 (410) 396-4606

Baltimore City Employee Homeownership Program $3,750 (410) 396-3124

Baltimore County Incentive Purchase Program (IPP) - $3,000 (410) 887-3803

Baltimore Empowerment Zone Housing Venture Fund Program $5,000 (410) 396-3124

Baltimore Neighborhood Housing Services of Baltimore Inc Closing Cost
Loan Program (CCLP) - $5,000 (410) 327-1200

Charles County First Time Home Buyers Settlement Expense Loan Program
(SELP) - $4,000 (301) 934-9305

Cumberland Neighborhood Housing Services Closing Cost Grant (CCG) - $1,000 (301) 722-6958

Rockville REACH Program (DAP) - $7,500.00 (301) 590-2014

Massachusetts DownPayment Assistance Programs:
Cambridge Purchaser Assist Program (PAP) - $10,000 (617) 349-4642

Infill Housing Homeownership Program (IHHP) - $25,000 (781) 581-8607

Lawrence Down Payment Loan Program (DPL) - $10,000 (978) 794-5891

Lowell Coalition For A Better Acre HOME Homeowner Acquisition Loan Program
(HHALP) - $10,000 (978) 970-2182

Multi-Communities, Quincy Community Action Programs,
Inc. Down Payment Assistance Program - $9,000 (617) 479-8181

New Bedford Neighborhoods First Time Homebuyer Program $6,000 (508) 979-1500

Plymouth Buyers Assistance Program (FTHB) - $10,000 (508) 830-4115

Salem First Time Homebuyer Program (FTHB) - $8,000 (978) 745-9595

Taunton First Time Home Buyer Program (FTHB) - $10,000 (508) 821-1030

Michigan DownPayment Assistance Programs:
Berrien County Greater Niles Community Development
Corporation Acquisition/Development/Resale - Program
(ADR) $5,000 (517) 241-4474

Jackson County Jackson Affordable Housing Corporation
Down Payment Assistance Program (DAP) - $3,000 (517) 788-4626

Lansing Down Payment Assistance (DPA) Program - $3,000 (517) 372-5980

Lansing Home Ownership Program for Employees (LHOPE) - $6,000 (517) 483-4593

Multi Counties Little Travese Bay Band of Odawa Indians Down Payment
Closing Cost Assistance Program
(LTBB) $5,000 (231) 242-1546

Schoolcraft County Homebuyer Assistance Program (HAP) - $5,000 (906) 341-5126

Wayne County First Time Home Buyers Program (FTHB) - $3,000 (313) 224-5011

Minnesota DownPayment Assistance Programs:
Alexandria City Homestead Assistance Program (CHAP) - $6,000 (320) 762-1311

Alexandria Greater Minnesota Housing Fund The Trails Development Gap
Financing Program (GAP) - $15,000 (651) 221-1997

Alexandria HRA Down Payment Assistance Program (DPAP) - Trails Development -
$2,500 (320) 762-1311

Alexandria MHFA Gap Financing Program (GAP) - Trails Development - $15,000 (320) 762-1311

Austin/Mower County Homeownership Fund Program $4,000 (507) 864-7741

Chaska Clover Ridge Owner Occupied Assistance Program
(OOAP) - $5,000 (952) 448-2851

Duluth Neighborhood Housing Services "Homeownership Program with Employers"
in Lincoln Park Grant - $4,000 (218) 727-8604

Duluth Neighborhood Housing Services of Duluth Homeownership
Incentive Program (HIP) - $4,000 (218) 628-1057

Duluth NHS/Hillside Homeownership Incentive Program (HIPP) - $4,000 (218) 628-1057

East Grand Forks Down Payment Assistance Program $3,000 (218) 773-2371

East Grand Forks New Construction Incentive (NCI) Program - $10,000 (218) 773-2371

Elliot Park Neighborhood Improvement, Inc. Homebuyers Assistance Program
$5,000 (612) 335-5885

Hutchinson Housing & Redevelopment Authority Down Payment Assistance
Program (DPA) - $2,000 (320) 234-4451

Itasca County/Koochiching County KOOTASCA Community Actions Homebuyer
Program (HBP) - $7,000 (218) 326-8539

Mankato Homeownership Program (HOP) 2nd Lien - $17,500 (507) 387-8622

Mankato Revolving Loan Fund (RLF) 3rd Lien - $3,000 (507) 387-8622

Minneapolis Equity Participation Loan Program (EPL) - $30,000 (612) 673-5289

Minneapolis Folwell Neighborhood Association First Time Home Assistance Program
(FTHP) - $2,000 (612) 588-3033

Minneapolis Hawthorne Homestead Program (HHIP) - $25,000 (612) 339-0601

Minneapolis/MCDA Closing Cost Loan (CCL) Program - $3,500 (612) 673-5289

Multi Cities Tri-County Actions Programs, Inc. Homeowner Gap
Financing Program (GAP) - $10,000 (320) 255-0705

Multi Counties Arrowhead Economic Opportunity Agency Inc Homeownership
Opportunity Program (HOP) - $5,000 (800) 662-5711

Multi Counties Headwaters Housing Development Corporation Two Note Program
(TNP) - $30,000 (218) 444-4732

Northfield Housing Assistance Program (NHAP) - $5,000 (507) 645-8833

Pennington County Affordable Housing Program (AHP) Community Revitalization Fund Program
(CRF) 3rd - Lien $7,000 (218) 637-2431

Pennington County Affordable Housing Program (AHP) Loan Pool Funds
(LPF) 2nd Lien - $4,000 (218) 637-2431

Ramsey County First Time Home Buyer Grants Program (FBAP) - $20,000 (651) 266-8025

Red Lake County Affordable Housing Fund
(AHF) Affordable Housing Loan Pool Fund
(LPF) 2nd Lien - $5,000 (218) 637-2431

Red Lake County Affordable Housing Fund (AHF) Community Revitalization Fund
(CRF) 3rd Lien - $8,000 (218) 637-2431

Rochester First Homes GAP Loan Program (GAP) - $15,000 (507) 281-7396

St Paul Community Neighborhood Housing Services,
Down Payment Assistance Program (DPAP) - $3,000 (651) 292-8710

Thief River Falls Slow Second Mortgage Program (SSMP) - $12,500 (218) 681-2500

Washington County First Time Home Buyer Grants Program
(FBAP) - $10,000 (651) 266-8025

Mississippi DownPayment Assistance Programs:
Biloxi & Gulfport Gulf Coast Community Action Agency Inc HOME Grant
(HG) - $14,975 (228) 896-1409

Biloxi PRIDE Homeownership Program (PRIDE) - $7,500 (228) 435-6280

Mississippi Down Payment Assistance Program - $25,000 (601) 718-4626

Newton First-Time Homebuyer Grant Program (GRANT) - 10,000 (601) 683-6181

Missouri DownPayment Assistance Programs:
Columbia Enterprise Development Corporation
(EDC) Home Ownership Assistance Program (HOP) - $2,500 (573) 874-7239

Columbia Home Investment Partnership Program (HIPP) $5000 Loan - $5,000 (573) 874-7239

Columbia Home Investment Partnership Program (HIPP) Additional Assistance Loan - $22,500
(573) 874-7239

Springfield West Central Neighborhood Alliance Down Payment
Closing Cost Assistance Program - $3,000 (417) 865-8842

St. Louis (City & County) St. Louis Reinvestment Corporation Closing
Cost Grant Assistance (CCGA) $5,000 (314) 588-9334

St. Louis (City and County) St Charles County Catholic Commission
on Housing First Time Homebuyer - Program (FTHP) $3,500 (314) 371-0144

St. Louis County 1st Home Down Payment and Closing Cost Loan Program
(CCLP) - $3,000 (314) 615-4405

St. Louis Grant Down Payment Assistance Program (DPA) - $2,500 (314) 533-0600

St. Louis Homebuyers Assistance Program (HAP) - $2,500 (314) 622-3400

St. Peters Home Ownership Program (HOP) - $5,000 (636) 477-6600

St. Louis International Institute Saint Louis IDA Home Purchase (IDA) - $4,000 (314) 773-9090

Montana DownPayment Assistance Programs:
Great Falls Neighborhood Housing Services Inc Lender Pool Loan Program
(LPL) - $75,000 (406) 761-5861

Havre First Time Homebuyer Program $59,568 (406) 265-9226

Lewistown Homebuyer Assistance Program (HAP) - $20,000 (406) 538-7127

Montana Homeword Inc Reach for the Dream Program (DAP) - $4,500 (406) 543-3550

Montana Neighborhood Housing Services Inc of Great Falls

Amortizing Down Payment and Closing Cost - Program (ADPCC) $5,000 (406) 761-5861

Montana Neighborhood Housing Services of Great Falls State 80% to 115% AMI Second
Mortgage Program - $5,000 (406) 761-5861

Multi Counties Great Falls NHS Inc of Great Falls STATE Due on Sale Program (SDOS) -
$20,000. (406) 761-5861
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DownPayment Assistance Programs:
Maine through Montana
by www.rebuildcreditscores.com
The dowpayment is handled through a
nonprofit agency or intermediary which
administers the program by overseeing
the transfer of money from the home
seller to the nonprofit agency.

The home buyer is not required to
repay the gift of downpayment and
there is no lien or second mortgage
involved.

Check your State's website for current
available programs in addition to the list
below.
DownPayment Assistance by State
Related Topics
Many downpayment assistance program involve the home seller giving the home buyer money
to cover the downpayment. The benefit to the home seller is that more home buyers may be
interested in purchasing the home with this extra incentive.
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