As a result of the foreclosure crisis, lenders are requiring tighter credit
and underwriting standards. Lenders view homebuyers with a
downpayment as more stable and less likely to default on their
investment. A downpayment provides a lender with security.

Assistance in the form of a gift can help homebuyers realize their home
ownership dreams. Your state has resources to not only assist you in
downpayment, but also provide money for closing costs.

Many program are administered through nonprofit organizations and
you will not have to pay a dime for the assistance. Start your research
here in locating a program.

Utah DownPayment Assistance Programs:
Logan Neighborhood Non-Profit Welcome Home Own in Logan
Program (DPA) - $5,000

Multi Counties Bear River Association of Governments First Time
Homebuyer Program (FTHB) - $1,600 - (435) 752-7242

Multi Counties Housing Services of Utah Valley Loan to Own Program
(LTO) - $7,000 - (801) 852-6164

Ogden Lincoln Court Townhomes Downpayment Assistance Program
(DAP) - $4,249 - (801) 629-8942

Ogden Own-in-Ogden Program - $10,000 - (801) 629-8942

Ogden Urban Homestead Program (UHP) - $50,000 - (801) 629-8942

Provo 80/20 Down Payment and Closing Cost Assistance Program
(DPA) - $24,000 - (801) 852-6160

Provo Down Payment and Closing Cost Assistance Program
(DPCCA) - $7,000 - (801) 852-6160

Provo Neighborhood Housing Services, Inc. Down Payment and
Closing Cost Assistance Program (DPCCP) - $10,000
(801) 375-5820

Salt Lake Community Development Corporation of Utah Own in Salt
Lake Downpayment Assistance Program (DAP) - $2,500
(801) 994-7222

Salt Lake Neighborhood Housing Services Inc A Home to Own Program
(DAP) - $2,000 - (801) 539-1590

Tooele County Down Payment Assistance Program (DAP) - $2,000
(435) 882-7875

West Jordan Down Payment Assistance Program (DAP) - $5,000
(801) 569-5060

West Valley City Home Ownership Program (HOP) - $5,000
(801) 963-3280

Vermont DownPayment Assistance Programs:
Burlington Community Land Trust Program - $30,000 - (802) 862-6244

Virginia DownPayment Assistance Programs:
Arlington County Moderate Income Purchase Assistance Program
$14,999 - (703) 486-0626

Loudoun County Down Payment and Closing Cost Assistance Program
(DPCC) - $5,000 - (703) 777-0389

Norfolk HOME Program - $35,000 - (757) 623-1111

Portsmouth The Center for Community Development Affordable
Housing for First Time Homebuyers (FTHB) $45,000 - (757) 399-0925

Richmond Direct Homeownership Assistance Plus (DHAP) - $10,000
(804) 354-0641

Richmond Keystone Program Direct Homeownership Assistance
(DHA) - $7,500 - (804) 354-0641

Washington DownPayment Assistance Programs:
Bremerton Down Payment Assistance Program (DAP) - $5,000
(360) 478-5375

Clark County Columbia Non-Profit Housing Corporation First Home
Loan Program (FHLP) - $26,000 - (360) 993-9555

Kitsap County Down Payment Assistance Program (DPA) - $5,000
(360) 692-5596

Kitsap County Vikings Crest SSP Program - $2,500
(360) 692-5596

Lakewood Down Payment Assistance Program (DPA) - $5,000
(253) 589-2489

Multi-Counties Spokane Neighborhood Action Programs Eastern
Washington IDA Network (IDA) - $4,000
(509) 456-7174

Pierce County Down Payment Assistance Program (DPAP) - $5,000
(253) 798-6909

Richland Down Payment Assistance Program (DPAP) - $5,000
(509) 942-7580

Seattle Delridge Neighborhood Development Association Down
Payment Assistance Program (DAP) - $35,000 - (206) 923-0917

Seattle Down Payment Assistance Program "New Holly" Project
$30,000 - (206) 684-0300

Seattle First Time Home Buyer Grants Program (HAP) - $30,000
(206) 760-4355

Seattle Homebuyer Assistance Program (HAP) Brandon Court Project -
$30,000 - (206) 684-0262

Spokane County Down Payment Assistance Program (DPA) - $15,450
(509) 456-7106

Spokane County Spokane Neighborhood Action Programs State Five
Program (DAP) - $15,000 - (509) 456-7106

Spokane Down Payment Assistance Program (DPA) - $10,000
(509) 456-7106

Tacoma Down Payment Assistance Program (DAP) - $10,000
(253) 591-5219

Yakima Down Payment Assistance Program (DAP) - $4,000
(509) 576-6326

Washington D.C. DownPayment Assistance Programs:
District of Columbia Greater Washington Urban League (Very Low
Income) Home Purchase Assistance Program (VPAP) - $20,000
(202) 265-8200

District of Columbia Greater Washington Urban League Employer
Assistance Housing Program (EAHP) - $11,500 - (202) 265-8200

District of Columbia Greater Washington Urban League, Inc. (Low
Income) Home Purchase Assistance  Program (HPAP) - $15,000 (202)
265-8200

District of Columbia Greater Washington Urban League, Inc.
(Moderate Income)

Home Purchase Assistance Program (MPAP) - $10,000
(202) 265-8200

District of Columbia Housing Authority (DCHA) Scattered Site Program
(SSP) - $100,000 - (202) 535-2572

Wisconsin DownPayment Assistance Programs:
Beaver Dam MSA Professional Services Housing Rehabilitation
Program (HRP) - $2,500 - (920) 887-4600

Clark County Down Payment and Closing Cost Loan (DPCC) - $25,000
(715) 267-7356

Dodge County MSA Professional Services Home Purchaser Program
(HPP) - $15,000 - (800) 552-6330

Douglas County Home Ownership Opportunity Program (HOOP) -
$3,200 - (715) 395-7335

Eau Claire Down Payment Closing Cost Assistance Program
(DCCAP) - $2,500 - (715) 839-4943

Green Bay NHS Inc Down Payment Assistance/Closing Cost
Assistance Program - $5,000 - (920) 448-3075

Green County MSA Professional Services Home Purchaser Program
(HPP) - $25,000 - (800) 552-6330

Manitowoc County Hmong Mutual Assistance Association Housing Cost
Reduction Initiative Program (HCRI) - $2,500 - (920) 458-0808

Milwaukee County Suburban First Time Homebuyers Program (FTHP)
$5,000 - (414) 278-4877

Milwaukee Neighborhood Housing Services, Inc Homeownership
Consortium Reduction Initiative (HCRI) - $2,500 - (414) 383-2272

Northwest Wisconsin Home Purchase Program (HPP) - $25,000
(715) 635-2197

Racine Homebuyer Down Payment Assistance Program (HDAP) -
$7,455 - (262) 636-9151

Rusk County Homestead Opportunity Program - $25,000
(715) 532-9075

Sheboygan County Hmong Mutual Assistance Association Housing
Cost Reduction Initiative Program (HCRI) - $3,500 - (920) 458-0808

Sheboygan Down Payment Assistance Program (DAP) - $3,500
(920) 458-0808

Waukesha County HBC Services Inc Grant Program (GRANT) - $1,500
(262) 650-3627

Wausau House Cost Initiative Program - $3,500 - (715) 261-6682

West Allis Homebuyers Loan Program - $4,000 - (414) 302-8430

Wisconsin Ho-Chunk Housing Authority Down Payment Assistance
Grant Program (GRANT) - $5,000 - (800) 236-2260
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Down-Payment Assistance Programs:
Utah through Wyoming
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