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
by www.rebuildcreditscores.com