Down Payment Assistance Available in September 2025

In the US, down payment assistance (DPA) programs offered by states and counties provide critical support to homebuyers, especially first-time buyers and moderate-income families.

Here’s an overview focusing on key states and counties with notable DPA programs available in September 2025.
 

Indiana

The Indiana Housing and Community Development Authority (IHCDA) offers two major programs:
 

• First Place Program: Up to 6% of the purchase price for first-time buyers, combined with FHA or conventional loans
• Next Home Program: Up to 3.5% of purchase price, also for first-time buyers, combined with FHA or conventional loans.

Both require credit scores of at least 640 and have debt-to-income ratio guidelines.
 

Massachusetts

MassHousing provides statewide assistance with options:
 

• Deferred payment loan up to $30,000 at 0% interest, no payments until sold or refinanced.
• 15-year loan up to $25,000 at 2% fixed interest with monthly payments.

Income and mortgage program conditions apply.
 

Michigan

Michigan State Housing Development Authority (MSHDA) offers the MI 10K DPA Loan providing up to $10,000 assistance in select ZIP codes.

Available to first-time and repeat buyers in specific areas, income limits and housing education required.
 

Missouri

Missouri Housing Development Commission’s First Place Program offers up to 4% of the purchase price as forgivable loans after 10 years.

Next Step Program provides 4% cash assistance with forgiveness after 10 years of residency.
 

Nevada

Nevada Rural Housing (NRH) offers:
 

• Home At Last DPA: No-interest, no-payment second mortgage forgiven after 30 years.
• Home Means Nevada Rural DPA: Forgivable second mortgage up to $25,000 for rural homebuyers.

 

New Hampshire

New Hampshire Housing offers up to $15,000 in mortgage loans, forgiven after five years. Qualification depends on income limits by county and completion of a homebuyer education course.
 

Oregon

Oregon Housing and Community Services provides assistance for low income and underserved families through local county agencies. Buyers are encouraged to contact local agencies directly for specifics.
 

Pennsylvania

 

• Pennsylvania Housing Finance Agency has multiple options:
  • Grants up to $500.
  • Keystone Advantage Assistance Loan Program: up to $6,000 or 4% of purchase price, zero interest.
  • Forgivable loans over 10 years.
  • Assistance for buyers with disabilities up to $15,000.
  • Employer Assisted Housing loans up to $8,000.
     

 

Additional Highlights by Counties and Cities

 

• Atlanta Housing: Offers up to $25,000 in forgivable loans for eligible professions and groups, with income caps at 80% of area median income.
• Chicago Housing Authority: Grants up to $20,000 for qualified residents.
• Los Angeles: Provides assistance loans up to $115,000 for moderate-income buyers.
• Vermont’s Champlain Housing Trust: Offers up to $40,000 deferred loans for manufactured home purchases.

 

Nationwide Context

 

• Over 2,400 DPA programs exist nationally, helping buyers lower loan-to-value ratios by about 6% on average.
• Programs increasingly support multi-family and manufactured home purchases, expanding options for more buyers.
• Eligibility generally includes income limits, credit requirements, homebuyer education completion, and primary residence use.

 

Conclusion

For September 2025, buyers across many states and counties can tap into a rich array of down payment assistance programs designed to make homeownership more affordable.

State housing agencies and local governments remain the primary providers, while cities and nonprofits offer valuable supplementary support. Prospective buyers should check specific program details at the state and county level to maximize benefits and meet requirements.

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