Federal Home Buying Grants Apr 2026

: Often structured as a grant or a "silent" second mortgage that is forgiven if you stay in the home for a set period.

: Programs like the Homebuyer Dream Program provide grants up to $30,000 for down payments and closing costs for those earning 80% or less of the Area Median Income. Indirect Federal Grants (State & Local) federal home buying grants

: Managed by HUD, this program provides a 50% discount on the list price of a home for law enforcement officers, teachers, firefighters, and EMTs in revitalization areas. : Often structured as a grant or a

: Specific funds to help cover the 2%–5% of the home price typically required for closing. Typical Eligibility Requirements federal home buying grants