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  Break Down. Rebuild. Live Well.
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Are you 55 or older, unemployed and looking for work? The Senior Community Service Employment Program (SCSEP) can help you get on-the-job training. There are 72 AARP SCSEO locations in which you can contact and get assistance.

For information about jobs, training, career resources, or unemployment benefits call: 1-877-US2-JOBS (1-877-872-5627) or TTY 1-877-889-5627

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Home Buying, Apartment Renting and Finance

Find Apartments in - Good/Bad Credit. Evictions. Criminal History.

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There is a way to find a job with a company that may overlook and therefore hire you with background problems. Some credit issues, criminal history, someone, or some company that may give you a chance when trying to start over.

The easiest way is to identify those companies that are already known for hiring people with a crimanal history. We have a list of companies that we know of who are either misdeameanor or felony-friendly.

Buyer Assistance Agencies and Affordable Housing Programs

HUD Approved Housing and Counseling Agencies for - Want advice on buying a home, renting, default, foreclosure avoidance, credit issues or reverse mortgages? HUD sponsors housing counseling agencies in to provide free or low cost advice.


1st Home, MO - Down Payment Assistance Program St. Louis County, Florissant, Jefferson County, St. Charles City, O'Fallon, St. Charles County, Saratoga Development - FHA, VA - Up to $7,500 in assistance. First time homebuyer requirement. Borrower must attend homebuyer education course. DTI maximum requirement is 36%/42% and borrower must contribute $1,000. Refer to the Down Payment Assistance webpage for additional program information. (Local GOV Program)

Augusta, GA Housing & Community Development Department - AHCDD Augusta - Richmond County, GA - FHA, VA - First Time Homebuyer program. Up to $7,500 in assistance. Must meet income requirements and attend home-buyer education course. Please refer to webpage for additional requirements. (Local GOV Program)

Baltimore Housing - Block Grant Program Baltimore City, MD - FHA, VA - First Time Homebuyer Program. $5,000 in assistance. Must meet income requirements and complete homebuyer education prior to property offer. Please refer to webpage for additional requirements. (Local GOV Program)

Baltimore, MD - Vacant to Value Booster Program Select properties in the City of Baltimore - FHA - Up to $10,000 in assistance. Borrower must contribute $1,000 to purchase. The borrower must attend city approved home buyer counseling class. Refer to the Down Payment Assistance webpage for additional program information. (Local GOV Program)

Biddeford Housing Authority, ME - Direct Homebuyer Program City of Biddeford - FHA and VA - Up to $10,000 in assistance. Must contribute a minimum of 1% of the sales price or $1,500. Must be a first time homebuyer. Borrower must attend homebuyer education course. Refer to the Down Payment Assistance webpage for additional program information. (Local GOV Program)

Burlington, NJ - First Time Homebuyer Program Burlington County - FHA - Up to $5,000 in down payment assistance. First time homebuyer requirement. Borrower must attend homebuyer education course. Refer to the Down Payment Assistance webpage for additional program information. (Local GOV Program)

Capital City Employer Incentive, NY - Down Payment Loan Assistance Albany, NY - FHA and VA - Up to $5,000 in assistance. Must be a full-time employee of the City of Albany. No first time homebuyer requirement. Refer to the Down Payment Assistance webpage for additional program information. (Local GOV Program)

Chattanooga, TN - Neighborhood Enterprise Homebuyer Program City limits of Chattanooga - FHA and VA - Up to $8,000 in assistance or 10% of the purchase price (lessor of). There is no minimum contribution requirement. Refer to the Down Payment Assistance webpage for additional program information. (Local GOV Program)

City of Alton, IL - Homeownership Program City of Alton - FHA, VA - Up to $5,000 in assistance. Borrower must attend a homebuyer education class. Minimum FICO requirement of 620. Maximum DTI of 35/41. Refer to the Down Payment Assistance webpage for additional program information. (Local GOV Program)

City of Aurora-HOAP City of Aurora-Arapahoe County - FHA - Up to 3.5% downpayment and up to $10,000 in closing costs (Local GOV Program)

City of Brownsville, TX - Homebuyer Assistance Program Brownsville, TX - FHA and VA - Up to $25,000 in assistance. Must be a first time homebuyer. DTI maximum is 31%/43%. Borrower must contribute $1000.00. Refer to the Down Payment Assistance weblage for additional program information. (Local GOV Program)

City of Chester, PA - First Time Homebuyer Program (HAP) City of Chester - FHA and VA - Up to $5,000 in assistance. First time homebuyer requirement. The borrower may NOT contribute more than 10% (5% own funds / 5% CEDA funds). May not have more than $10,000 in liquid assets. Refer to the Down Payment Assistance webpage for additional program information. (Local GOV Program)

City of Chino/Cal-HOME City of Chino - FHA - DPA up to $60,000 not to exceed 20% of purchase price. Deferred loan for 30yrs. 3% interest accrues from year 11-30. Loan is not forgivable and requires repayment when property is sold or ceases to be owner occupied. (Local GOV Program)

City of Cincinnati, OH - American Dream Down Payment Initiative City of Cincinnati - FHA, VA - First Time Homebuyer. Up to $5,000 in assistance. The borrower must attend a homebuyer education class. Income and home price limits apply. Refer to the Down Payment Assistance webpage for additional program information. (Local GOV Program)

City of Columbus, OH - American Dream Down Payment Initiative Columbus, OH - FHA - Up to $5,000 in assistance. First time homebuyer requirement. Must reside in Ohio for at least 6 months. The applicant must provide at least $500 from own funds. Refer to the Down Payment Assistance webpage for additional program information. (Local GOV Program)

City of Corpus Christi, TX - Existing Inventory Homebuyer Program City limits of Corpus Christi, TX - FHA, VA - Up to $20,000 in assistance. May not be used towards closing cost. Must meet income requirements and attend department approved homebuyer education course. Please refer to program guidelines for additional detail. (Local GOV Program)

City of Corpus Christi, TX - Homebuyer Program City limits of Corpus Christi, TX - FHA, VA - First Time Homebuyer program. Principal residence only. Must meet income requirements and attend department approved homebuyer education course. Please refer to program guidelines for additional detail. (Local GOV Program)

City of Corpus Christi, TX - New Construction Program City limits of Corpus Christi, TX - FHA, VA - First Time Homebuyer program. Principal residence only. Must meet income requirements and attend department approved homebuyer education course. Please refer to program guidelines for additional detail. (Local GOV Program)

City of Covington, KY - Homebuyer Assistance Program City of Covington - FHA, VA - Re-approved Deferred loan up to $5K. Cannot use with FHA 203K (Local GOV Program)

City of Fresno, CA - CalHome Assistance Program City of Fresno, CA (must be on qualified census tract) - FHA, VA - First Time Homebuyer Program. Up to $50,000 in assistance. Must meet Income requirements and attend home-buyer education course. Must have lived or worked in the County of Fresno for the past 6 months. Please refer to webpage for additional requirements. (Local GOV Program)

City of Gainesville SHIP Program City of Gainesville -Alachua County - FHA - Up to $10,000 DPA for a 10yr, deferred, zero interest, zero payment, forgivable loan. Purchase price cannot exceed 90% of the average are purchase price. Borrower required contribution is 2% of the sales price. (Local GOV Program)

City of Gastonia, NC - Home Assistance Program Gaston and Cleveland County - FHA and USDA - Up to $5,000 in assistance. First time homebuyer requirement. Borrower must attend homebuyer education course. Refer to the Down Payment Assistance webpage for additional program information. (Local GOV Program)

City of Greenville 10% Loan Assistance Program City limits of Greenville - FHA - Up to 10% of the sales price (Local GOV Program)

City of Houston, TX- Houston Homebuyer Assistance City of Houston and Revitalization Areas - FHA, VA - Borrower must meet income requirements, attend homebuyer counseling course, applicant must provide household budget. Loan officer must complete program training before offering. Please refer to webpage for additional requirements. Currently only Damion Hughes of AmeriFirst Home Loan, LLC is approved to offer. (Local GOV Program)

City of Laredo, TX - Down Payment Assistance Program Laredo, TX - FHA and VA - Up to $14,999 in assistance. Must be a first time homebuyer. DTI maximum is 28%/45%. Must contribute $1000.00. Refer to the Down Payment Assistance webpage for additional program information. (Local GOV Program)

City of Lauderhill, FL SHIP Purchase Assistance Within the City of Lauderhill - FHA - Award levels are based on income. Income categories are very-low, low and moderate. Maximum award is $15,000 for moderate income, $20,000 for low and $25,000 for very low. Funds are awarded as a deferred subordinate loan secured by a second mortgage and Note. Fifty (50) percent of the award granted must be applied toward the down-payment. Refer to the Down Payment Assistance webpage for additional program information. (Local GOV Program)

City of North Lauderdale, FL - Purchase Assistance Program City of North Lauderdale - FHA and VA - Up to $16,000 in assistance. Borrower must contribute 1% of the purchase price or $1,000 (whichever is greater). First time homebuyer requirement. Refer to the Down Payment Assistance webpage for additional program information. (Local GOV Program)

City of Pensacola/Escambia County, FL - SHIP Down Payment Program Escambia County - FHA, VA, USDA - First Time Homebuyer program. Principal residence only. Must meet income requirements and attend department approved homebuyer education course. Please refer to program guidelines for additional detail. (Local GOV Program)

City of Providence, RI - Down Payment and Closing Cost Assistance Program City of Providence, RI specific census tracts: see program guidelines for additional detail. - FHA, VA - First Time Homebuyer or Second-Time homebuyer. Principal residence only. Income requirements apply and borrower must attend Homebuyer class. (Local GOV Program)

City of Rialto, CA - Down Payment Assistance Program City of Rialto - FHA, VA - Up to $27,000 in assistance. First time homebuyer requirement. Borrower must attend homebuyer education course. Refer to the Down Payment Assistance webpage for additional program information. (Non-Profit )

City of San Antonio, TX - Homeownership Incentive Program (HIP) City of San Antonio, TX targeted areas: refer to coverage map. - FHA, VA - First Time Homebuyer program. Principal residence only. Income requirements and borrower must attend an approved homebuyer class. Maximum DTI is 30/41. Please refer to program guidelines for additional detail. (Local GOV Program)

City of Tampa - Mortgage Assistance Program Within the City Limits of Tampa or Hillsborough County - FHA - Will pay up to $14,999 in total assistance. For down payment, the lesser of $10,000 or 20% or purchase price. Closing Costs lesser of $4,999 or 50% of closing costs. Min Fico 600 (Local GOV Program)

CO. Housing Assistance Corporation CHAC CO - FHA - First Time Homebuyer program. $5,000 Down payment only. Borrower must attend First Time Homebuyer class. Please check CHAC website to for current program offerings and income requirements. (Non-Profit )

Columbia County, PA - First Time Homebuyer Assistance Program Columbia County, PA - FHA, VA - First Time Homebuyer Program. Up to $5,000 or 10% of the purchase price, whichever is less. Must complete homebuyer counseling course and meet income requirements. Please refer to webpage for additional requirements. (Local GOV Program)

Columbus, GA - Down Payment Assistance Partner Program City of Columbus, GA - FHA, VA - Up to $10,000 in assistance. No first time homebuyer requirement. Homebuyer must attend approved education course. Loan officer must attend training before offering. Refer to the Down Payment Assistance webpage for additional program information. (Local GOV Program)

Community Housing Works CA - City of Carlsbad - FHA, VA, CONV - First Time Homebuyer program. Up to $20,000 in assistance. Must meet income requirements. Loan Officer must complete program training before offering. Funds are not available. (Non-Profit )

Community Housing Works CA - City of Chula Vista - FHA, VA, CONV - First Time Homebuyer program. Up to $70,000 in assistance. Must meet income requirements. Loan Officer must complete program training before offering. (Non-Profit )

Community Housing Works CA - City of National City - FHA, VA, CONV - First Time Homebuyer program. Up to $40,000 in assistance. Must meet income requirements. Loan Officer must complete program training before offering. (Non-Profit )

Community Housing Works CA - City of Santee - FHA, VA, CONV - First Time Homebuyer program. Up to $40,000 in assistance. Must meet income requirements. Loan Officer must complete program training before offering. (Non-Profit )

Community Housing Works - CalHome San Diego County - FHA, VA, CONV - First Time Homebuyer program. Up to $38,000 in assistance. Must meet income requirements. Loan Officer must complete program training before offering. Funds are not available. (Non-Profit )

Community Works, SC - Homebuyer Assistance Program Properties in Greenville County - FHA, VA, USDA - Up to $4,000 in assistance. First time homebuyer requirement. Must attend home buyer counseling. Maximum DTI is 30%. Refer to Down Payment Assistance webpage for additional program information. (Non-Profit )

Dallas County UPCAP 13 Participating Cities (see manual) and un-incorporated areas of Dallas only - FHA - Up to $7,500 for down-payment, closing costs and pre-paids (Local GOV Program)

Deerfield Beach DPA Within the City of Deerfield - FHA - Assistance up to a Max of $50,000 for a zero percent, deferred, second loan that reverts to a grant if all program conditions are met. Program requires borrower contribution of 3% from own funds or FHA acceptable Gift. (Local GOV Program)

Delaware County, PA - Down Payment Assistance Program Specific revitalization communities - refer to separate page - FHA, VA - Up to $5,000 in assistance. First time homebuyer requirement. The borrower must attend housing counseling. Refer to the Down Payment Assistance webpage for additional program information. (Local GOV Program)

Delaware County, PA - Individual Development Account Program (IDA) Montgomery, Delaware, Bucks, Chester, and Philadelphia Counties - FHA and VA - Match ratio 2:1. Must be first time homebuyer. Borrower must attend Financial Literacy Training and attend Homebuyer education course. Borrower must have a net worth of less than $10,000. Refer to the Down Payment Assistance webpage for additional program information. (Local GOV Program)

Detroit Land Bank Authority, MI - NSP Program Detroit Metro Area - FHA and VA - Up to $15,000 in assistance. Borrower must contribute 1% of the purchase price or $1,000 (whichever is less). Maximum DTI is 33%/42%. Refer to the Down Payment Assistance webpage for additional program information. (Local GOV Program)

Elizabeth City, NC - Community Homebuyers Assistance Program Camden, Chowan, Currituck, Gates, Pasqoutank, or Perquimans Counties - FHA and VA - Up to $3,000 in assistance. First time homebuyer requirement. Applicant must contribute $750 in personal funds towards down payment. Refer to the Down Payment Assistance webpage for additional program information. (Local GOV Program)

Fort Worth, TX - Homebuyer Assistance Program (HAP) Fort Worth - FHA and VA - Up to $14,999 in assistance. First time homebuyer requirement. Borrower must attend homebuyer education course. Borrower must contribute $1,000 or 2% of purchase price (lessor of the two). CLTV maximum is 105%. (Local GOV Program)

Franklin County, OH - Homeport Down Payment Assistance Program Frank County - Outside the City of Columbus - FHA, VA - Up to $6,000 in assistance. First time homebuyer requirement. The borrower must attend housing counseling. Refer to the Down Payment Assistance webpage for additional program information. (Local GOV Program)

Fresno County, CA - Homebuyer Assistance Program (HAP) CA - Unincorporated areas of select cities in Fresno County - FHA, VA - First Time Homebuyer program. Up to 20% of the purchase price. Must meet income requirements and attend home-buyer education course. Please refer to webpage for additional requirements. (Local GOV Program)

Fresno County, CA - Neighborhood Stabilization Program (NSP) CA - Select cities in Fresno County - FHA, VA - First Time Homebuyer program. Up to 30% of the purchase price. Additional assistance amounts may apply based on income. Must meet income requirements and attend home-buyer education course. Please refer to webpage for additional requirements. (Local GOV Program)

Gwinnett County, GA - Down Payment Assistance Program Gwinnett County - FHA, VA - Up to $7,500 in assistance. First time homebuyer requirement. DTI requirement of 42% and FICO minimum of 640. Borrower must attend homebuyer education course. Refer to the Down Payment Assistance webpage for additional program information. (Local GOV Program)

Harris County, TX - Down Payment Assistance Program Harris County, TX unincorporated Areas. Please refer to zip code and service area. - FHA - First Time Homebuyer program. Must income requirements, minimum FICO of 620, DTI maximum of 42%, please refer to webpage for additional requirements. Currently only Damion Hughes of AmeriFirst Home Loan, LLC is approved to offer. (Local GOV Program)

Harris County, TX - Down Payment Assistance Program Harris County, TX unincorporated Areas. Please refer to zip code and service area. - FHA - Up to $23,800 in assistance. Loan Officer Must Be Approved to Submit (Local GOV Program)

Henry County, GA Select properties in Henry County - FHA, VA - Up to $25,000 in assistance. No first time homebuyer requirement. Borrower must complete homebuyer education course. Refer to the Down Payment Assistance webpage for additional program information (Local GOV Program)

Hernando County, FL - Down Payment Assistance Program (SHIP) Hernando County, FL - FHA, VA - First Time Homebuyer program. Principal residence only. Income requirements and borrower must attend an approved homebuyer class. Maximum DTI is 41. Please refer to program guidelines for additional detail. (Local GOV Program)

Hillsborough County, FL - First Time Homebuyer Program Hillsborough County unincorporated areas or the Cities of Plant City or Temple Terrance. - FHA, VA - First Time Homebuyer program. Must meet income requirements, attend homebuyer counseling course. Please refer to webpage for additional requirements. (Local GOV Program)

HOMEbuyers Purchase Program City of East Orange - FHA and VA - Assistance is leveled according to purchase price. $50K or lower = assistance up to $5K, Above $50K = up to $10K and $100K or above the level of assistance is up to $25K (Local GOV Program)

Lee County, FL - Home Down Payment Assistance Program Lee County, FL - FHA, VA, USDA - Primary Residence only - Does not have to be first time homebuyer. Up to $7,500 in assistance. Sales must complete program training before offering. (Local GOV Program)

Lexington County, SC - Down Payment Assistance Program Lexington County - FHA and VA - Up to $5,000 in assistance. First time homebuyer requirement. Borrower must attend homebuyer education course. Program available to specific candidates, refer to program summary/guidelines for details. (Local GOV Program)

Madison County Com Dev (MCCD) HOMEbuyer pgm Madison County - FHA - Five year forgiveable loan. Max loan amount is $5,000. Zero intererest rate and forgiven at a rate of 20% per year. Borrower contribution is $1,000 (Local GOV Program)

Mercer County, NJ - First Time Homebuyer Program Mercer County (Excludes the City of Trenton) - FHA - Up to 2% of purchase price towards down payment - Maximum of $7,000 in assistance. First time homebuyer requirement. Borrower must attend homebuyer education course. Refer to the Down Payment Assistance webpage for additional program information. (Local GOV Program)

Miami-Dade, FL - MDEAT Homeownership Assistance Program (HAP) Miami-Dade County - FHA and VA - Up to $7,250 in assistance based on household income percentage. First time homebuyer requirement. Borrower must attend homebuyer education course. Refer to the Down Payment Assistance webpage for additional program information. LO must attend program training before offering. (Local GOV Program)

NeighborWorks Green Bay, WI - BCHA Loan / BCHA Conversion Loan Green Bay Impact Lending Area - FHA and VA - Up to a maximum of $5,000 in assistance. Borrower must contribute a minimum of $1,000 of own funds. Borrower does not have to be a first time homebuyer. Borrower must attend a homebuyer education course. Refer to the Down Payment Assistance webpage for additional program information. (Non-Profit )

NeighborWorks Green Bay, WI - HOME Loan / IMPACT HOME Loan Green Bay Lending and Impact Lending Area - FHA and VA - Up to a maximum of $7,500 in assistance. Borrower must contribute a minimum of $1,000 of own funds. Borrower does not have to be a first time homebuyer. Borrower must attend a homebuyer education course. Refer to the Down Payment Assistance webpage for additional program information. (Non-Profit )

NeighborWorks Green Bay, WI - Neighborhood Reinvestment Corp. (NRC) Green Bay Lending Area - FHA and VA - Up to a maximum of $5,600 in assistance. Borrower must contribute a minimum of $1,000 of own funds. Borrower does not have to be a first time homebuyer. Borrower must attend a homebuyer education course. Refer to the Down Payment Assistance webpage for additional program information. (Non-Profit )

NeighborWorks Green Bay, WI - Neighborhood Stabilization Program (NSP) Green Bay Lending Area - FHA and VA - Up to a maximum of $40,000 in assistance. Borrower must contribute a minimum of $1,000 of own funds. Borrower does not have to be a first time homebuyer. Borrower must attend a homebuyer education course. Refer to the Down Payment Assistance webpage for additional program information. (Non-Profit )

New Castle County DPS New Castle County-Outside the City of Wilmington - FHA - Re-Approval of loan previously approved 9/3/15 Deferred loan up to $5K Borrower to contribute $500. DTI max 50% no exceptions. Max CLTV 105% (Local GOV Program)

NHSIE / CalHome CA (Riverside and San Bernardino County) - FHA , VA - First Time Homebuyer program. Up to $18,000. Borrower must take counseling course. Please refer to webpage for additional requirements. AVAILABLE FOR RETAIL ONLY (Non-Profit )

NHSIE / CityLift CA (cities of Fontana, San Bernardino, Riverside, Moreno Valley, Corona) - FHA, VA - Primary Residence only. $15,000 Down Payment only. Must take 8 Hour counseling course. Please refer to webpage for additional requirements. AVAILABLE FOR RETAIL ONLY (Non-Profit )

Northeast/Virginia HOME Consortium See guides for eligible areas in TN and VA - FHA - Deferred loan up to $10K depending on need (Local GOV Program)

NPHS - Neighborhood Partnership Housing Svcs Riverside, San Bernardino and Los Angeles Counties - FHA - Full approval for secondary financing (Non-Profit )

Oklahoma City, OK - Homebuyer Assistance Program - OK/CN DPA Oklahoma and Canadian Counties - FHA, VA - Primary Residence only - Does not require first time homebuyer. Income and DTI requirements. Refer to the Down Payment Assistance webpage for additional program information. (Local GOV Program)

Oklahoma City, OK - Homebuyer Assistance Program - OKC DPA City of Oklahoma City - FHA, VA - First Time Homebuyer. Up to $14,999.99 in assistance. Income and DTI requirements. Refer to the Down Payment Assistance webpage for additional program information. (Local GOV Program)

Orange County, FL - Down Payment Assistance Program (SHIP) Properties located in Orange County, outside the city of Orlando - FHA, VA - Up to $10,000 in assistance. First time homebuyer requirement. DTI requirement of 45% and minimum FICO of 620. Borrower must attend homebuyer education course. Refer to the Down Payment Assistance webpage for additional program information. (Local GOV Program)

Orange County, FL - Neighborhood Stabilization Program (NSP) Select properties in Orange County, FL - FHA, VA - Up to $20,000 in assistance based on income and household size. No first time homebuyer requirement. Minimum FICO of 620. Maximum DTI of 45%. Refer to the Down Payment Assistance webpage for additional program information. (Local GOV Program)

Osceola County Down Payment Assistance With the County of Osceola - Homes with the City of Kissimmee are not eligible - FHA - Up to 10% of the sales price based on income levels (Local GOV Program)

Palm Beach County, FL - SHIP Program City of West Palm Beach - FHA, VA and Conventional - Up to $60,000 in assistance. First Time Homebuyer (Local GOV Program)

Parkview Services, WA - City of Everett Within city limits of Everett - USDA - Up to $45,000 in assistance. Borrower must contribute at least $500 in own funds. Borrower must be an individual with a developmental disability or permanent disability as defined by the Americans with Disabilities Act or have a family member with a disability. Refer to the Down Payment Assistance webpage for additional program information. (Non-Profit )

Parkview Services, WA - City of Seattle City limits of Seattle - USDA - Up to $45,000 in assistance. Borrower must contribute at least 1% of purchase price or $2,250 whichever is higher. Borrower must be an individual with a developmental disability or permanent disability as defined by the Americans with Disabilities Act or have a family member with a disability. Refer to the Down Payment Assistance webpage for additional program information. (Non-Profit )

Parkview Services, WA - Housing Trust Fund Snohomish, Skagit, and King Counties - USDA - Up to $45,000 in assistance. Borrower must contribute at least $500 in own funds. Borrower must be an individual with a developmental disability or permanent disability as defined by the Americans with Disabilities Act or have a family member with a disability. Refer to the Down Payment Assistance webpage for additional program information. (Non-Profit )

Parkview Services, WA - King County King County - USDA - Up to $35,000 in assistance. Borrower must contribute at least $500 in own funds. Borrower must be an individual with a developmental disability or permanent disability as defined by the Americans with Disabilities Act or have a family member with a disability. Refer to the Down Payment Assistance webpage for additional program information. (Non-Profit )

Parkview Services, WA - Snohomish County Snohomish County, excluding the city limits of Everett, City of Marysville or City of Bothell - USDA - Up to $35,000 in assistance. Borrower must contribute at least $500 in own funds. Borrower must be an individual with a developmental disability or permanent disability as defined by the Americans with Disabilities Act or have a family member with a disability. Refer to the Down Payment Assistance webpage for additional program information. (Non-Profit )

Pasco County, FL - Homebuyer Assistance Program Within County and all 6 cities - FHA and VA - Up to $10,000 in assistance. LO/Broker must attend program training prior to offering. Maximum sales price is $240,000. The borrower must attend homebuyer education course. Do not have to be a first time homebuyer or a current Pasco County resident. Refer to the Down Payment Assistance webpage for additional program information. (Local GOV Program)

Pasco County, FL - Neighborhood Stabilization Program (NSP) Specific housing listed on Pasco County Housing list - FHA and VA - Up to 50% of the sales price. LO/Broker must attend program training prior to offering. No first time homebuyer requirement. Borrower must attend homebuyer education course. Refer to the Down Payment Assistance webpage for additional program information. (Local GOV Program)

Pathway to Purchase First Time Homebuyers Assistance Prince George County, MD - FHA, VA or Conventional - First Time Homebuyer Program. Up to $10,000 in assistance. Must be CREDIT WORTHY and meet income requirements and complete 8 hour housing counseling education. Please refer to webpage for additional requirements. (Local GOV Program)

Pierce County, WA - Down Payment Assistance Program Pierce County, outside the city limits of Tacoma, Lakewood and Bonney Lake - FHA - Up to 3.5% of sales price in assistance. First time homebuyer requirement. Borrower must attend homebuyer education course. Borrower must have at least $1,000 in liquid assets to contribute towards purchase. DTI maximum is 35%/45%. Refer to the Down Payment Assistance webpage for additional program information. (Local GOV Program)

Pompano Beach, FL - First Time Homebuyer Program Pompano Beach - FHA and VA - Up to $40,000 in assistance. First time homebuyer requirement. Borrower must attend homebuyer education course. Borrower must contribute at least 3% towards a down payment and closing costs. Refer to the Down Payment Assistance webpage for additional program information. (Local GOV Program)

Pompano Beach, FL - Neighborhood Stabilization Program (NSP) Specific properties in the Pompano Beach area - FHA and VA - Up to $55,000 in assistance. Must be primary residence. Borrower must attend homebuyer education course. Do not have to be a first time homebuyer, but must not currently own a home. Refer to the Down Payment Assistance webpage for additional program information. (Local GOV Program)

Pueblo, CO - Home Down Payment Assistance Program City of Pueblo and Pueblo County - FHA and VA - Up to $5,000 in assistance. First time homebuyer requirement. Borrower must attend homebuyer education course. Refer to the Down Payment Assistance webpage for additional program information. LO must attend program training before offering. (Local GOV Program)

Richland County Homeownership Assistance Program Richland County, outside the city limits to include Columbia, Irmo, Eastover, Forest Acres, Arcadia Lakes and Blythewood - FHA - Up to $10,000 for a 5yr, forgivabe, deferred, zero payment, zero interest loan. Purchase price cannot exceed the area median. $50.00 required investment. (Local GOV Program)

Santa Rosa County, FL - Homebuyer Assistance Program (HOME) Santa Rosa County - FHA, VA, and USDA - LO or Broker must attend program training prior to offering this program. Up to $10,000 in assistance. Maximum DTI is 35%/41%. Borrower does not have to be a first time homebuyer. Refer to the Down Payment Assistance webpage for additional program information. (Local GOV Program)

Savannah, GA - Dream Maker 1 Program Savannah, GA - FHA and VA - Up to $15,000 in assistance. Must not currently own a property. Maximum DTI is 33%/45%. Must contribute $500.00. Refer to the Down Payment Assistance weblage for additional program information. (Local GOV Program)

Savannah, GA - Dream Maker 2 Program Savannah, GA - FHA and VA - Up to $15,000 in assistance. Must not currently own a property. Maximum DTI is 33%/45%. Must contribute $500.00. Refer to the Down Payment Assistance weblage for additional program information. (Local GOV Program)

Savannah, GA - Dream Maker 3 Program Savannah, GA - FHA and VA - Up to $60,000 in assistance. Must not currently own a property. Maximum DTI is 33%/45%. Must contribute $500.00. Refer to the Down Payment Assistance weblage for additional program information. (Local GOV Program)

Seminole County, FL - First Time Homebuyer Program Seminole County - FHA and VA - Up to $50,000 in assistance depending on income level. First time homebuyer requirement. LO/Broker must attend program training to offer. Borrower must attend homebuyer education course. Refer to the Down Payment Assistance webpage for additional program information. (Local GOV Program)

Shelby County, TN - Down Payment Assistance Program Shelby County - FHA, VA - Up to $3,500 in assistance. First time homebuyer requirement. Borrower must attend homebuyer education course. DTI maximum requirement is 33%/43%. Borrower must contribute $500. Refer to the Down Payment Assistance webpage for additional program information. (Local GOV Program)

Spartanburg, SC - County Homeownership Program Unincorporated area in Spartanburg County - FHA, VA, USDA - Up to $5,000 in assistance. First time homebuyer requirement. Homebuyer must attend homebuyer education class. Minimum $500 investment by borrower. Refer to Down Payment Assistance webpage for additional program information. (Local GOV Program)

St. Clair County, IL - Homebuyer Assistance Program St. Clair County - FHA, VA - Up to $5,000 in assistance. First time homebuyer requirement. Borrower must attend homebuyer education course. Refer to the Down Payment Assistance webpage for additional program information. (Local GOV Program)

Tampa Bay, FL - Community Development Corporation City of Clearwater - FHA, VA - Assistance varies based geographic areas - refer to program guidelines or summary for specific information. Borrower must attend homebuyer education course. Refer to the Down Payment Assistance webpage for additional program information. (Local GOV Program)

Tampa Bay, FL - Community Development Corporation City of Largo - FHA, VA - Assistance varies based geographic areas - refer to program guidelines or summary for specific information. Borrower must attend homebuyer education course. Refer to the Down Payment Assistance webpage for additional program information. (Local GOV Program)

Tampa Bay, FL - Community Development Corporation Unincorporated areas in Pinellas County - FHA, VA - Assistance varies based geographic areas - refer to program guidelines or summary for specific information. Borrower must attend homebuyer education course. Refer to the Down Payment Assistance webpage for additional program information. (Local GOV Program)

The Housing Fund, TN Cheatham, Dickson, Robertson, Rutherford, Sumner, Maury, or Wilson Counties - FHA and VA - Up to $7,000 in assistance. The borrower must contribute at least 1% of the sales price from their own funds. Maximum DTI is 35%/45%. LTV cannot exceed 100%. Refer to the Down Payment Assistance webpage for additional program information. (Non-Profit )

The Housing Fund, TN Clarksville, TN - FHA and VA - Up to $7,000 in assistance. Maximum DTI is 35%/45%. LTV cannot exceed 100%. Refer to the Down Payment Assistance webpage for additional program information. (Non-Profit )

The Housing Fund, TN Davidson County - FHA and VA - Up to $7,000 in assistance. Maximum DTI is 35%/45%. LTV cannot exceed 100%. Refer to the Down Payment Assistance webpage for additional program information. (Non-Profit )

The Housing Fund, TN Williamson County - FHA and VA - Up to $7,000 in assistance. Maximum DTI is 35%/45%. LTV cannot exceed 100%. Refer to the Down Payment Assistance webpage for additional program information. (Non-Profit )

Town of Paradise Must be located in the Town of Paradise - FHA - Up to $40,000 for a 30yr deferred loan. Entire amount is due when the home is no longer occupied by the owner. 3% simple interest accrues for 10years, after 10 years, interest stops accruing. Borrower required to invest 2% of the sales price. (Local GOV Program)

Village of Schaumburg DPA Corporate limits of the Village of Schaumburg - FHA - DPA up to 50% of the down payment and closing costs not to exceed $10K. 5yr, deferred, zero payment, zero interest,forgivable loan. Must have a property inspection and lead inspection if built prior to 1978. Borrower to provide a minimum of $1,000 (Local GOV Program)

Village of Wellington, FL - NSP Program Village of Wellington - FHA - Up to 30% in assistance, based on the lessor of: Appraisal value, or NSP funds to improve property. Purchase price shall not exceed $280,000. Borrower must attend homebuyer education course. Refer to the Down Payment Assistance webpage for additional program information. (Local GOV Program)

Volusia County, FL - Homebuyer Assistance Program (HAP) Volusia County, FL excluding Daytona Beach and Deltona - FHA, VA - First Time Homebuyer Program. Up to $35,000 in assistance. Must meet Income requirements and attend home-buyer education course. Please refer to webpage for additional requirements. (Local GOV Program)

Volusia County, FL - Neighborhood Stabilization Program (NSP) Volusia County, FL - NSP listed homes only - FHA, VA - First Time Homebuyer Program. Up to $40,000 in assistance. Must meet Income requirements and attend home-buyer education course. Please refer to webpage for additional requirements. (Local GOV Program)

West Virginia - Homebuyer Assistance Program City of Martinsburg, Berkeley, Jefferson, and Morgan Counties - FHA and VA - Up to $20,000 in assistance. First time homebuyer requirement. Maximum DTI 30%/40%. Loan officer and processor must attend program training before offering. Refer to the Down Payment Assistance webpage for additional program information. LO must attend program training before offering. (Local GOV Program)

Western Regional Home Buyer Assistance Program Delta-Montrose within Region 10 - FHA - FTHB in Region 10. DPA will cover up to 1/2 one half of the borrowers MRI and the balance to closing costs and pre-paids not to exceed 8.5% of the purchase price not to exceed $12,000 Purchase Price is limited to 95% CLTV to 105% (Local GOV Program)

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City of Opelika Home Ownership Program - FHA - 50% of the 3.5% MRI and the rest applied to closing costs up to a total of $6,000 (Local GOV Program) - Lisa Harrelson

City of Tuscon Family Housing Resources DPA Anywhere in Pima Couny and the City of Tuscon - FHA - Available assistance up to 3.5% of the purchase price not to exceed $3,700. Forgivable in 5yrs in the home remains occupied by the owner. (Local GOV Program) - Cris or Joleen

City of Victorville, CA - Down Payment Assistance Program City of Victorville - FHA, VA - Up to $40,000 in assistance. First time homebuyer requirement. Borrower must attend homebuyer education course. Refer to the Down Payment Assistance webpage for additional program information. (Non-Profit )

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NPHS Community Housing Trust, CA - Down Payment Assistance Program Riverside and San Bernardino County - FHA, VA - Up to $18,000 in assistance. Borrower must attend homebuyer education course. DTI requirement of 38/45 and minimum FICO requirement of 620. Loan officer and/or Broker must attend sales training prior to offering program. Refer to the Down Payment Assistance webpage for additional program information. (Non-Profit ) Curtis Miller

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Texas State Affordable Housing Corporation - TSAHC provides mortgage loans and down payment assistance grants to eligible home buyers through the programs for teachers, firefighters and EMS personnel, police and correctional officers, and veterans and for Texas home buyers with low and moderate incomes. This service is available statewide through a network of participating lenders and you will need to take an eligibility quiz.

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