: 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.
: 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
The federal government provides block grants to states and municipalities through the . Local agencies use these funds to create: : Managed by HUD, this program provides a
: Defined as not having owned a home in the past three years. Local agencies use these funds to create: :
The federal government does not provide direct "free money" grants to individuals for buying homes. Instead, federal assistance is primarily delivered through government-backed loan programs, interest rate reductions, and funding allocated to state and local agencies that then offer grants to eligible residents.
: Most programs are capped at 80%–120% of the Area Median Income (AMI).
: Mandatory completion of a HUD-approved homebuyer education course. Home buying assistance | USAGov