Real talk:
Some states are DRY. 🥵
Some states are FLOODED with free money. 💸
And some states refill their funding buckets every single year like clockwork. ⏳
If you’ve ever wondered:
“Where can I actually get help with my down payment?”
Here’s your answer — ranked from best funding stability → most unpredictable.
🏆 TOP-TIER: States With CONSISTENT, Reliable, Fully-Funded DPA Programs (Rank 1–10)
These states almost ALWAYS have money available. Their programs get renewed, refilled, and rarely shut down.
1️⃣ Texas (TX)
Homebuyer programs here stay STACKED.
– $30,000+ assistance in some counties
– Multiple statewide programs
– Fast approvals
2️⃣ Georgia (GA)
Your home state stays blessing folks.
– Georgia Dream (when open)
– ATL local grants
– Additional county-specific programs
3️⃣ California (CA)
Yes, expensive, but the grants are REAL.
– CalHFA programs
– Dream For All replacement grants in 2025
– City-level money: LA, SF, Oakland, San Diego
4️⃣ Florida (FL)
Always well-funded with rotating local programs
– Hometown Heroes
– SHIP programs by county
– Smooth approval process
5️⃣ Illinois (IL)
Especially CHICAGO, they stay cutting checks.
– IHDA grants
– $10K – $40K depending on program
– Reliable renewals each fiscal year
6️⃣ Arizona (AZ)
Major push for first-time buyers
– Pathway to Purchase
– Local city-based grants
7️⃣ Pennsylvania (PA)
– PHFA grants
– Philly has MULTIPLE active programs
8️⃣ Colorado (CO)
Always funded
– CHFA grants available statewide
– Additional local assistance
9️⃣ North Carolina (NC)
– NCHFA stable grant money
– County programs still open
🔟 Ohio (OH)
– OHFA grants
– Local programs in Columbus, Cleveland, Cincy
🟡 MID-TIER: Funding Available But Not Always Reliable (Rank 11–20)
These states HAVE money — but sometimes pause or run out quickly.
1️⃣ Michigan (MI)
Programs rotate but generally good.
2️⃣ South Carolina (SC)
Local programs strong, statewide fluctuates.
3️⃣ Tennessee (TN)
Funding on/off but still active in 2025.
4️⃣ Virginia (VA)
Local grants add strong support.
5️⃣ Washington State (WA)
Assistance available but limited per round.
6️⃣ Maryland (MD)
City-level programs stay active.
7️⃣ Oregon (OR)
Programs exist, but funding drains fast.
8️⃣ New Jersey (NJ)
Moderate programs, some city support.
9️⃣ Minnesota (MN)
Active but income limits are tighter.
🔟 Nevada (NV)
Programs open, but they refill irregularly.
🔴 LOW-TIER: Limited or Fast-Depleting Funding (Rank 21–30)
These states HAVE programs — but they run out QUICK.
21–30
Missouri
Indiana
Kentucky
Alabama
Louisiana
Oklahoma
New Mexico
Rhode Island
Wisconsin
Montana
These typically require constant checking because funding opens and closes with little notice.
⚠️ BOTTOM-TIER: Rare Funding or No Active Grants (Rank 31–50)
These states either:
– paused funding
– require lender-specific assistance
– or only offer forgivable loans (not grants)
31–50
Arkansas
Wyoming
North Dakota
South Dakota
Iowa
Nebraska
Kansas
Vermont
New Hampshire
Maine
Connecticut
West Virginia
Delaware
Hawaii
Alaska
Mississippi
Idaho
Utah
Massachusetts
New York
Programs exist, but not consistently, and some require repayment.
⭐ Coach Moore Real-Talk Reminder
Down payment assistance is like Black Friday for homebuyers:
If you don’t know WHERE to look,
you’ll swear everything is sold out.
But when you’re plugged into Legacy Energy….
You stay tapped in. 💙💛
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