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The State of Down Payment Assistance in 2026

The data buyers, agents and lenders keep asking for — programs, amounts, and how far they go. Free to cite.

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Key figure: As of Q1 2026 there are 2,679 down payment assistance programs in the United States, and 77% are active and funded (source: Down Payment Resource, Q1 2026 program count). They range from outright grants to deferred, forgivable second loans — most cover part or all of the 3% conventional (or 3.5% FHA) minimum down payment.

State-by-state directory (verified set)

Each program below is checked against its official state housing finance agency. This directory expands as more states are verified.

StateFlagship programTypeTypical amountOfficial
CaliforniaCalHFA MyHome Assistance ProgramDeferred-payment junior loanabout 3% of the loan amountsource
TexasTSAHC Down Payment Assistance GrantsGrant (non-repayable)about 4% of the loan amountsource
New YorkHPD HomeFirst Down Payment AssistanceForgivable loanup to $100,000source
New JerseyNJHMFA Down Payment Assistance ProgramSecond loanup to $15,000source
IllinoisIHDA Access MortgageSecond loanup to $10,000source
OklahomaOHFA Homebuyer Down Payment AssistanceSecondary loanabout 3.5% of the loan amountsource
FloridaFlorida Housing Finance Corporation AssistanceSecond mortgageup to $10,000source
OhioOHFA Down Payment AssistanceForgivable 0% loan (7-yr)about 3.5% of the loan amountsource
PennsylvaniaPHFA HOMEstead Downpayment & Closing Cost AssistanceDeferred, forgivable loanup to $10,000source
GeorgiaGeorgia DCA Down Payment AssistanceSecond mortgageup to $7,500source
North CarolinaNC Housing Finance Agency DPADeferred second mortgageup to $8,000source

How affordability is calculated

Affordability uses the FHA front-end (31% of gross monthly income) and back-end (43% including debts) DTI guidelines, solved against a 30-year amortization, with property tax and insurance estimated at national averages (1.1% / 0.35%). Assistance is applied against a 3% minimum down payment. Try it with your own numbers in the calculator.

Cite this

"As of Q1 2026 there are 2,679 down payment assistance programs in the U.S., 77% active and funded (Down Payment Resource). Source: DPA Estimator, The State of Down Payment Assistance 2026 — https://dpaestimator.com/state-of-down-payment-assistance-2026/"