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🗺️ 15 estados 💰 3 tipos 🔗 Official links

Guía DPA por Estado

15 estados. Programa + monto + tipo + requisitos + link. Aplicar es gratis.

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What you need to know about DPA

Dinero del estado. Cada estado tiene HFA. $3K-$50K+. Aplicación gratis + clase 6-8h.

Aplica ANTES de buscar casa. Fondos se agotan cada año.

Grant

Not repaid

Dinero gratis después de X años.

Forgivable

Se perdona con tiempo

Perdonado 5-10 años.

Loan

Second loan

Bajo interés. Pagas al vender.

California — CalHFA MyHome

California Housing Finance Agency

Loan (deferred)

Max amount

3.5%del precio

Max income

$235Kvaría condado

Casa máx

$1.2Mvaría condado

1st-time buyer

Yes

Notas: Deferred. Combinable con MyAccess (+3% closing). Uno de los más generosos.

calhfa.ca.gov →

Texas — TSAHC Home Sweet Texas

Texas State Affordable Housing Corporation

Grant

Max amount

5%of loan

Max income

$140Kvaría condado

Casa máx

$550K

1st-time buyer

Not required

Notas: Grant puro. Heroes = maestros/veteranos más generoso.

tsahc.org →

Florida — FL HFA Preferred + HFA Advantage

Florida Housing Finance Corporation

Forgivable + 2nd loan

Max amount

$10Ktypical

Max income

$110Kvaría condado

Casa máx

$500K

1st-time buyer

Yes

Notas: Perdonado 5 años. Salute Our Soldiers = veteranos.

floridahousing.org →

New York — SONYMA Achieving the Dream

State of New York Mortgage Agency

Forgivable

Max amount

$15K

Max income

$150Kvaría NYC

Casa máx

$700KNYC higher

1st-time buyer

Yes

Notas: Combinable con DPAL. NYC más alto. Aplica temprano.

hcr.ny.gov/sonyma →

Arizona — Home Plus

Arizona Industrial Development Authority

Grant

Max amount

5%of loan

Max income

$134K

Casa máx

$570K

1st-time buyer

Not required

Notas: Grant 5%. Uno de los más fáciles. Fondos limitados.

phoenixida.com/home-plus →

Illinois — IHDA Access Deferred/Repayable

Illinois Housing Development Authority

Forgivable + loan options

Max amount

$10K

Max income

$132K

Casa máx

$500K

1st-time buyer

Yes

Notas: 3 opciones flexibles. Deferred/Repayable/Grant.

ihda.org →

Georgia — Georgia Dream

Georgia Department of Community Affairs

Loan (0%)

Max amount

$10K

Max income

$102K

Casa máx

$375K

1st-time buyer

Yes

Notas: Loan 0%. PEN bonus $2.5K = policías/maestros/enfermeras.

dca.ga.gov →

North Carolina — NC Home Advantage

North Carolina Housing Finance Agency

Forgivable

Max amount

3%of loan

Max income

$126K

Casa máx

$450K

1st-time buyer

Not required

Notas: Perdona 100% al año 15. 1st Home + $15K extra.

nchfa.com →

Pennsylvania — PHFA Keystone Advantage

Pennsylvania Housing Finance Agency

Loan (0%)

Max amount

4%max $6K

Max income

$127K

Casa máx

$490K

1st-time buyer

Not required

Notas: 0% amortizado 10 años. Bonus en áreas específicas.

phfa.org →

Ohio — OHFA Down Payment Assistance

Ohio Housing Finance Agency

Forgivable

Max amount

5%of price

Max income

$140K

Casa máx

$450K

1st-time buyer

Yes

Notas: Perdonado 7 años. Grants for Grads +$2.5K.

ohiohome.org →

Colorado — CHFA Down Payment Grant

Colorado Housing and Finance Authority

Grant

Max amount

3%of loan

Max income

$149K

Casa máx

$625Kvaría

1st-time buyer

Not required

Notas: Grant puro. SmartStep +4% adicional. Muy generoso.

chfainfo.com →

Massachusetts — MassHousing Down Payment Assistance

MassHousing

Loan (0%)

Max amount

$30Khasta 10%

Max income

$165Kvaries Boston

Casa máx

$770K

1st-time buyer

Not required

Notas: Uno de los más altos. Boston +$25K adicional.

masshousing.com →

New Jersey — NJHMFA First-Time Homebuyer

NJ Housing and Mortgage Finance Agency

Forgivable

Max amount

$15K

Max income

$139K

Casa máx

$650K

1st-time buyer

Yes

Notas: Perdonado 5 años. Police & Firefighters extra generoso.

njhousing.gov →

Washington — WSHFC Home Advantage

Washington State Housing Finance Commission

Loan (0-4%)

Max amount

5%of loan

Max income

$180K

Casa máx

$750K

1st-time buyer

Not required

Notas: Combinable con Opportunity DPA (+3-4% grant).

wshfc.org →

Virginia — VHDA Down Payment Assistance Grant

Virginia Housing Development Authority

Grant

Max amount

2.5%of price

Max income

$110K

Casa máx

$500K

1st-time buyer

Yes

Notas: Grant + closing cost. Total 5% del precio.

virginiahousing.com →

¿Tu estado no está?

Los 50 estados tienen. Busca en Google, downpaymentresource.com, o hud.gov.

Ciudades/condados tienen extras. Busca «[ciudad] DPA».

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