First-Time Homeowner Grants Still Available in 2025
As a first-time homeowner, you may be eligible for grants and programs that can help with down payments, closing costs, and other expenses. These programs can be a significant help in achieving homeownership, but it's essential to understand the requirements and limitations. With the right guidance, you can navigate the process and find the best options for your situation. HomeLeafs is not a lender and does not earn any money from your borrowing decisions.
Based on federal consumer protection law and HUD/CFPB public guidance · Last reviewed July 2026
The Direct Answer
Yes, there are still first-time homeowner grants available in 2025. These grants can provide financial assistance with down payments, closing costs, and other expenses associated with purchasing a home. Some popular options include the HUD Good Neighbor Next Door program, which offers a 50% discount on the list price of a home in exchange for a commitment to live in the home for at least 36 months.
Additionally, many states and local governments offer their own grant programs for first-time homebuyers. For example, the Homeowner Assistance Fund (HAF) provides financial assistance to homeowners who are struggling to pay their mortgage due to COVID-19. To be eligible, you'll typically need to meet income and credit score requirements, which vary by program.
Do not pay any fees to apply for government grants, as these programs are free to apply for and any fees are likely scams.
HUD Good Neighbor Next Door Program
Eligibility Requirements
The HUD Good Neighbor Next Door program is available to law enforcement officers, teachers, firefighters, and emergency medical technicians. To be eligible, you'll need to meet the program's income limits, which vary by location, and agree to live in the home for at least 36 months.
How to Apply
You can apply for the program through the HUD website, and you'll need to provide documentation of your employment and income. The program offers a 50% discount on the list price of a home, which can be a significant savings.
Homeowner Assistance Fund (HAF)
Program Details
The HAF program provides financial assistance to homeowners who are struggling to pay their mortgage due to COVID-19. The program offers assistance with mortgage payments, property taxes, and insurance, and can also help with home repairs and maintenance.
How to Apply
You can apply for the program through your state's housing finance agency, and you'll need to provide documentation of your income and expenses.
State and Local Grant Programs
Program Options
Many states and local governments offer their own grant programs for first-time homebuyers. These programs can provide financial assistance with down payments, closing costs, and other expenses associated with purchasing a home.
How to Find Programs
You can search for programs in your area through your state's housing finance agency or local government website. You can also contact a HUD-approved housing counselor for guidance on finding and applying for these programs.
Find First-Time Homeowner Grants
Start by researching programs in your area and reviewing the eligibility requirements. You can also contact a HUD-approved housing counselor for guidance on finding and applying for first-time homeowner grants.
What is the income limit for the HUD Good Neighbor Next Door program?
The income limit for the HUD Good Neighbor Next Door program varies by location, but it is generally limited to households with incomes that do not exceed 50% of the area median income. You can check the income limits for your area on the HUD website.
Can I use the Homeowner Assistance Fund (HAF) to pay for home repairs?
Yes, the HAF program can provide assistance with home repairs and maintenance, in addition to mortgage payments, property taxes, and insurance. You can apply for the program through your state's housing finance agency and provide documentation of your income and expenses.
Do I need to be a first-time homebuyer to be eligible for government grants?
Not always, but many government grant programs are limited to first-time homebuyers. However, some programs, such as the HUD Good Neighbor Next Door program, are available to anyone who meets the eligibility requirements, regardless of whether they have previously owned a home.
How do I apply for a government grant for homeownership?
You can apply for government grants for homeownership through the relevant agency's website or by contacting a HUD-approved housing counselor. You'll typically need to provide documentation of your income, employment, and credit score, and meet the program's eligibility requirements.