Local Home Buying Programs May 2026

Some states offer certificates that provide a dollar-for-dollar reduction on federal tax liability for first-time buyers and veterans.

Programs like the USDA Single Family Housing Direct Loans help low-income families in rural areas purchase homes with no money down .

The Housing Choice Voucher (HCV) homeownership program allows eligible families to use monthly voucher subsidies toward a mortgage instead of rent. Down Payment Resource: Down Payment Assistance

These make up 75% of all available programs. Assistance can range significantly; for example, programs like Welcome Home in Minnesota offer up to 30% of the purchase price (capped at $50,000) as a forgivable loan.