I have a home in mind See what I can comfortably afford
Estimated monthly housing payment
$2,532a month
Principal and interest $1,982
Property tax $271
Homeowner’s insurance $150
Mortgage insurance $129 Estimated cash needed to buy
$26,000
See the cash breakdown
Down payment $16,250
Estimated closing costs (3%) $9,750 Assumptions: 30-year loan · 6.65% rate · 5.0% down · taxes and insurance are starting estimates.
Taxes, insurance, mortgage insurance, and HOA Property-tax rate % a year Homeowners insurance $ a year HOA or condo fee $ a month
Mortgage insurance is included automatically when the down payment is under 20%.
See how a program could help Compare one program here without losing your calculator entries. This is a what-if estimate, not an eligibility decision.
Add a program to compare Without help / With help Add a program to see its potential effect.
Estimated purchase costs with and without your selected program Your estimate Without help With help Down payment $16,250 — Estimated closing costs and fees $9,750 — Less assistance toward purchase costs $0 — Cash needed to buy $26,000 — Monthly housing payment (mortgage, taxes, insurance and HOA) $2,532 — Additional monthly program-loan payment $0 — Total monthly payment $2,532 — Savings remaining $0 — More cash needed $8,000 —
Down payment + closing costs and fees − assistance = cash needed to buy. Closing costs are a combined estimate, not an itemized lender quote. Assistance helps pay these costs; it does not itself reduce the required down payment.
The program-loan payment is separate from your mortgage. $0 in this example does not mean nothing is owed: a deferred loan may require repayment later. Confirm the repayment terms below.
Find a program by name or area Program to compareChoose a program APG Federal Credit Union Homeownership Assistance Program Aetna — NINA Homeownership Incentive Program Affinity HomeAdvantage Cash Rewards AgFed ARM Closing Cost Special Albemarle County Homebuyer Assistance Program (ACHAP) Alexandria Employee Homeownership Incentive Program American Eagle First-Time Buyer $1,000 Closing-Cost Credit Andrews Federal FHLB First-Time Homebuyer Grant Annapolis MPDU Settlement Expense Assistance Program Anne Arundel County Mortgage Assistance Program (MAP) Arlington County Moderate-Income Purchase Assistance Program (MIPAP) Arlington Moderate-Income Purchase Assistance Program (MIPAP) Ascend Bank Aspire Homebuyer Mortgage Atlantic Union Bank Closing the Gap Loan Baltimore City CLT Buyer's Choice Program Baltimore City Direct Homeownership Assistance Program Baltimore City Employee Homeownership Program Baltimore County Settlement Expense Loan Program (SELP) Baltimore First-Time Homebuyers Incentive Program Baltimore Live Near Your Work Baltimore Vacants to Value Booster Bank of America America's Home Grant Bank of America Down Payment Grant Beeline Price Pact and Free-Refi Benefits Better Real Estate Purchase Loan Lender Credit Bowie First Mortgage Assistance Program Bridgeport First-Time Homebuyer Down Payment and Closing Cost Assistance Buy Back the Block Buying Into Baltimore CHAI Homebuyer Assistance Loan CHAI Homebuyer Incentive Grant CHFA Downpayment Assistance Program (DAP) Loan CHFA Next Move with Deferred DPA Program CHFA Time To Own Forgivable Down Payment Assistance Call Chesapeake HOME Program Calvert County House Keys for Employees Program Cecil County First-Time Homebuyer Transfer Fee Exemption Central Baltimore BRNI Boost Homebuying Incentive Central Baltimore Homebuying Incentive Program Central Shenandoah Regional First-Time Homebuyer Down Payment Assistance Charles County First-Time Homebuyer Settlement Expense Loan Program (SELP) Charles County House Keys 4 Employees Charles County Public Schools House Keys for Employees Charter Oak Gold Rewards $100 Mortgage Closing-Cost Credit Chase Homebuyer Grant Chelsea Groton Community Heroes Homeownership Program Chenoa Fund Down Payment Assistance Chesterfield County Down Payment and Closing Cost Assistance Choose Cumberland Relocation Package City of Alexandria Flexible Homeownership Assistance Program City of College Park New Neighbors Homeownership Grant Program City of Frederick House Keys for Employees City of Frederick Sold on Frederick City of Gaithersburg Downpayment Assistance Program (DPA) City of Hartford Employee Homebuyer Assistance Program (EHAP) City of Laurel Homebuyer Assistance Program City of Richmond Down Payment and Closing Cost Assistance City of Takoma Park - The Home Stretch Clover Capital Community Hero’s Compassion Program Come HOME to Portsmouth Down Payment and Closing Cost Program Community Partners Product Connecticut Children's — SINA Homeownership Incentive Program (HIP) Connex First-Time Homebuyer and Learning Closing Credits Coppin State Live Near Your Work CrossCountry Mortgage CCM ZeroDown DC Historic Homeowner Grant Program DC Home Purchase Assistance Program (HPAP) DC Open Doors DC4ME Government Employee Mortgage DCHFA DC4ME VA Loan Product Dundalk Renaissance Home Buyer Grant Eastern Shawnee First Time Homeowners Assistance Program Eastern Shawnee Tribe of Oklahoma (ESTO) Down Payment Assistance Program Easton Home Purchase Assistance Program Educational Systems FCU $2,500 Mortgage Closing-Cost Credit — 2026 Educational Systems FCU HomeAdvantage Cash Reward Employer-Assisted Housing Program (EAHP) Enfield First-Time Homebuyer Program FHLBank Atlanta 2026 Homeownership Set-Aside Grants FHLBank Boston Equity Builder Program (EBP) FHLBank Boston Housing Our Workforce (HOW) FHLBank Boston Lift Up Homeownership Grant Fairfax County Down Payment Loan Fairfield County Bank $650 Closing Cost Credit Fairfield First-Time Homebuyer Assistance Program Fairway Homeward Edge Fannie Mae HomePath Ready Buyer Fannie Mae HomeReady Mortgage Fifth Third Down Payment Assistance Program First County Bank First Time Home Buyers Program First Front Door Grant through Fulton Bank Flyhomes Instant Equity Sell-Side Bridge Loan Frederick County Homebuyer Assistance Program Frederick County House Keys 4 Employees Fredericksburg Direct Homeownership Assistance Program Freedom FCU $500 Home Loan Processing Fee Credit Freedom FCU Community Partners Affordable Housing Grant Freedom FCU First-Time Homebuyer Affordable Housing Grant Fulton Bank Closing Cost Assistance Program Fulton Bank Closing Cost Assistance Program Secured Garrett County Pathway to Homeownership Greater Baybrook Alliance Homebuyers Assistance Program Guild 1% Down Payment Advantage Guild MyPath2Own HDF CT Forever Home Loan HDF Live Where You Work CT HIP Subordinate Deed of Trust HOC MPP 3% Purchase Assistance HOC Montgomery County Homeownership Assistance Fund (McHAF) HOC Mortgage Purchase Program (Montgomery County) HOC Revolving Closing Cost Assistance Program (RCCAP) “5 for 5” Hagerstown Home Store City Down Payment Assistance Hagerstown Home Store Washington County Down Payment Assistance Hagerstown Homeownership Initiative (HHI) Hamden CDBG Homebuyer Assistance Grant Program Harford County Settlement Expense Loan Program (SELP) Hartford Hospital — SINA Homeownership Incentive Program (HIP) Healthy Neighborhoods Matching Grant Henrico County Down Payment and Closing Cost Assistance Henrico County Employee Home Purchase Assistance Program HomeAdvantage DC HomeFundIt Down Payment Gifting and Closing Cost Grant HomeLight Buy Before You Sell HomeOwnership Matters Down Payment and Closing Cost Program Homes by CFE Down Payment Assistance Loan Homeward Norfolk Down Payment and Closing Cost Assistance HouseHartford Homebuyer Assistance Program Howard County Settlement/Downpayment Loan Program (SDLP) Ives Bank Bank at Work $500 Mortgage Closing-Cost Credit Johns Hopkins Medicine Live Near Your Work Johns Hopkins University Live Near Your Work (LNYW) Kennedy Krieger Live Near Your Work Landed Down Payment Program (Paused for New Homebuyers) Langley HomeNow Community Partners Grant Langley HomeNow First Time Home Buyer Grant Lawrence + Memorial Hospital HOME Program Liberty Bank Good Neighbor and Good Neighbor PLUS Mortgages LifeBridge Health Live Near Your Work Program Live+Work College Park Loudoun County DPCC Plus Program Loudoun County DPCC Plus Program Loudoun County Down Payment / Closing Cost Assistance Program (DPCC) Loudoun County Public Employee Homeownership Grant Program (PEG) Loudoun County Public Employee Homeownership Grant Program (PEG) Louisa County Down Payment Assistance Fund Lower Free Refi for Life Loyola University Maryland Live Near Your Work Lyn-CAG First-Time Homebuyer Down Payment Assistance MMP 1st Time Advantage (incl. 6000, 3%, 4%, 5% DPA) MMP Flex Loans MMP HomeAbility MMP Montgomery County Specialty Products MMP-UPLIFT Make Isle of Wight HOME Program Maryland First-Time Homebuyer State Transfer-Tax Reduction Maryland Mortgage Program Builder/Developer Incentive Program (BDIP) Maryland Mortgage Program Community Partner Incentive Program (CPIP) Maryland Mortgage Program HomeStart 6% DPA Loan Maryland Mortgage Program Partner Match Maryland SmartBuy 3.0 Maryland State Employee Homebuyer Offers Middletown Down Payment Assistance Program Monacan Indian Nation Down Payment Assistance Program Montgomery Employee Down Payment Assistance Loan (MEDPAL) Montgomery Homeownership Program (MHP) Movement Boost NHS BRNI Down Payment Assistance NHS Project Reinvest Down Payment Assistance National Homebuyers Fund Down Payment Assistance Negotiated Employee Affordable Home Purchase Program (NEAHP) New American Funding Pathway to Homeownership New Britain Homeowner Assistance Program (HOP) New Haven Down Payment and Closing Cost Assistance Loan Program Newport News First-Time Homebuyer Assistance Program Norfolk HOME Program Down Payment and Closing Cost Assistance Northeast Tennessee/Virginia HOME Consortium Down Payment Assistance Northwest Federal $750 Home Appraisal Credit PAHO/WHO FCU First-Time Home Buyer Mortgage PNC Community Loan PNC Home Loan Grant People Incorporated First-Time Homebuyer Loans Piedmont Housing Alliance Down Payment Assistance Program Piedmont Housing Alliance Down Payment Loan Program Prince George's County Critical Workforce Housing Assistance Program Prince George's County Homeownership Equity Program (HEP) Prince George's County Pathway to Purchase Prince William County First-Time Homebuyer Program (FTHB) Queen Anne's County Critical Workforce Mortgage Program (CWF) Queen Anne's County MPDU Second Mortgage Financing Program RBC U.S. Mortgage Welcome Home Program Rate OneDown Mortgage Reinvest Baltimore Down Payment Assistance Program Richmond Employee First-Time Homebuyer Assistance Program Rockville Homeownership Assistance Program (RHAP) Rockville R.E.A.C.H. Homebuyer Assistance Program SNHS Salisbury and Wicomico CDBG Homebuyer Grants SNHS Wicomico Downpayment and Closing Cost Loan SNHS Worcester and Somerset Closing Cost Loan Saint Francis Hospital — NINA Homeownership Incentive Program ShoreStart Affordable Mortgage Program SmartMove Connecticut Snoqualmie Indian Tribe Down Payment Assistance Program Stamford HOME Down-Payment Assistance Program Suffolk HOME Down Payment and Closing Cost Assistance TAP Down Payment Assistance Program Thomaston Savings First-Time Homebuyer Programs Tomo Mortgage $0 Lender Fees Trinity College — SINA Homeownership Incentive Program (HIP) Truist Community Homeownership Incentive Program Trust Home Financial Hagerstown Homeownership Perks U.S. Bank American Dream Mortgage Union Savings Bank First Time Homebuyer's Mortgage Program United Way of Frederick County Pathway to Homeownership University of Maryland Baltimore Live Near Your Work VACU $500 Closing-Cost Promotion — 2026 VACU First-Time Home Grant VACU Welcome Home Discount Veritas Funding ONE+ Down Payment Assistance Virginia DHCD Homeownership Down Payment Assistance Virginia Housing Closing Cost Assistance Grant Virginia Housing Down Payment Assistance Grant Virginia Housing Plus Second Mortgage Virginia Pilot Down Payment Assistance Program Washington County House Keys 4 Employees Waterbury HOME Homebuyer Assistance Webster Bank HOPE Program Webster Bank You're Home Program Webster Supplemental Down Payment and Closing Cost Grant Wells Fargo Dream. Plan. Home. Closing Cost Credit Wells Fargo Homebuyer Access Grant West Haven First-Time Homebuyer Assistance Forgivable Loan You're HOME Hampton Roads
Estimates are for planning only—not a loan offer, approval, or financial advice. Your actual rate and property costs will differ. Starting rate: Freddie Mac’s 30-year national average of 6.65% on August 20, 2026. View the benchmark .
