Grants for first time home buyers

Down payment assistance is secured by a 10-year second mortgage and paired with a 30-year first mortgage.

Delivered through nonprofit intermediaries. The linked manual describes conditional forgiveness for the first $10,000 over five years; assistance above that amount is repayable on sale, transfer or default.

The agency’s 2026 lender notice says this assistance is non-forgivable and the entire balance is due on sale or refinancing.

A second mortgage with a 10-year term, used with an ADFA StartSmart or Move-Up first mortgage.

A deferred-payment junior loan for down payment or closing costs; the amount depends on the first mortgage.

The agency states that no repayment is required. A separate second mortgage option has deferred repayment.

No monthly payments; 10% of principal is forgiven each year through the tenth anniversary, subject to program terms.

Payment is deferred until refinancing, sale, title transfer, or the property stops being the primary residence.

A 0% loan due after 30 years or earlier on transfer or sale, refinancing, or when the home stops being the primary residence.

Not forgivable. Repayment becomes due on sale, transfer, refinancing, first-mortgage payoff, or when occupancy ends.

A 0% second mortgage with no monthly payments, due on sale, refinancing, or when the home is no longer the primary residence.

The agency’s real-estate-agent guide describes a second mortgage with 1% simple interest and no monthly payments, due on maturity, sale, refinancing or title transfer.

The agency describes a second mortgage repaid monthly alongside the primary mortgage.

Forgiven after ten years of living in the home; selling earlier requires repayment of a portion.

The September 2026 program guide describes this assistance as a non-forgivable second mortgage. Confirm its repayment triggers with the lender.

The grant option is separate from the agency’s repayable 2nd Loan option; borrowers choose one.

Assistance is a forgivable soft second mortgage; continued occupancy is required for forgiveness.

Assistance is repaid over 15 years as a secondary loan payment.

A 0% second mortgage that can be fully forgiven after 60 months if program requirements are met.

A down payment and closing cost grant with the standard First Home Loan; approved homebuyer education is required.

A zero-interest second lien with no payments during the first mortgage; due when that mortgage ends, including sale or refinancing.

Interest-free second mortgage; full repayment is due on sale, refinance, or payoff of the first mortgage. Other options require monthly payments.

No monthly payments; repayment is deferred until events such as first-mortgage payoff, sale, refinance or the end of owner occupancy.

An interest-free balloon loan repaid at the mortgage term’s end or an earlier sale, move, payoff or qualifying refinance.

A 0% second mortgage due on sale, refinancing, loss of owner occupancy, or payoff of the first mortgage. The agency’s URL still says Smart6.

A second loan forgiven after ten years if the borrower stays in the home and keeps the original mortgage; forgiveness begins after year five.

A 15-year amortizing loan with monthly payments, paired with an eligible Board of Housing mortgage.

The assistance is a second mortgage with a 10-year term and 1% interest.

The agency describes interest-free assistance with a 30-year, non-forgivable term. Confirm the payment schedule with a participating lender.

Interest-free assistance must be repaid in full on first-mortgage payoff, sale, refinance, bankruptcy or when the property stops being the primary residence.

An interest-free second loan with no monthly payments and a five-year forgiveness term.

A fixed-rate second mortgage that must be combined with the FirstHome first mortgage.

The agency FAQ describes monthly forgiveness of 1/120 of the assistance and possible recapture on early sale or refinancing.

Forgiven by 20% each year at the end of years 11–15; earlier sale, refinance or transfer triggers repayment.

The agency describes a credit toward the buyer’s cash requirement, included with an eligible mortgage. It does not label this benefit a standalone grant.

The agency FAQ describes a seven-year forgiveness term, with repayment if the home is sold earlier. Confirm the terms of the selected product.

The agency records a silent second lien and requires repayment on the events listed in its FAQ.

This second lien has no payments or interest. Flex Lending also has a separate amortizing loan option.

A second mortgage forgiven by 10% annually over ten years.

The agency calls this a grant: no repayment is required if the buyer keeps the home as a primary residence for five years. First-generation and location rules apply.

The agency’s 2025–2026 program matrix lists a forgivable second mortgage with a 10-year term.

Assistance is a 0% second mortgage with no monthly payments. Confirm payoff terms with a participating lender.

No program terms are recorded here. Use the official agency page to check its current assistance options.

No required monthly payments; forgiven at 36 months. Earlier sale, refinance, transfer or first-mortgage payoff requires repayment.

A 30-year second mortgage with monthly payments; its fixed interest rate is one percentage point above the first mortgage’s rate.

A 0% deferred loan with no monthly payments; separate state-funded first-generation grants have different terms.

The agency offers a down payment grant for qualified first-time homebuyers. Check its loan and grant requirements.

Clark County only. Paired with a WSHFC first mortgage; 2% simple interest, due on sale, transfer, refinance, end of occupancy or after 30 years.

The agency’s November 2025 presentation confirms down payment and closing cost assistance with a WVHDF first mortgage for an owner-occupied home. Confirm the repayment schedule directly with WVHDF.

A fixed-rate second mortgage with monthly payments over ten years.

No monthly payments; the loan is due on sale, refinance, or its 30-year maturity.