2026 Down Payment Assistance Guide

for First Time Home Buyers

One of the biggest misconceptions among first-time buyers is that they need a 20% down payment to purchase a home.

In reality, many qualified buyers purchase homes with significantly less—and some are eligible for thousands of dollars in assistance for down payment and closing costs through local, state, and lender-sponsored programs.

Depending on your income, the property you're purchasing, and the financing you qualify for, you may be eligible for assistance that substantially reduces the amount of cash needed at closing.

Grab my free 2026 Down Payment Assistance Guide to learn more about your options.