Andy Lee

CHFA Time To Own is a Connecticut forgivable down payment assistance loan of up to $25,000 that pairs with a CHFA first mortgage to help first-time homebuyers cover the down payment and closing costs on a home purchase. The loan is forgiven at 10% per year over 10 years with no monthly payments required. Loan amount: Between $3,000 and $25,000 at 0% interest, covering up to 20% of the purchase price toward a down payment and up to 5% toward closing costs.

The Florida Hometown Heroes program provides up to $35,000 in down payment and closing cost assistance to first-time homebuyers in eligible workforce occupations—but the 2025 funding cycle is fully committed and not accepting new applications as of February 2026.

Texas down payment assistance is a collection of state, nonprofit, and city-run programs that provide grants or forgivable loans to help buyers cover their down payment and closing costs. Two state agencies, TDHCA and TSAHC, run statewide programs, while major cities like Houston, Dallas, Austin, and Fort Worth each operate their own funded programs.