Explore alternatives before borrowing

CDBG Home Repair

Providence, Rhode Island; confirm the exact property jurisdiction.

Deferred-payment assistance for eligible owner-occupied emergency repairs. Ask how the emergency classification affects the application route.

Published status: Waitlist. Emergency repairs receive priority; the published page notes a non-emergency waiting list.

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Down Payment Assistance

Worcester, Massachusetts; confirm the exact property jurisdiction.

The published program overview calls for application at least 45 days before closing, homebuyer education and an eligible city property. Align the application and contract schedule before relying on assistance.

Published status: Confirm intake. Confirm the current application window with the city.

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HouseHartford

Hartford, Connecticut; confirm the exact property jurisdiction.

The city describes assistance for eligible one-to-four-family homes and condos. A participating lender submits the application; a mortgage preapproval alone does not reserve city funds.

Published status: Confirm intake. Confirm funding and submission timing through a participating lender.

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Bethlehem Homebuyer Assistance Program

Bethlehem, Pennsylvania; confirm the exact property jurisdiction.

BHAP describes deferred financing, counseling and participating lenders, with gradual forgiveness over ten years. Ask for the actual note and early-sale repayment calculation.

Published status: Confirm intake. Ask the administrator about the current allocation and reservation process.

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First Start Homebuyer Program

Wilmington, Delaware; confirm the exact property jurisdiction.

A lender or counselor submits the application. Published instructions distinguish eligible closing expenses from already prepaid fees; retain the complete submission and an itemized settlement worksheet.

Published status: Confirm intake. Confirm current awards and submission requirements.

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SHRA CalHome Homebuyer Assistance

Sacramento, California; confirm the exact property jurisdiction.

SHRA identifies eligible areas, an address map and approved lenders. CalHome and PLHA are separate pathways; ask which program and geographic rules apply to the property.

Published status: Confirm intake. Use SHRA’s weekly funding update before relying on an available allocation.

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Mobile Home Repair Program

Fresno, California; confirm the exact property jurisdiction.

Fresno lists separate mobile-home repair and replacement pathways. Verify the home’s age, park location and city jurisdiction before deciding which scope to finance.

Published status: Confirm intake. Confirm the active repair application route and property rules.

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Down Payment Assistance

Tacoma, Washington; confirm the exact property jurisdiction.

The published structure is a zero-interest deferred loan secured by a deed of trust. Ask about future sale proceeds and repayment triggers before comparing it with a grant.

Published status: Intake closed. The checked city page says funding is committed and applications are no longer accepted. Confirm any later reopening directly.

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Home Repair Program

Eugene, Oregon; confirm the exact property jurisdiction.

Eugene distinguishes roof-only projects from other repair work and describes different treatment for manufactured and stick-frame homes. Confirm current scope rules before commissioning work.

Published status: Intake closed. The checked page says funding is fully allocated and applications are closed.

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Nevada Home Is Possible

Nevada; address and product eligibility require lender confirmation.

This state program has different product routes and education requirements. Request the first mortgage and assistance terms together, including the second-loan structure and any repayment events.

Published status: Confirm intake. Reno refers buyers to Nevada Housing Division; confirm the current product through an approved lender.

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Repair-A-Home

Cleveland, Ohio; confirm the exact property jurisdiction.

City staff determine eligible code-compliance work through an inspection. Ask about partner support and the outstanding repayment obligation before arranging temporary repair financing.

Published status: Intake paused. The city’s universal home-repair intake is paused; new applicants are directed to 311 for partner options.

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Housing Rehabilitation Program

Grand Rapids, Michigan; confirm the exact property jurisdiction.

The researched local rehabilitation pathway uses a matching-loan structure with conditional forgiveness. Separate the homeowner contribution, financed balance and ongoing occupancy obligations in the budget.

Published status: Confirm intake. Verify the current application route and forgiveness conditions with the administrator.

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Home-Buy the American Dream

Madison, Wisconsin; confirm the exact property jurisdiction.

HBAD adds an assistance review to the first-mortgage process. Build the required inspection and document approvals into the closing schedule rather than treating education completion as an award.

Published status: Confirm intake. Confirm current funding, inspection requirements and reservation deadlines.

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Invest DSM Homeowner Renovation Program

Designated Special Investment Districts in Des Moines, Iowa; verify the specific address.

Invest DSM describes neighborhood-based improvement assistance using reimbursement. Plan the peak amount paid before reimbursement and ask which approvals are required before a project begins.

Published status: Confirm intake. Verify the applicable program, district and award before starting work.

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Citywide Downpayment Assistance

Saint Paul, Minnesota; confirm the exact property jurisdiction.

The city cautions buyers about shopping before a Reservation Letter. Keep an assistance reservation separate from mortgage approval and from a household’s cash available for an offer.

Published status: Intake closed. The checked city page says the program is at capacity. Obtain current status directly before planning a purchase.

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Homebuyer Assistance Program

Fort Worth, Texas; confirm the exact property jurisdiction.

HAP uses city-approved lenders and identifies buyer reserves and city-limit requirements. Obtain the applicable agreement’s occupancy and forgiveness period in writing before relying on a headline summary.

Published status: Confirm intake. Published occupancy wording needs reconciliation for the specific proposed award.

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HIP 120

San Antonio, Texas; confirm the exact property jurisdiction.

Published terms distinguish a perpetual portion from a portion forgiven over time. A lack of monthly payments does not mean the full balance disappears; request a future sale illustration.

Published status: Confirm intake. Confirm the current application cycle; a dated fiscal-year closure is not proof of reopening.

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Homebuyer Assistance

Oklahoma City, Oklahoma; confirm the exact property jurisdiction.

The city describes program boundaries and need-based assistance. Ask which administering partner handles the address and how any rate-buydown component affects the first mortgage.

Published status: Confirm intake. Verify the property against the program map and contact the named application partners.

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Residential Rehabilitation Program

Tulsa, Oklahoma; confirm the exact property jurisdiction.

Tulsa distinguishes emergency repair grants from rehabilitation loans. Confirm the correct pathway, property restrictions and forgiveness conditions before treating either as a replacement for private credit.

Published status: Intake closed. The checked rehabilitation page says the waiting list is full. This status does not describe every emergency-repair channel.

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Down Payment Assistance

Little Rock, Arkansas; confirm the exact property jurisdiction.

The city publishes different standard and disaster-recovery assistance routes. Ask which funding source and agreement apply; do not assume the two programs can be combined.

Published status: Confirm intake. Confirm the standard program separately from any disaster-recovery allocation.

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Home Repair Assistance

Wichita, Kansas; confirm the exact property jurisdiction.

The published structure combines a conditionally forgivable amount with additional nonforgivable deferred assistance. Request a ledger showing what remains due after the forgiveness period.

Published status: Waitlist. The city describes an annual prioritized waiting-list process; confirm reapplication instructions.

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Traditional / Enhanced Homebuyer Assistance

Raleigh, North Carolina; confirm the exact property jurisdiction.

Raleigh distinguishes citywide assistance from Enhanced targeted-area assistance. Enhanced purchases carry a resale restriction. Check the address and future exit terms alongside cash required at closing.

Published status: Confirm intake. Confirm the property, current allocation and written program terms with an approved lender.

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Healthy Homes

Richmond, Virginia; confirm the exact property jurisdiction.

Richmond describes essential safety, accessibility and efficiency repairs for eligible city homeowners. Check inspection and approval timing before using cash-out refinancing for the same proposed work.

Published status: Confirm intake. Confirm current intake, eligible work and the responsible administrator.

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DreamMaker Home Purchase Assistance

Savannah, Georgia; confirm the exact property jurisdiction.

The city requires property review and describes seller repairs that must be completed and confirmed before the assistance commitment. Include those milestones in the purchase schedule.

Published status: Confirm intake. Confirm funding and the current commitment-letter process before relying on assistance.

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BALANCE

National HUD listing; confirm service for your ZIP code.

Ask whether the agency can help with your specific housing question, which office handles your ZIP code and what preparation is needed for an appointment.

Published status: Listed by HUD. Appointment availability, geographic coverage, services and fees must be confirmed with the agency.

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Credit.org

National HUD listing; confirm service for your ZIP code.

Ask whether the agency can help with your specific housing question, which office handles your ZIP code and what preparation is needed for an appointment.

Published status: Listed by HUD. Appointment availability, geographic coverage, services and fees must be confirmed with the agency.

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Navicore Solutions

National HUD listing; confirm service for your ZIP code.

Ask whether the agency can help with your specific housing question, which office handles your ZIP code and what preparation is needed for an appointment.

Published status: Listed by HUD. Appointment availability, geographic coverage, services and fees must be confirmed with the agency.

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GreenPath, Inc.

National HUD listing; confirm service for your ZIP code.

Ask whether the agency can help with your specific housing question, which office handles your ZIP code and what preparation is needed for an appointment.

Published status: Listed by HUD. Appointment availability, geographic coverage, services and fees must be confirmed with the agency.

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HomeFree-USA

National HUD listing; confirm service for your ZIP code.

Ask whether the agency can help with your specific housing question, which office handles your ZIP code and what preparation is needed for an appointment.

Published status: Listed by HUD. Appointment availability, geographic coverage, services and fees must be confirmed with the agency.

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Housing Options Provided for the Elderly (HOPE)

National HUD listing; confirm service for your ZIP code.

Ask whether the agency can help with your specific housing question, which office handles your ZIP code and what preparation is needed for an appointment.

Published status: Listed by HUD. Appointment availability, geographic coverage, services and fees must be confirmed with the agency.

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Mon Valley Initiative

National HUD listing; confirm service for your ZIP code.

Ask whether the agency can help with your specific housing question, which office handles your ZIP code and what preparation is needed for an appointment.

Published status: Listed by HUD. Appointment availability, geographic coverage, services and fees must be confirmed with the agency.

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Money Management International

National HUD listing; confirm service for your ZIP code.

Ask whether the agency can help with your specific housing question, which office handles your ZIP code and what preparation is needed for an appointment.

Published status: Listed by HUD. Appointment availability, geographic coverage, services and fees must be confirmed with the agency.

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NAREB Investment Division (NID Housing)

National HUD listing; confirm service for your ZIP code.

Ask whether the agency can help with your specific housing question, which office handles your ZIP code and what preparation is needed for an appointment.

Published status: Listed by HUD. Appointment availability, geographic coverage, services and fees must be confirmed with the agency.

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Nueva Esperanza Inc

National HUD listing; confirm service for your ZIP code.

Ask whether the agency can help with your specific housing question, which office handles your ZIP code and what preparation is needed for an appointment.

Published status: Listed by HUD. Appointment availability, geographic coverage, services and fees must be confirmed with the agency.

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Rural Community Assistance Corporation

National HUD listing; confirm service for your ZIP code.

Ask whether the agency can help with your specific housing question, which office handles your ZIP code and what preparation is needed for an appointment.

Published status: Listed by HUD. Appointment availability, geographic coverage, services and fees must be confirmed with the agency.

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Telamon Corporation

National HUD listing; confirm service for your ZIP code.

Ask whether the agency can help with your specific housing question, which office handles your ZIP code and what preparation is needed for an appointment.

Published status: Listed by HUD. Appointment availability, geographic coverage, services and fees must be confirmed with the agency.

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West Tennessee Legal Services

National HUD listing; confirm service for your ZIP code.

Ask whether the agency can help with your specific housing question, which office handles your ZIP code and what preparation is needed for an appointment.

Published status: Listed by HUD. Appointment availability, geographic coverage, services and fees must be confirmed with the agency.

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Credit-union small-dollar alternatives

The NCUA explains payday alternative loans and other credit-union options. A listed credit union does not necessarily offer a particular product. Ask about membership, current availability, total cost and repayment.

Credit counseling questions

The CFPB explains how to find counseling and what to ask about services and fees. Confirm qualifications and written costs; nonprofit status does not mean every service is free.

Ask about the bill before borrowing

The CFPB discusses alternatives including talking to the creditor about the amount or timing owed. Ask what any arrangement changes, what it costs and how to get its terms in writing.