Research & Eligibility: Use tools like the Down Payment Resource to explore programs in your area. Eligibility usually depends on income, credit score, and the cost of the home you’re eyeing.

Apply for Assistance: Once you find the right program, either connect with a lender to get pre-approved or share your findings with your current loan officer. Prepare to submit financial documents like pay stubs and bank statements.

Homebuyer Education: Many programs require you to complete a homebuyer education course. Whether online or in-person, this course will teach you the ins and outs of the buying process and your responsibilities as a homeowner.

Approval & Assistance: Once approved, you’ll receive a confirmation detailing the assistance you’re eligible for, which could be a grant, forgivable loan, low-interest loan, or tax credit, depending on the program.

Home Purchase: Some programs require you to have a home in mind before applying. Partner closely with your lender and real estate agent to keep the transaction smooth and timely.

Comply with Requirements: To maintain eligibility, you must follow the program’s rules—like occupying the home as your primary residence for a set period.