Housing assistance and homebuyer help

Who this helps

• First time homebuyers who need help with a down payment or closing costs
• Homeowners facing repairs they cannot afford
• Renters looking for assistance in their area
• Anyone behind on a mortgage who needs free advice quickly

Counseling is advice, not a check

An approved counseling agency will review your income, credit, and goals and tell you what you realistically qualify for. Many also run the homebuyer education class that down payment programs require.

We label these listings clearly as a counseling service rather than a cash award, because they are two different things and mixing them up wastes your time.

What to have ready

• Recent pay stubs or proof of income
• A rough idea of your monthly bills and debts
• Your credit situation, even if it is not good
• The county and state where you want to live

What you get here

• Open housing and homebuyer assistance programs you can apply for
• Approved counseling agencies with a phone number, email, or website
• Search by city, county, and state
• Free access to all of it

Common questions

Does housing counseling cost money?

Approved agencies are free or low cost. Ask about any fee before you start.

Can I get money for a down payment?

Many state and local programs offer down payment and closing cost help, usually with income limits and a required class. Search the housing topics to see what is open.

Do you handle the application?

No. You apply or call directly, and the program or agency decides.