💡 : Most government help is administered at the local level. Your first step should be contacting a HUD-approved housing counselor or a local lender who specializes in "first-time buyer" programs.

Many people can afford a monthly payment but struggle to save the initial lump sum. DPA programs bridge that gap through various methods: : Funds that do not have to be repaid.

: Teachers, firefighters, and police officers can get 50% off the list price of homes in "revitalization areas" via HUD.

: Provides competitive terms for veterans buying on trust lands.

: In some cases, Section 8 vouchers can be used toward monthly mortgage payments instead of rent.