{
 "generated": "2026-10-19",
 "source": "https://dpafinder.org/data/",
 "programs": [
  {
   "id": "al-ahfa-step-up",
   "state": "AL",
   "state_name": "Alabama",
   "name": "Step Up",
   "agency": "Alabama Housing Finance Authority (AHFA)",
   "type": "repayable",
   "amount": "4% of the sales price, up to $10,000",
   "income_limit": "$172,800 or less, regardless of household size or location",
   "price_limit": "",
   "first_time_buyer": "",
   "status": "Offered",
   "status_note": "",
   "details": "Down payment funds are secured by a 10-year second mortgage paired with a 30-year fixed first mortgage. Minimum credit score 640; DTI 45% or lower; homebuyer education required.",
   "source_url": "https://www.ahfa.com/programs/homeownership/available-programs/step-up",
   "last_checked": "2026-10-19"
  },
  {
   "id": "az-home-plus",
   "state": "AZ",
   "state_name": "Arizona",
   "name": "Home+Plus Down Payment Assistance",
   "agency": "Arizona Industrial Development Authority (Arizona IDA)",
   "type": "forgivable",
   "amount": "",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "",
   "status": "Offered",
   "status_note": "",
   "details": "0% second mortgage with no monthly payment, forgiven after 60 months; no partial forgiveness before then.",
   "source_url": "https://homeplusaz.com/wp-content/uploads/2026/06/HPAZ-AIH-DPA-Program-Highlight-Comparison-v062026.pdf",
   "last_checked": "2026-10-19"
  },
  {
   "id": "ar-adfa-dpa",
   "state": "AR",
   "state_name": "Arkansas",
   "name": "ADFA Down Payment Assistance",
   "agency": "Arkansas Development Finance Authority (ADFA)",
   "type": "",
   "amount": "$1,000 to $15,000",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "",
   "status": "Offered",
   "status_note": "",
   "details": "Available with an ADFA StartSmart or ADFA Move-Up first mortgage.",
   "source_url": "https://adfa.arkansas.gov/programs/homeloans/down-payment-assistance-program/",
   "last_checked": "2026-10-19"
  },
  {
   "id": "ca-calhfa-myhome",
   "state": "CA",
   "state_name": "California",
   "name": "MyHome Assistance Program",
   "agency": "California Housing Finance Agency (CalHFA)",
   "type": "deferred",
   "amount": "Up to the lesser of 3.5% (FHA) or 3% (conventional) of the purchase price or appraised value",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "Required",
   "status": "Offered",
   "status_note": "",
   "details": "Deferred-payment junior loan for down payment and/or closing costs. Homebuyer education and counseling required.",
   "source_url": "https://www.calhfa.ca.gov/homebuyer/programs/myhome.htm",
   "last_checked": "2026-10-19"
  },
  {
   "id": "ca-calhfa-dream-for-all",
   "state": "CA",
   "state_name": "California",
   "name": "California Dream For All Shared Appreciation Loan",
   "agency": "California Housing Finance Agency (CalHFA)",
   "type": "deferred",
   "amount": "Up to 20% of the purchase price, not to exceed $150,000",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "Required",
   "status": "Closed",
   "status_note": "The application portal closed on March 16, 2026; no new applications can be started.",
   "details": "Repaid on sale, transfer or payoff of the first mortgage, plus a share of the home's appreciation.",
   "source_url": "https://www.calhfa.ca.gov/dream/index.htm",
   "last_checked": "2026-10-19"
  },
  {
   "id": "co-chfa-dpa-grant",
   "state": "CO",
   "state_name": "Colorado",
   "name": "CHFA Down Payment Assistance Grant",
   "agency": "Colorado Housing and Finance Authority (CHFA)",
   "type": "grant",
   "amount": "Up to the lesser of $25,000 or 3% of the first mortgage",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "",
   "status": "Offered",
   "status_note": "",
   "details": "No repayment required. Higher first-mortgage interest rates apply.",
   "source_url": "https://www.chfainfo.com/homeownership/down-payment-assistance",
   "last_checked": "2026-10-19"
  },
  {
   "id": "co-chfa-second-mortgage",
   "state": "CO",
   "state_name": "Colorado",
   "name": "CHFA Down Payment Assistance Second Mortgage Loan",
   "agency": "Colorado Housing and Finance Authority (CHFA)",
   "type": "deferred",
   "amount": "Up to the lesser of $25,000 or 4% of the first mortgage",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "",
   "status": "Offered",
   "status_note": "",
   "details": "Repayment deferred until payoff of the first mortgage, sale or refinance, or the home is no longer your primary residence.",
   "source_url": "https://www.chfainfo.com/homeownership/down-payment-assistance",
   "last_checked": "2026-10-19"
  },
  {
   "id": "ct-chfa-dap",
   "state": "CT",
   "state_name": "Connecticut",
   "name": "Down Payment Assistance Program (DAP) Loan",
   "agency": "Connecticut Housing Finance Authority (CHFA)",
   "type": "repayable",
   "amount": "4.00% of the lesser of sales price or appraised value; at least $3,000, up to $15,000",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "",
   "status": "Offered",
   "status_note": "",
   "details": "Second mortgage; interest rate equal to the first mortgage rate or 5.00%, whichever is less. Free homebuyer education required.",
   "source_url": "https://www.chfa.org/homebuyers-homeowners/homebuyers/downpayment-assistance-program-dap-loan/",
   "last_checked": "2026-10-19"
  },
  {
   "id": "de-dsha-dpa",
   "state": "DE",
   "state_name": "Delaware",
   "name": "Housing Delaware Down Payment & Closing Cost Assistance",
   "agency": "Delaware State Housing Authority (Housing Delaware)",
   "type": "deferred",
   "amount": "Zero-interest second mortgage equal to 3%, 4% or 5% of the first mortgage",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "Required for Welcome Home; not required for Open Door",
   "status": "Offered",
   "status_note": "",
   "details": "No monthly payment; due on refinance, sale, transfer of title, or when the home is no longer your primary residence. Income and sales price limits apply.",
   "source_url": "https://www.destatehousing.com/homeownership-loans/",
   "last_checked": "2026-10-19"
  },
  {
   "id": "dc-hpap",
   "state": "DC",
   "state_name": "District of Columbia",
   "name": "Home Purchase Assistance Program (HPAP)",
   "agency": "DC Department of Housing and Community Development (DHCD)",
   "type": "",
   "amount": "Up to $202,000 in gap financing plus up to $4,000 closing cost assistance (per the July 2026 HPAP table)",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "",
   "status": "Open",
   "status_note": "DHCD says FY2027 funds (from Oct 1, 2026) are assisted first-come, first-served.",
   "details": "Amounts depend on household income and size; see DHCD's HPAP Income Assistance Chart.",
   "source_url": "https://dhcd.dc.gov/service/home-purchase-assistance-program",
   "last_checked": "2026-10-19"
  },
  {
   "id": "fl-florida-assist",
   "state": "FL",
   "state_name": "Florida",
   "name": "Florida Assist (FL Assist)",
   "agency": "Florida Housing Finance Corporation",
   "type": "deferred",
   "amount": "Up to $10,000",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "",
   "status": "Offered",
   "status_note": "",
   "details": "0%, non-amortizing, deferred second mortgage; due in full on sale, transfer, refinance, payoff of the first mortgage, or move-out. Only with a Florida Housing first mortgage.",
   "source_url": "https://www.floridahousing.org/programs/homebuyer-overview-page",
   "last_checked": "2026-10-19"
  },
  {
   "id": "fl-hlp-second",
   "state": "FL",
   "state_name": "Florida",
   "name": "Florida Homeownership Loan Program (FL HLP) Second Mortgage",
   "agency": "Florida Housing Finance Corporation",
   "type": "repayable",
   "amount": "$12,500",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "",
   "status": "Offered",
   "status_note": "",
   "details": "3% fully amortizing 30-year second mortgage with a monthly payment.",
   "source_url": "https://www.floridahousing.org/programs/homebuyer-overview-page",
   "last_checked": "2026-10-19"
  },
  {
   "id": "fl-hometown-heroes",
   "state": "FL",
   "state_name": "Florida",
   "name": "Florida Hometown Heroes",
   "agency": "Florida Housing Finance Corporation",
   "type": "deferred",
   "amount": "5% of the first mortgage, minimum $10,000, maximum $35,000",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "Required (first-time, income-qualified homebuyers)",
   "status": "Offered",
   "status_note": "",
   "details": "For eligible full-time workers of Florida-based employers (health care, school staff, first responders, public safety/court, child care), servicemembers and veterans. 0% 30-year deferred second mortgage; not forgivable.",
   "source_url": "https://www.floridahousing.org/live-local-act/hometown-heroes-program",
   "last_checked": "2026-10-19"
  },
  {
   "id": "ga-georgia-dream",
   "state": "GA",
   "state_name": "Georgia",
   "name": "Georgia Dream Down Payment Assistance",
   "agency": "Georgia Department of Community Affairs (DCA) / GHFA",
   "type": "",
   "amount": "Standard: lesser of 5% of the purchase price or $10,000; PEN and Choice: lesser of 6% or $12,500",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "Required (or no home owned in the past 3 years, or purchase in certain areas)",
   "status": "Offered",
   "status_note": "",
   "details": "PEN is for protectors, educators, nurses/health care and active military; Choice is for households with a member living with a disability. Liquid assets after closing capped at $20,000 or 20% of the sales price (whichever is greater).",
   "source_url": "https://dca.georgia.gov/affordable-housing/home-ownership/georgia-dream-mortgage-products/georgia-dream",
   "last_checked": "2026-10-19"
  },
  {
   "id": "ga-peach-plus",
   "state": "GA",
   "state_name": "Georgia",
   "name": "Georgia Dream Peach Plus",
   "agency": "Georgia Department of Community Affairs (DCA) / GHFA",
   "type": "",
   "amount": "Standard: lesser of 3.5% or $10,000; PEN/Choice: lesser of 4% or $12,500",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "Not required",
   "status": "Offered",
   "status_note": "",
   "details": "For FHA or VA borrowers; higher income and price limits than the traditional Georgia Dream program.",
   "source_url": "https://dca.georgia.gov/affordable-housing/home-ownership/georgia-dream-mortgage-products/peach-plus-loan-program/peach",
   "last_checked": "2026-10-19"
  },
  {
   "id": "hi-hale-kamaaina-dpa",
   "state": "HI",
   "state_name": "Hawaii",
   "name": "Hale Kamaʻāina Mortgage Program Down Payment Assistance",
   "agency": "Hawaii Housing Finance and Development Corporation (HHFDC)",
   "type": "deferred",
   "amount": "4% of the first mortgage amount",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "Required (no primary residence in 3 years; exceptions for veterans or targeted areas)",
   "status": "Offered",
   "status_note": "",
   "details": "1% simple interest, no monthly payments; due at first-mortgage maturity, sale, refinance or transfer. Borrower must contribute at least 5% of the sales price to use the DPA.",
   "source_url": "https://dbedt.hawaii.gov/hhfdc/hale-kama%ca%bbaina-mortgage-program-for-real-estate-agents/",
   "last_checked": "2026-10-19"
  },
  {
   "id": "id-ihfa-dpa",
   "state": "ID",
   "state_name": "Idaho",
   "name": "Idaho Housing Down Payment and Closing Cost Assistance",
   "agency": "Idaho Housing and Finance Association (IHFA)",
   "type": "repayable",
   "amount": "Up to 8% of the sales price",
   "income_limit": "At or below $170,000 (some loan programs require lower income)",
   "price_limit": "",
   "first_time_buyer": "Not required",
   "status": "Offered",
   "status_note": "",
   "details": "Second mortgage repaid in monthly payments. Buyer contributes as little as $500. Finally Home! homebuyer education required.",
   "source_url": "https://www.idahohousing.com/homebuyers/down-payment-closing-cost-assistance/",
   "last_checked": "2026-10-19"
  },
  {
   "id": "il-ihda-access-forgivable",
   "state": "IL",
   "state_name": "Illinois",
   "name": "IHDA Access Forgivable",
   "agency": "Illinois Housing Development Authority (IHDA)",
   "type": "forgivable",
   "amount": "Up to $6,000",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "",
   "status": "Offered",
   "status_note": "",
   "details": "Does not need to be repaid if you live in the home for ten years; a portion is repaid if you sell within ten years.",
   "source_url": "https://www.ihda.org/my-home/faqs/",
   "last_checked": "2026-10-19"
  },
  {
   "id": "il-ihda-access-repayable",
   "state": "IL",
   "state_name": "Illinois",
   "name": "IHDA Access Repayable",
   "agency": "Illinois Housing Development Authority (IHDA)",
   "type": "repayable",
   "amount": "Up to $10,000",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "",
   "status": "Offered",
   "status_note": "",
   "details": "0% interest, repaid over 10 years.",
   "source_url": "https://www.ihda.org/my-home/faqs/",
   "last_checked": "2026-10-19"
  },
  {
   "id": "il-ihda-access-deferred",
   "state": "IL",
   "state_name": "Illinois",
   "name": "IHDA Access Deferred",
   "agency": "Illinois Housing Development Authority (IHDA)",
   "type": "deferred",
   "amount": "Up to $7,500",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "",
   "status": "Offered",
   "status_note": "",
   "details": "Repaid at maturity of the first mortgage, or on refinance or sale.",
   "source_url": "https://www.ihda.org/my-home/faqs/",
   "last_checked": "2026-10-19"
  },
  {
   "id": "in-ihcda-first-step",
   "state": "IN",
   "state_name": "Indiana",
   "name": "First Step",
   "agency": "Indiana Housing and Community Development Authority (IHCDA)",
   "type": "",
   "amount": "5% of the price of the home",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "Required",
   "status": "Offered",
   "status_note": "",
   "details": "",
   "source_url": "https://www.in.gov/ihcda/homebuyers/",
   "last_checked": "2026-10-19"
  },
  {
   "id": "in-ihcda-next-home",
   "state": "IN",
   "state_name": "Indiana",
   "name": "Next Home",
   "agency": "Indiana Housing and Community Development Authority (IHCDA)",
   "type": "",
   "amount": "Up to 3.5% of the price of the home",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "",
   "status": "Offered",
   "status_note": "",
   "details": "",
   "source_url": "https://www.in.gov/ihcda/homebuyers/",
   "last_checked": "2026-10-19"
  },
  {
   "id": "ia-military-homeownership",
   "state": "IA",
   "state_name": "Iowa",
   "name": "Military Homeownership Assistance Program",
   "agency": "Iowa Finance Authority (IFA)",
   "type": "grant",
   "amount": "$5,000",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "",
   "status": "Open (limited funds)",
   "status_note": "IFA reported $1,305,000 remaining for FY2027 as of Oct 1, 2026.",
   "details": "For service members and veterans; can be combined with FirstHome and Homes for Iowans.",
   "source_url": "https://www.iowafinance.com/housing/homeownership-programs/military-homeownership-assistance-program",
   "last_checked": "2026-10-19"
  },
  {
   "id": "ks-khrc-fthb",
   "state": "KS",
   "state_name": "Kansas",
   "name": "First Time Homebuyer Program (FTHB)",
   "agency": "Kansas Housing Resources Corporation (KHRC)",
   "type": "forgivable",
   "amount": "0% interest loan of 15 or 20% of the purchase price",
   "income_limit": "At or below 80% of area median income",
   "price_limit": "",
   "first_time_buyer": "Required",
   "status": "Offered",
   "status_note": "",
   "details": "Forgiven if the buyer stays in the home 10 years. Not available in Johnson County or the city limits of Kansas City, Lawrence, Topeka and Wichita (they run their own programs). Apply through KHRC's local partner organizations.",
   "source_url": "https://kshousingcorp.org/housing-partners/community-solutions/",
   "last_checked": "2026-10-19"
  },
  {
   "id": "ky-khc-dpa",
   "state": "KY",
   "state_name": "Kentucky",
   "name": "KHC Down Payment Assistance",
   "agency": "Kentucky Housing Corporation (KHC)",
   "type": "repayable",
   "amount": "Up to $12,500",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "",
   "status": "Offered",
   "status_note": "",
   "details": "Secondary loan repaid to KHC over 15 years; only with KHC first mortgages that meet price and income limits.",
   "source_url": "https://www.kyhousing.org/page/down-payment-assistance",
   "last_checked": "2026-10-19"
  },
  {
   "id": "la-homestart-assist",
   "state": "LA",
   "state_name": "Louisiana",
   "name": "HomeStart Assist",
   "agency": "Louisiana Housing Corporation (LHC)",
   "type": "forgivable",
   "amount": "4% of the first mortgage",
   "income_limit": "Up to 115% of AMI (non-targeted) or 140% of AMI (targeted areas)",
   "price_limit": "",
   "first_time_buyer": "Required",
   "status": "Offered",
   "status_note": "",
   "details": "0% forgivable second mortgage, fully forgiven after 60 months.",
   "source_url": "https://www.lhc.la.gov/homestartassist",
   "last_checked": "2026-10-19"
  },
  {
   "id": "la-homestart-advantage",
   "state": "LA",
   "state_name": "Louisiana",
   "name": "HomeStart Advantage",
   "agency": "Louisiana Housing Corporation (LHC)",
   "type": "forgivable",
   "amount": "4% of the first mortgage",
   "income_limit": "Household income may not exceed $125,000",
   "price_limit": "May not exceed the applicable FHA loan limit",
   "first_time_buyer": "Not required (may not own another residence at closing)",
   "status": "Offered",
   "status_note": "",
   "details": "0% second mortgage fully forgiven after 60 months.",
   "source_url": "https://www.lhc.la.gov/homestartadvantage",
   "last_checked": "2026-10-19"
  },
  {
   "id": "la-homestart-plus",
   "state": "LA",
   "state_name": "Louisiana",
   "name": "HomeStart Plus",
   "agency": "Louisiana Housing Corporation (LHC)",
   "type": "forgivable",
   "amount": "Up to 20% of the purchase price (up to $55,000) plus up to $5,000 closing cost assistance",
   "income_limit": "Up to 80% of HUD AMI",
   "price_limit": "",
   "first_time_buyer": "Required",
   "status": "Offered",
   "status_note": "",
   "details": "CDBG disaster-recovery funds for homes in designated parishes affected by Hurricanes Laura, Delta or Ida. Forgiven monthly over 10 years.",
   "source_url": "https://www.lhc.la.gov/homestartplus",
   "last_checked": "2026-10-19"
  },
  {
   "id": "me-first-home-advantage",
   "state": "ME",
   "state_name": "Maine",
   "name": "First Home Loan Advantage",
   "agency": "Maine State Housing Authority (MaineHousing)",
   "type": "",
   "amount": "$5,000",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "Required (First Home Loan: no home owned in the last 3 years)",
   "status": "Offered",
   "status_note": "",
   "details": "Used with a MaineHousing First Home Loan.",
   "source_url": "https://www.mainehousing.org/docs/default-source/homeownership/first-home-advantage-summary.pdf",
   "last_checked": "2026-10-19"
  },
  {
   "id": "md-mmp-1st-time-advantage-6000",
   "state": "MD",
   "state_name": "Maryland",
   "name": "MMP 1st Time Advantage 6000",
   "agency": "Maryland Department of Housing and Community Development (Maryland Mortgage Program)",
   "type": "deferred",
   "amount": "$6,000",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "Required",
   "status": "Offered",
   "status_note": "",
   "details": "",
   "source_url": "https://mmp.maryland.gov/home-loans/mmp-1st-time-advantage",
   "last_checked": "2026-10-19"
  },
  {
   "id": "ma-masshousing-dpa",
   "state": "MA",
   "state_name": "Massachusetts",
   "name": "MassHousing Down Payment Assistance",
   "agency": "MassHousing",
   "type": "deferred",
   "amount": "Up to $30,000 (0% deferred) or up to $25,000 (2% or 3% 15-year amortizing)",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "Required (income-eligible first-time homebuyer)",
   "status": "Offered",
   "status_note": "",
   "details": "Available in every city and town in Massachusetts.",
   "source_url": "https://www.masshousing.com/buy-a-home/programs/downpayment-assistance/",
   "last_checked": "2026-10-19"
  },
  {
   "id": "mi-mshda-10k",
   "state": "MI",
   "state_name": "Michigan",
   "name": "MI 10K DPA Loan",
   "agency": "Michigan State Housing Development Authority (MSHDA)",
   "type": "deferred",
   "amount": "Up to $10,000",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "",
   "status": "Offered",
   "status_note": "",
   "details": "Interest-free loan; repayment deferred until payoff, sale or refinance, or the home is no longer owner-occupied.",
   "source_url": "https://www.michigan.gov/mshda/pathway-to-housing/mi-10k-dpa-loan",
   "last_checked": "2026-10-19"
  },
  {
   "id": "mn-deferred-payment-loan",
   "state": "MN",
   "state_name": "Minnesota",
   "name": "Deferred Payment Loan",
   "agency": "Minnesota Housing",
   "type": "deferred",
   "amount": "Up to $14,000 (Deferred Payment Loan Plus: up to $18,000)",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "",
   "status": "Offered",
   "status_note": "",
   "details": "Interest-free, no monthly payments; used with Start Up. See Minnesota Housing for current amounts.",
   "source_url": "https://www.mnhousing.gov/get/MHFA_013282",
   "last_checked": "2026-10-19"
  },
  {
   "id": "mn-monthly-payment-loan",
   "state": "MN",
   "state_name": "Minnesota",
   "name": "Monthly Payment Loan",
   "agency": "Minnesota Housing",
   "type": "repayable",
   "amount": "Up to $14,000",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "",
   "status": "Offered",
   "status_note": "",
   "details": "Amortizing loan with monthly payments; used with Start Up or Step Up.",
   "source_url": "https://www.mnhousing.gov/get/MHFA_013282",
   "last_checked": "2026-10-19"
  },
  {
   "id": "ms-smart7",
   "state": "MS",
   "state_name": "Mississippi",
   "name": "Smart7",
   "agency": "Mississippi Home Corporation (MHC)",
   "type": "",
   "amount": "$7,000",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "",
   "status": "Offered",
   "status_note": "",
   "details": "",
   "source_url": "https://www.mshomecorp.com/mhc-programs/",
   "last_checked": "2026-10-19"
  },
  {
   "id": "mo-first-place-cash",
   "state": "MO",
   "state_name": "Missouri",
   "name": "First Place Loan with Cash Assistance",
   "agency": "Missouri Housing Development Commission (MHDC)",
   "type": "",
   "amount": "",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "Required (first-time homebuyers and qualified veterans)",
   "status": "Offered",
   "status_note": "",
   "details": "",
   "source_url": "https://mhdc.com/services/homebuyer-programs/first-place",
   "last_checked": "2026-10-19"
  },
  {
   "id": "mo-next-step-cash",
   "state": "MO",
   "state_name": "Missouri",
   "name": "Next Step Loan with Cash Assistance",
   "agency": "Missouri Housing Development Commission (MHDC)",
   "type": "",
   "amount": "",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "Not required",
   "status": "Offered",
   "status_note": "",
   "details": "",
   "source_url": "https://mhdc.com/services/homebuyer-programs/next-step",
   "last_checked": "2026-10-19"
  },
  {
   "id": "mt-bond-advantage-dpa",
   "state": "MT",
   "state_name": "Montana",
   "name": "Bond Advantage Down Payment Assistance",
   "agency": "Montana Board of Housing (Montana Department of Commerce)",
   "type": "repayable",
   "amount": "Up to 5% of the purchase price, maximum $15,000",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "",
   "status": "Offered",
   "status_note": "",
   "details": "15-year amortizing second mortgage at the first mortgage rate; $1,000 borrower contribution; homebuyer education required.",
   "source_url": "https://commerce.mt.gov/Housing/Homeownership/Down-Payment-Assistance",
   "last_checked": "2026-10-19"
  },
  {
   "id": "ne-nifa-hba",
   "state": "NE",
   "state_name": "Nebraska",
   "name": "Homebuyer Assistance (HBA)",
   "agency": "Nebraska Investment Finance Authority (NIFA)",
   "type": "",
   "amount": "Up to 5% of the purchase price",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "Required",
   "status": "Offered",
   "status_note": "",
   "details": "1% interest second mortgage with a 120-month (10-year) term.",
   "source_url": "https://www.nifa.org/homebuyers-renters/homebuyer-assistance",
   "last_checked": "2026-10-19"
  },
  {
   "id": "nv-home-is-possible",
   "state": "NV",
   "state_name": "Nevada",
   "name": "Home Is Possible Down Payment Assistance",
   "agency": "Nevada Housing Division",
   "type": "",
   "amount": "Up to 5% of the loan amount",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "",
   "status": "Offered",
   "status_note": "",
   "details": "",
   "source_url": "https://www.homeispossiblenv.org/",
   "last_checked": "2026-10-19"
  },
  {
   "id": "nh-housing-cash-dpa",
   "state": "NH",
   "state_name": "New Hampshire",
   "name": "NH Housing Cash Downpayment Assistance",
   "agency": "New Hampshire Housing (NHHFA)",
   "type": "",
   "amount": "Fixed $5,000, $10,000 or $15,000",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "",
   "status": "Offered",
   "status_note": "",
   "details": "Added to an NH Housing rate-advantaged mortgage.",
   "source_url": "https://www.nhhousing.org/homeownership/homebuyers/",
   "last_checked": "2026-10-19"
  },
  {
   "id": "nh-1st-generation",
   "state": "NH",
   "state_name": "New Hampshire",
   "name": "1st Generation Homebuyer Downpayment Assistance",
   "agency": "New Hampshire Housing (NHHFA)",
   "type": "",
   "amount": "Up to $10,000",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "First-generation homebuyers",
   "status": "Offered",
   "status_note": "",
   "details": "",
   "source_url": "https://www.nhhousing.org/homeownership/homebuyers/",
   "last_checked": "2026-10-19"
  },
  {
   "id": "nj-njhmfa-dpa",
   "state": "NJ",
   "state_name": "New Jersey",
   "name": "NJHMFA First-Time Homebuyer Down Payment Assistance",
   "agency": "New Jersey Housing and Mortgage Finance Agency (NJHMFA)",
   "type": "forgivable",
   "amount": "Up to $15,000",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "Required",
   "status": "Offered",
   "status_note": "",
   "details": "Interest-free second loan with no monthly payments, forgiven after five years of continuous occupancy. Available in eligible counties.",
   "source_url": "https://www.nj.gov/dca/hmfa/homebuyers-and-renters/docs/FTHB-ConsumerFactSheet.pdf",
   "last_checked": "2026-10-19"
  },
  {
   "id": "nm-firstdown",
   "state": "NM",
   "state_name": "New Mexico",
   "name": "FirstDown",
   "agency": "Housing New Mexico (MFA)",
   "type": "",
   "amount": "Up to 4% of the purchase price",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "",
   "status": "Offered",
   "status_note": "",
   "details": "Total MFA-administered DPA capped at $35,000.",
   "source_url": "https://housingnm.org/uploads/documents/FIRSTDown_Program_Policy_07_20_2026_FINAL.pdf",
   "last_checked": "2026-10-19"
  },
  {
   "id": "nm-homenow",
   "state": "NM",
   "state_name": "New Mexico",
   "name": "HomeNow",
   "agency": "Housing New Mexico (MFA)",
   "type": "",
   "amount": "$7,000",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "",
   "status": "Offered",
   "status_note": "",
   "details": "",
   "source_url": "https://housingnm.org/uploads/documents/HomeNow_Program_Policy_Updated_07_20_2026_FINAL.pdf",
   "last_checked": "2026-10-19"
  },
  {
   "id": "ny-sonyma-dpal",
   "state": "NY",
   "state_name": "New York",
   "name": "SONYMA Down Payment Assistance Loan (DPAL)",
   "agency": "State of New York Mortgage Agency (SONYMA)",
   "type": "forgivable",
   "amount": "Greater of $3,000 or 3% of the purchase price (up to $15,000)",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "",
   "status": "Offered",
   "status_note": "",
   "details": "0% interest, no monthly payments. Minimum $1,000. Part may be repaid if you sell or refinance within 10 years (declines 1/120 per month). Only with a SONYMA mortgage.",
   "source_url": "https://hcr.ny.gov/down-payment-assistant-loan-dpal",
   "last_checked": "2026-10-19"
  },
  {
   "id": "ny-sonyma-dpal-plus-2026",
   "state": "NY",
   "state_name": "New York",
   "name": "SONYMA DPAL PLUS 2026",
   "agency": "State of New York Mortgage Agency (SONYMA)",
   "type": "",
   "amount": "Up to $30,000",
   "income_limit": "Up to 60% of area median income",
   "price_limit": "",
   "first_time_buyer": "",
   "status": "Open (limited funds)",
   "status_note": "Official page: first-come, first-served until funds are depleted.",
   "details": "Can pay down payment, closing costs and single-premium MI until the first mortgage is at 80% LTV.",
   "source_url": "https://hcr.ny.gov/down-payment-assistant-loan-dpal",
   "last_checked": "2026-10-19"
  },
  {
   "id": "nc-1st-home-advantage-dp",
   "state": "NC",
   "state_name": "North Carolina",
   "name": "NC 1st Home Advantage Down Payment",
   "agency": "North Carolina Housing Finance Agency (NCHFA)",
   "type": "forgivable",
   "amount": "$15,000",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "Required (or military veteran, or buying in a targeted area)",
   "status": "Offered",
   "status_note": "",
   "details": "0% deferred second mortgage forgiven 20% per year at the end of years 11-15.",
   "source_url": "https://www.nchfa.com/home-buyers/home-buyer-mortgage-products/nc-1st-home-advantage-down-payment",
   "last_checked": "2026-10-19"
  },
  {
   "id": "nc-home-advantage-dpa",
   "state": "NC",
   "state_name": "North Carolina",
   "name": "NC Home Advantage Mortgage Down Payment Assistance",
   "agency": "North Carolina Housing Finance Agency (NCHFA)",
   "type": "forgivable",
   "amount": "Up to 3% of the loan amount",
   "income_limit": "Annual income up to $158,000",
   "price_limit": "",
   "first_time_buyer": "Not required (first-time and move-up buyers)",
   "status": "Offered",
   "status_note": "",
   "details": "Forgiven 20% per year at the end of years 11-15.",
   "source_url": "https://www.nchfa.com/home-buyers/buy-home/nc-home-advantage-mortgage",
   "last_checked": "2026-10-19"
  },
  {
   "id": "nd-start",
   "state": "ND",
   "state_name": "North Dakota",
   "name": "Start Program Down Payment and Closing Cost Assistance",
   "agency": "North Dakota Housing Finance Agency (NDHFA)",
   "type": "",
   "amount": "Three percent of the first mortgage loan amount",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "",
   "status": "Offered",
   "status_note": "",
   "details": "Credit toward your out-of-pocket cash requirement; for low- to moderate-income buyers. $500 cash investment required.",
   "source_url": "https://www.ndhousing.nd.gov/homeownership",
   "last_checked": "2026-10-19"
  },
  {
   "id": "nd-dca",
   "state": "ND",
   "state_name": "North Dakota",
   "name": "DCA Program Down Payment and Closing Cost Assistance",
   "agency": "North Dakota Housing Finance Agency (NDHFA)",
   "type": "",
   "amount": "Three percent of the first mortgage loan amount",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "",
   "status": "Offered",
   "status_note": "",
   "details": "For low-income buyers.",
   "source_url": "https://www.ndhousing.nd.gov/homeownership",
   "last_checked": "2026-10-19"
  },
  {
   "id": "oh-ohfa-dpa",
   "state": "OH",
   "state_name": "Ohio",
   "name": "OHFA Down Payment Assistance",
   "agency": "Ohio Housing Finance Agency (OHFA)",
   "type": "forgivable",
   "amount": "3% (conventional) or 3.5% (FHA, VA, USDA)",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "",
   "status": "Offered",
   "status_note": "",
   "details": "Forgiven after seven years.",
   "source_url": "https://www.myohiohome.org/downpaymentassistance.aspx",
   "last_checked": "2026-10-19"
  },
  {
   "id": "ok-ohfa-dpa",
   "state": "OK",
   "state_name": "Oklahoma",
   "name": "OHFA Homebuyer Down Payment and/or Closing Cost Assistance",
   "agency": "Oklahoma Housing Finance Agency (OHFA)",
   "type": "",
   "amount": "3.5% of the total loan amount",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "",
   "status": "Offered",
   "status_note": "",
   "details": "",
   "source_url": "https://www.ohfa.org/homebuyers/",
   "last_checked": "2026-10-19"
  },
  {
   "id": "or-ohcs-dpa",
   "state": "OR",
   "state_name": "Oregon",
   "name": "OHCS Down Payment Assistance (via local groups)",
   "agency": "Oregon Housing and Community Services (OHCS)",
   "type": "",
   "amount": "",
   "income_limit": "At or below 100% of area median income",
   "price_limit": "",
   "first_time_buyer": "First-time and/or first-generation homebuyers",
   "status": "Offered",
   "status_note": "",
   "details": "OHCS funds local organizations that run DPA; homebuyer education and a housing counselor meeting required.",
   "source_url": "https://www.oregon.gov/ohcs/homeownership/homebuyers/Pages/down-payment-assistance.aspx",
   "last_checked": "2026-10-19"
  },
  {
   "id": "pa-phfa-grant",
   "state": "PA",
   "state_name": "Pennsylvania",
   "name": "PHFA Grant",
   "agency": "Pennsylvania Housing Finance Agency (PHFA)",
   "type": "grant",
   "amount": "$500",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "",
   "status": "Offered",
   "status_note": "",
   "details": "With the HFA Preferred (Lo MI) loan.",
   "source_url": "https://www.phfa.org/programs/assistance.aspx",
   "last_checked": "2026-10-19"
  },
  {
   "id": "pa-keystone-advantage",
   "state": "PA",
   "state_name": "Pennsylvania",
   "name": "Keystone Advantage Assistance Loan",
   "agency": "Pennsylvania Housing Finance Agency (PHFA)",
   "type": "repayable",
   "amount": "Lesser of 4% of the purchase price or market value, or $6,000",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "",
   "status": "Offered",
   "status_note": "",
   "details": "0% interest, repaid monthly over 10 years. Minimum credit score 660.",
   "source_url": "https://www.phfa.org/programs/assistance.aspx",
   "last_checked": "2026-10-19"
  },
  {
   "id": "pa-k-fit",
   "state": "PA",
   "state_name": "Pennsylvania",
   "name": "Keystone Forgivable in Ten Years (K-FIT)",
   "agency": "Pennsylvania Housing Finance Agency (PHFA)",
   "type": "forgivable",
   "amount": "5% of the lesser of purchase price or appraised value",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "",
   "status": "Offered",
   "status_note": "",
   "details": "Forgiven 10% a year over 10 years.",
   "source_url": "https://www.phfa.org/programs/assistance.aspx",
   "last_checked": "2026-10-19"
  },
  {
   "id": "pa-k-date",
   "state": "PA",
   "state_name": "Pennsylvania",
   "name": "Keystone Flex with K-DATE",
   "agency": "Pennsylvania Housing Finance Agency (PHFA)",
   "type": "deferred",
   "amount": "8% (loan amounts up to $150,000) or 5% (above $150,000) of the lesser of price or appraised value",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "",
   "status": "Offered",
   "status_note": "",
   "details": "0% 30-year second mortgage, no monthly payments; due on sale, refinance or payoff of the first mortgage.",
   "source_url": "https://www.phfa.org/programs/assistance.aspx",
   "last_checked": "2026-10-19"
  },
  {
   "id": "pa-access-dpa",
   "state": "PA",
   "state_name": "Pennsylvania",
   "name": "Access Downpayment and Closing Cost Assistance",
   "agency": "Pennsylvania Housing Finance Agency (PHFA)",
   "type": "",
   "amount": "Up to $15,000",
   "income_limit": "Up to 80% of statewide family median income",
   "price_limit": "",
   "first_time_buyer": "",
   "status": "Offered",
   "status_note": "",
   "details": "For buyers with a disability or a household member with a disability who also use the Access Home Modification Program.",
   "source_url": "https://www.phfa.org/programs/assistance.aspx",
   "last_checked": "2026-10-19"
  },
  {
   "id": "ri-15kdpa",
   "state": "RI",
   "state_name": "Rhode Island",
   "name": "15kDPA",
   "agency": "Rhode Island Housing (RIHousing)",
   "type": "",
   "amount": "$15,000",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "Required",
   "status": "Offered",
   "status_note": "",
   "details": "0% interest loan; requires a RIHousing-funded first mortgage.",
   "source_url": "https://www.rihousing.com/homebuyers/15k-dpa/",
   "last_checked": "2026-10-19"
  },
  {
   "id": "ri-extra-assistance",
   "state": "RI",
   "state_name": "Rhode Island",
   "name": "Extra Assistance",
   "agency": "Rhode Island Housing (RIHousing)",
   "type": "repayable",
   "amount": "Lesser of 6% of the purchase price or $20,000",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "Required",
   "status": "Offered",
   "status_note": "",
   "details": "Interest rate equal to your RIHousing first mortgage.",
   "source_url": "https://www.rihousing.com/homebuyers/extra-assistance/",
   "last_checked": "2026-10-19"
  },
  {
   "id": "sc-palmetto-home-advantage",
   "state": "SC",
   "state_name": "South Carolina",
   "name": "Palmetto Home Advantage DPA",
   "agency": "South Carolina State Housing Finance and Development Authority (SC Housing)",
   "type": "forgivable",
   "amount": "3% or 4% of the first mortgage",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "",
   "status": "Offered",
   "status_note": "",
   "details": "",
   "source_url": "https://schousing.sc.gov/homebuyers/programs-homebuyers/palmetto-home-advantage",
   "last_checked": "2026-10-19"
  },
  {
   "id": "sd-fixed-rate-plus",
   "state": "SD",
   "state_name": "South Dakota",
   "name": "Fixed Rate Plus",
   "agency": "South Dakota Housing (SDHDA)",
   "type": "deferred",
   "amount": "3% or 5% of the first mortgage",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "",
   "status": "Offered",
   "status_note": "",
   "details": "0% second mortgage, no payments, due on sale or payoff.",
   "source_url": "https://www.sdhousing.org/ready-to-buy/available-programs/downpayment-assistance",
   "last_checked": "2026-10-19"
  },
  {
   "id": "tn-great-choice-plus-deferred",
   "state": "TN",
   "state_name": "Tennessee",
   "name": "Great Choice Plus (Deferred/Forgivable)",
   "agency": "Tennessee Housing Development Agency (THDA)",
   "type": "forgivable",
   "amount": "$6,000 or $10,000",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "",
   "status": "Offered",
   "status_note": "",
   "details": "0% second mortgage forgiven after 10 years.",
   "source_url": "https://thda.org/homebuyers/down-payment-assistance/",
   "last_checked": "2026-10-19"
  },
  {
   "id": "tn-great-choice-plus-amortizing",
   "state": "TN",
   "state_name": "Tennessee",
   "name": "Great Choice Plus (Amortizing)",
   "agency": "Tennessee Housing Development Agency (THDA)",
   "type": "repayable",
   "amount": "Up to 5% of the sales price, maximum $15,000",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "",
   "status": "Offered",
   "status_note": "",
   "details": "Interest rate equals the first mortgage.",
   "source_url": "https://thda.org/homebuyers/down-payment-assistance/",
   "last_checked": "2026-10-19"
  },
  {
   "id": "tn-great-choice-plus-new-construction",
   "state": "TN",
   "state_name": "Tennessee",
   "name": "Great Choice Plus (New Construction)",
   "agency": "Tennessee Housing Development Agency (THDA)",
   "type": "",
   "amount": "Up to $25,000",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "",
   "status": "Offered",
   "status_note": "",
   "details": "For newly built/proposed construction; 0% interest second mortgage.",
   "source_url": "https://thda.org/homebuyers/down-payment-assistance/",
   "last_checked": "2026-10-19"
  },
  {
   "id": "tx-my-first-texas-home",
   "state": "TX",
   "state_name": "Texas",
   "name": "My First Texas Home",
   "agency": "Texas Department of Housing and Community Affairs (TDHCA)",
   "type": "deferred",
   "amount": "2% to 5% (subject to availability)",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "Required",
   "status": "Offered",
   "status_note": "",
   "details": "0% second lien: 30-year deferred repayable, or a 3-year deferred forgivable option.",
   "source_url": "https://welcomehome.tdhca.texas.gov/uploads/My-First-Texas-Home-Program-Matrix-TMS.pdf",
   "last_checked": "2026-10-19"
  },
  {
   "id": "ut-amortizing-dpa",
   "state": "UT",
   "state_name": "Utah",
   "name": "UHC Down Payment Assistance (Amortizing)",
   "agency": "Utah Housing Corporation (UHC)",
   "type": "repayable",
   "amount": "6% of the first mortgage, up to $27,500",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "",
   "status": "Offered",
   "status_note": "",
   "details": "30-year second mortgage at 1% above the first-mortgage rate (max 8%); monthly payment required.",
   "source_url": "https://utahhousingcorp.org/realtorsbuilders/downpaymentassistance/",
   "last_checked": "2026-10-19"
  },
  {
   "id": "ut-deferred-dpa",
   "state": "UT",
   "state_name": "Utah",
   "name": "UHC Deferred Down Payment Assistance",
   "agency": "Utah Housing Corporation (UHC)",
   "type": "deferred",
   "amount": "3.5% of the first mortgage, up to $27,500",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "",
   "status": "Offered",
   "status_note": "",
   "details": "3.5% deferred simple interest; due at maturity, sale or refinance.",
   "source_url": "https://utahhousingcorp.org/realtorsbuilders/downpaymentassistance/",
   "last_checked": "2026-10-19"
  },
  {
   "id": "ut-fthb-new-construction",
   "state": "UT",
   "state_name": "Utah",
   "name": "First-Time Homebuyer Assistance Program (New Construction)",
   "agency": "Utah Housing Corporation (UHC)",
   "type": "",
   "amount": "Up to $20,000",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "Required",
   "status": "Offered",
   "status_note": "",
   "details": "State-funded; for newly built homes. Can be used for down payment, closing costs or a rate buy-down.",
   "source_url": "https://utahhousingcorp.org/realtorsbuilders/downpaymentassistance/",
   "last_checked": "2026-10-19"
  },
  {
   "id": "vt-vhfa-assist",
   "state": "VT",
   "state_name": "Vermont",
   "name": "VHFA ASSIST",
   "agency": "Vermont Housing Finance Agency (VHFA)",
   "type": "deferred",
   "amount": "Up to $10,000",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "Required (never owned a home; under $20,000 combined liquid assets)",
   "status": "Offered",
   "status_note": "",
   "details": "",
   "source_url": "https://vhfa.org/homebuyers",
   "last_checked": "2026-10-19"
  },
  {
   "id": "vt-first-generation-grant",
   "state": "VT",
   "state_name": "Vermont",
   "name": "First Generation Homebuyer Grant",
   "agency": "Vermont Housing Finance Agency (VHFA)",
   "type": "grant",
   "amount": "$15,000",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "Required (never owned a home; under $20,000 combined liquid assets)",
   "status": "Offered",
   "status_note": "",
   "details": "",
   "source_url": "https://vhfa.org/homebuyers",
   "last_checked": "2026-10-19"
  },
  {
   "id": "va-dpa-grant",
   "state": "VA",
   "state_name": "Virginia",
   "name": "Down Payment Assistance Grant",
   "agency": "Virginia Housing",
   "type": "grant",
   "amount": "",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "Required (or repeat buyer purchasing in Areas of Economic Opportunity)",
   "status": "Offered",
   "status_note": "",
   "details": "Within Virginia Housing income limits.",
   "source_url": "https://www.virginiahousing.com/homebuyers/down-payment-assistance-grant",
   "last_checked": "2026-10-19"
  },
  {
   "id": "va-plus-second",
   "state": "VA",
   "state_name": "Virginia",
   "name": "Virginia Housing Plus Second Mortgage",
   "agency": "Virginia Housing",
   "type": "repayable",
   "amount": "Up to 5% of the purchase price",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "Not required (first-time or repeat buyers)",
   "status": "Offered",
   "status_note": "",
   "details": "",
   "source_url": "https://www.virginiahousing.com/homebuyers/plus-second-mortgage",
   "last_checked": "2026-10-19"
  },
  {
   "id": "wa-home-advantage-dpa",
   "state": "WA",
   "state_name": "Washington",
   "name": "Home Advantage DPA",
   "agency": "Washington State Housing Finance Commission (WSHFC)",
   "type": "deferred",
   "amount": "3%, 4% or 5% of the first mortgage",
   "income_limit": "Up to $215,000",
   "price_limit": "",
   "first_time_buyer": "Not required",
   "status": "Offered",
   "status_note": "",
   "details": "0% interest. Payment-deferred: no monthly payments; due on sale, refinance, transfer, move-out or payoff. Free homebuyer education class required.",
   "source_url": "https://heretohome.org/downpayment-assistance/",
   "last_checked": "2026-10-19"
  },
  {
   "id": "wa-home-advantage-needs-based",
   "state": "WA",
   "state_name": "Washington",
   "name": "Home Advantage Needs-Based DPA",
   "agency": "Washington State Housing Finance Commission (WSHFC)",
   "type": "deferred",
   "amount": "Up to $10,000",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "Not required",
   "status": "Offered",
   "status_note": "",
   "details": "1% simple interest; for homes under $250,000; needs assessment required (except veterans). Payment-deferred: no monthly payments; due on sale, refinance, transfer, move-out or payoff. Free homebuyer education class required.",
   "source_url": "https://heretohome.org/downpayment-assistance/",
   "last_checked": "2026-10-19"
  },
  {
   "id": "wa-house-key-opportunity-dpa",
   "state": "WA",
   "state_name": "Washington",
   "name": "House Key Opportunity DPA",
   "agency": "Washington State Housing Finance Commission (WSHFC)",
   "type": "deferred",
   "amount": "Up to $15,000",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "Required (or purchase in a Target Area)",
   "status": "Offered",
   "status_note": "",
   "details": "1% simple interest; county income limits apply. Payment-deferred: no monthly payments; due on sale, refinance, transfer, move-out or payoff. Free homebuyer education class required.",
   "source_url": "https://heretohome.org/downpayment-assistance/",
   "last_checked": "2026-10-19"
  },
  {
   "id": "wa-homechoice-dpa",
   "state": "WA",
   "state_name": "Washington",
   "name": "HomeChoice DPA",
   "agency": "Washington State Housing Finance Commission (WSHFC)",
   "type": "deferred",
   "amount": "Up to $15,000",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "Required (unless buying in a Targeted Area)",
   "status": "Offered",
   "status_note": "",
   "details": "For buyers with a disability or a disabled family member living with them; one-on-one counseling required. Payment-deferred: no monthly payments; due on sale, refinance, transfer, move-out or payoff. Free homebuyer education class required.",
   "source_url": "https://heretohome.org/downpayment-assistance/",
   "last_checked": "2026-10-19"
  },
  {
   "id": "wa-veterans-dpa",
   "state": "WA",
   "state_name": "Washington",
   "name": "Veterans Downpayment Assistance Program",
   "agency": "Washington State Housing Finance Commission (WSHFC)",
   "type": "deferred",
   "amount": "Up to $10,000",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "Required (or purchase in a Target Area)",
   "status": "Offered",
   "status_note": "",
   "details": "3% interest; for eligible Washington veterans. Payment-deferred: no monthly payments; due on sale, refinance, transfer, move-out or payoff. Free homebuyer education class required.",
   "source_url": "https://heretohome.org/downpayment-assistance/",
   "last_checked": "2026-10-19"
  },
  {
   "id": "wa-covenant",
   "state": "WA",
   "state_name": "Washington",
   "name": "Covenant Homeownership Program DPA",
   "agency": "Washington State Housing Finance Commission (WSHFC)",
   "type": "",
   "amount": "Up to 20% of the cost of the home, up to $150,000, plus closing costs",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "",
   "status": "Offered",
   "status_note": "",
   "details": "For people with pre-1968 roots in Washington who (or whose parent or grandparent) were members of groups affected by housing discrimination. See the Covenant program page for full rules.",
   "source_url": "https://heretohome.org/downpayment-assistance/",
   "last_checked": "2026-10-19"
  },
  {
   "id": "wv-low-down-home-loan",
   "state": "WV",
   "state_name": "West Virginia",
   "name": "Low Down Home Loan",
   "agency": "West Virginia Housing Development Fund (WVHDF)",
   "type": "repayable",
   "amount": "Up to $12,000",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "",
   "status": "Offered",
   "status_note": "",
   "details": "15-year 2% fixed-rate second mortgage with the Homeownership or Movin' Up programs.",
   "source_url": "https://www.wvhdf.com/programs/single-family-programs-and-resources/low-down-home-loan/",
   "last_checked": "2026-10-19"
  },
  {
   "id": "wi-easy-close-dpa",
   "state": "WI",
   "state_name": "Wisconsin",
   "name": "WHEDA Easy Close DPA",
   "agency": "Wisconsin Housing and Economic Development Authority (WHEDA)",
   "type": "repayable",
   "amount": "Minimum $1,000, up to 6% of the lesser of purchase price or appraised value",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "",
   "status": "Offered",
   "status_note": "",
   "details": "10-year amortizing second mortgage.",
   "source_url": "https://www.wheda.com/globalassets/documents/mortgage-lending/dpa-comparison.pdf",
   "last_checked": "2026-10-19"
  },
  {
   "id": "wi-capital-access-dpa",
   "state": "WI",
   "state_name": "Wisconsin",
   "name": "WHEDA Capital Access DPA",
   "agency": "Wisconsin Housing and Economic Development Authority (WHEDA)",
   "type": "deferred",
   "amount": "",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "",
   "status": "Offered",
   "status_note": "",
   "details": "0.00% APR, no monthly payments for the life of the loan; pays in full when the first mortgage pays off. Property must be in a high housing need area.",
   "source_url": "https://www.wheda.com/globalassets/documents/mortgage-lending/dpa-comparison.pdf",
   "last_checked": "2026-10-19"
  },
  {
   "id": "wy-homestretch-dpa",
   "state": "WY",
   "state_name": "Wyoming",
   "name": "Home$tretch Down Payment Assistance",
   "agency": "Wyoming Community Development Authority (WCDA)",
   "type": "deferred",
   "amount": "Up to $15,000",
   "income_limit": "",
   "price_limit": "",
   "first_time_buyer": "Required",
   "status": "Offered",
   "status_note": "",
   "details": "0% interest second mortgage; $1,500 minimum borrower contribution (may be a gift).",
   "source_url": "https://www.wyomingcda.com/homebuyers/",
   "last_checked": "2026-10-19"
  }
 ]
}