first time buyer programs

[ShanetheMortgageMan]

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berraco58 wrote:

Wow I'm happy my Shane certified list came through. Kinda upset that the Monroe, LA page was less than satisfying. The only info provided is a phone number to call for more info. Kind of expected in this day in age to find a little more general info (maybe income brackets etc.) on the web page. Oh well. I am looking through the LFHA page and that seems interesting. Once again thanks for the help.

Message Edited by berraco58 on 12-22-2007 04:45 PM

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Yeah, well all websites can't be as informative as myFICO.com

California assistance:

Alameda Downpayment Assistance Program (DAP)
$10,000 (510) 749-5824

Anaheim Home Program (HOME)
$35,000 (714) 765-4340

Anaheim Police Residence Assistance Program (PRAP)
$20,000 (714) 765-4340

Anaheim Second Mortgage Assistance Program (SMAP)
$25,000 (714) 765-4340

Brentwood Police Officer Recruitment Incentive Program (BPOAP)
$28,500 (925) 516-5195

California Gold Taxable MRB Second Mortgage Loan Program (SML)
$25,000 (916) 444-2615

California School Facility Fee Down Payment Assistance Program (DPA)
$25,000 (916) 322-1353

Campbell Deferred Second Loan Program (DSLP)
$50,000 (408) 299-5142

Chico Mortgage Subsidy Program (MSP)
$20,000 (916) 895-4862

Coalinga Downpayment Assistance Program (DAP)
$6,400 (559) 935-1533

Concord First Time Homebuyer Program (FTHB)
$25,000 (925) 671-3325

Costa Mesa Homebuyer Assistance Program (HAP)
$40,000 (714) 754-5692

Culver City Mortgage Assistance Program (MAP)
$60,000 (310) 253-5780

Del Norte/Humboldt Yurok Indian Housing Authority Downpayment Assistance Gift
$40,000 (707) 482-1506

Dinuba Homebuyer Assistance Program (HAP)
$20,000 (559) 591-5900

Dixon Down Payment Assistance Program (DPA)
$40,000 (707) 678-7000

El Cajon 120% First Time Homebuyer Program (FTHB)
$60,000 (619) 441-1768

El Cajon 80% First Time Homebuyers Program (FTHB)
$60,000 (619) 441-1768

El Monte Down Payment Assistance Program (DPAP)
Max 22% (626) 580-2070

Emeryville First Time Homebuyer Program (FTHP) Moderate Income
$71,025 (510) 596-4316

Fairfield City-Wide In-fill Housing Silent Loan Program (FSLP-2nd)
$50,000 (707) 428-7457

Fairfield City-Wide In-Fill Housing Silent Loan Program (FSLP-3rd)
$50,000 (707) 428-7457

Fremont Adams Ave Home Project Second Mortgage (SM)
$207,926 (510) 494-4520

Fremont First Time Homebuyer Programs (FTHB)
$40,000 (510) 494-4506

Fresno CalHome Mortgage Assistance Program (MAP)
$30,000 (559) 262-4292

Fresno County Downpayment Assistance Program (DAP)
$4,000 (559) 262-4292

Fresno County- Economic Opportunities Commission (FCEOC) Refugee Individual Development Account (IDA)
$6,000 (559) 263-1065

Fresno Downpayment Assistance Program (DAP)
$4,000 (559) 498-4815

Grand Terrace Affordable Housing Program (AHP)
$25,000 (909) 825-3825

Hanford Home Sweet Home Program (Home)
$20,000 (559) 585-2587

Hawthorne First Time Homebuyer Program (FTHP)
$80,000 (310) 970-7086

Hayward First Time Homebuyer Program (FHP)
$11,000 (510) 583-4244

Hesperia First Time Homebuyer Downpayment Assistance Program (DAP)
Scott McGookin
$20,000 (760) 947-1907

Imperial First Time Home Buyer Program (FTHB)
$20,000 (760) 355-4373

La Quinta Home Purchase Program (HPP)
$85,000 (714) 541-4585

Lincoln Homebuyer Mortgage Program
$40,000 (800) 995-0431

Livermore Down Payment Assistance (DAP) Deferred Payment Third Loan
$20,000 (925) 373-5699

Livermore Down Payment Assistance Program (DAP) Ten Year Amortization Second Loan
$20,000 (925) 373-5699

Long Beach Housing Development Company Downpayment Assistance Program (DAP)
$10,000 (562) 570-6949

Los Angeles County Home Ownership Program (HOP)
$60,000 (213) 890-7248

Los Angeles County Montebello Housing Development Corporation Calhome FTHB Mortgage Assistance Program (MAP)
$30,000 (323) 722-3955

Madera County Homebuyer Assistance Program (HAP)
$20,000 (559) 675-7821

Manteca City Manteca First Time Home Buyer Assistance Program (DAP)
$30,000 (209) 239-8427

Mendocino County Down Payment Assistance Program (DPAP)
$70,000 (707) 463-5462

Mendocino County Individual Development Empowerment Account Program (IDEA)
$10,000 (707) 462-0522

Mendota First Time Homebuyers Program (FTHP)
$25,000 (559) 655-3291

Merced County First Time Homebuyer Program (FTHP)
$60,000. (209) 385-7654

Merced First Time First Time Home Buyer Grants Program (FTHB)
$25,000 (209) 385-6863

Modesto Down Payment Assistance Program (DPAP) $60,000 (209) 577-5310

Monterey County First Time Home Buyers Program (FTHB)
$135,235 (831) 786-1357

Monterey Down Payment Assistance Program (DAP)
$25,000 (831) 646-37

http://www.calhfa.ca.gov/

[treschic]

do you have any info for washington dc first time home buyers programs?  thank you for any assistance you can provide.

[Anonymous]

My visit to the LHFA site was ultimately bitter sweet. I didn't qualify for any of the programs . But that was ultimately due to being above the income brackets . Shane I think you are about to develop the most complete North American Downpayment Assistance list ever.

Thanks again.

[ShanetheMortgageMan]

DHCD provides a number of incentives to individuals who buy houses in the District and to developers who build housing for low and moderate income buyers. For information on any of these programs, Ask the Director or call (202) 442-7200.

DC Employer Assisted Housing Program (EAHP)
The DC Employer Assisted Housing program provides grants and deferred loans of up to $11,500 to employees of the District of Columbia government who are first-time homebuyers in Washington, DC.

• Brochure*

DC Metropolitan Police Housing Assistance Program
The DC Metropolitan Police Housing Assistance program provides up to $10,000 in deferred loans for down payment and closing cost assistance to members of the Metropolitan Police Department. The program also provides tax incentives in the form of income tax credits and real property tax abatements.

• Brochure*

First Right Purchase Assistance Program
The First Right Purchase program provides direct short-term and permanent financing loans to low-moderate income individuals and tenant groups to exercise their rights under the District’s Right of First refusal law. Loans to tenant groups may be used for earnest money deposits, actual purchase of property, initial operating costs, or for “soft costs” such as legal, architectural, engineering, and other technical services related to the purchase of a property.  First Right Purchase loans may be converted to or used to provide permanent financing.

Handicapped Access Improvements Program
The Handicapped Access Improvements program provides assistance to install improvements necessary to provide barrier-free living environments in houses occupied by individuals with physical disabilities.

Home Purchase Assistance Program
The Home Purchase Assistance program provides interest-free and low-interest loans to qualified residents, which enables them to purchase houses, condominiums, or cooperative apartments. Residents who are accepted into the three-tiered program are eligible for loans to meet down payment and closing cost requirements. The loan amounts are based on a combination of factors, including income, household size, and the amount of assets that each applicant must commit toward a property’s purchase price. Loans provided are subordinate to private first trust mortgages.

• Brochure*

Homeownership Developers Incentive Fund
The Homeownership Developers Incentive Fund program provides grants to Community Development Corporations and other nonprofit development entities to help lower the cost of units developed by nonprofits so the units are affordable to low and moderate-income purchasers.

Homestead Housing Preservation Program
The Homestead Housing Preservation program enables first-time homebuyers to purchase tax delinquent real properties and Department of Housing and Community Development foreclosures for as little as $250 per unit. In exchange, the homebuyer must complete a homeownership training course, rehabilitate the property, reside in the property for a minimum of five years, and return it to the real property tax rolls. Low and moderate-income participants receive a $10,000 deferred mortgage to assist them with gap financing.

• Brochure*

Single Family Residential Rehabilitation Program
The Single Family Residential Rehabilitation program is a source of low-cost financing for the rehabilitation of 1-4 unit residential housing, which is either owner-occupied or investor-owned and located primarily in designated Community Development Areas and Enterprise Communities. The program provides low-interest, amortized loans for up to 20 years, depending on the financial circumstances of the borrower and the amount of rehabilitation required to correct code deficiencies.

• Fact Sheet

Senior Citizen Home Repair and Improvement Program
The Senior Citizen Home Repair and Improvement program provides deferred loans to elderly homeowners to make emergency home repairs for housing deficiencies that threaten their health and safety.

• Fact Sheet

District of Columbia Greater Washington Urban League (Very Low Income) Home Purchase Assistance Program (VPAP)
$20,000 (202) 265-8200

District of Columbia Greater Washington Urban League Employer Assistance Housing Program (EAHP)
$11,500 (202) 265-8200

District of Columbia Greater Washington Urban League, Inc. (Low Income) Home Purchase Assistance Program (HPAP)
$15,000 (202) 265-8200

District of Columbia Greater Washington Urban League, Inc. (Moderate Income) Home Purchase Assistance Program (MPAP)
$10,000 (202) 265-8200

District of Columbia Housing Authority (DCHA) Scattered Site Program (SSP)
100,000 (202) 535-2572

[honeybrook1]

Hi Shane-

Hope you had a great holiday.

Just a little update:  I have been given the opportunity to keep the $5000 offered to me and the price of the house will stay the same, so I'm just waiting for my hubby to pay what he owes and then we will go for the house again.  Thanks again for all of your advice.

[newmom24]

Shanethemortgageman, Happy new year! Do you have a listing of first time homebuyers for Florida? Thanks!

[ShanetheMortgageMan]

You are welcome honeybrook!

Florida

Alachula County State Housing Initiatives Parnership Program (SHIP)

$9,500 (352) 374-5249
Baker County- State Housing Initiatives Partnership (SHIP)
$5,000 (904) 259-3613
Bay County State Housing Initiatives Partnership Program (SHIP)
$15,660 (850) 234-6358
Boca Raton State Housing Initiatives Partnership Homebuyer Assistance Program (SHIP)
$40,000 (561) 393-7758
Bonita Springs Area Housing Development Corporation- SHIP Down Payment / Closing Cost Assistance (SHIP)
$15,000 (239) 652-7938
Bradenton Housing Assistance Program (HAP)
$4,000 (941) 714-7509
Brevard County First Time Home Buyer Program
$12,500 (321) 633-2075
Cape Coral Down Payment Assistance Program (DPAP)
$4,500 (239) 573-1222
Citrus County SHIP Downpayment Closing Costs Assistance Program (DCCAP)
$5,500 (352) 527-5377
Clearwater Down Payment/Closing Cost Assistance Program (DPCCA)
$15,000 (727) 562-4030
Columbia County State Housing Initiatives Partnership Program (SHIP)
$10,000 (386) 362-4115
Deltona SHIP Purchase Assistance Program
$22,000 (386) 561-2200
DeSoto County State Housing Initiative Program (SHIP)
$5,000 (863) 993-4858
Escambia County- SHIP Affordable Housing Initiative Program New Construction (AHIP)
$15,000 (850) 458-0464
Flagler County State HousingInitiatives Partnership Program (SHIP)
$10,000 (386) 437-7484
Gainesville Central Florida Community Action Agency, Inc. HOME Purchase Deferred Grant Assistance Program (HOME)
$40,000 (352) 373-7667
Gainesville Neighborhood Housing & Development Corporation (NHDC) HOME Subsidy Program (HSP)
$10,000 (352) 380-9112
Gainesville SHIP Downpayment Assistance Program (SHIP)
$3,500 (352) 334-5026
Hardee County, State Housing Initiatives Partnership Home Ownership Assistance Program (SHIP)
$5,000 (863) 773-6349
Hendry County State Housing Initiative Partnership Program (SHIP)
$15,000 (863) 675-5297
Hernando County SHIP Down Payment Assistance Program (DPAP)
$12,500 (352) 754-4160
Hillsborough County Heritage Housing Inc First Time Homebuyer Program (FTHP)
$5,000 (813) 961-5990
Hillsborough County Housing & Education Alliance First Time Homebuyers Program
$5,000 (813) 744-5557
Hillsborough County Housing & Education Alliance First Time Homebuyers Program
$15,000 (813) 744-5557
Hillsborough County Tampa Bay CDC Assistance Program (AP)
Also See:
Hillsborough CountyHillsborough County
$5,000 (813) 744-5557
Lakeland Keystone Challenge Fund Inc State Housing Initiatives Partnership Program (SHIP)
$30,791 (863) 682-1025
Lee County SHIP Down Payment/Closing Cost Assistance
$15,000 (239) 652-7938
Levy County SHIP Purchase Assistance (SHIP)
$20,000 (352) 486-5268
Manatee County Infill Assistance Program
30000 (941) 749-3030
Manatee County SHIP Down Payment & Closing Cost Assistance Program (DAP)
$15,000 (941) 749-3030
Melbourne Purchase Assistance Program (PAP)
$12,670 (321) 253-0053
Monroe County First Time Homebuyer Program (SHIP)
$36,000 (305) 292-1221
Multi County Autographed Book Give-Away for Inner City Youth Inc Affordable Housing Program
$25,000 (407) 426-8597
Multi County Clearwater Neighborhood Housing Services, Inc. Down Payment Assistance Program (DPAP)
$8,000 (727) 442-4155
Okaloosa County Okaloosa Community Development Corporation Down Payment/Closing Cost Assistance Program
$10,000 (850) 651-7376
Okeechobee County State Housing Initiatives Partnership Program (SHIP)
$25,000 (863) 763-6731
Orange County Down Payment Assistance Program (DPAP)
$10,000 (407) 836-4240
Orlando Downpayment Assistance Program (DAP)
$10,000 (407) 246-2708
Osceola County State Housing Initiatives Partnership Housing Assistance Program (SHIP)
$10,000 (407) 343-3105
Palm Bay Down Payment Assistance Program (DPAP)
$7,853 (321) 409-8181
Palm Beach County Hardship "B" Second Mortgage Subsidy Program (SMS)
$17,500 (561) 233-3650
Pasco County Homebuyer Assistance Program (HAP)
$9,250 (813) 847-8970
Pinellas CountyTampa Bay Community Development Corporation Homeownership Assistance Program (HAP)
$7,000.00 (727) 442-7075
Polk County Keystone Challenge Fund Inc State Housing Initiatives Partnership Program (SHIP)
$29,291 (863) 682-1025
Santa Rosa County SHIP Deferred Program Loan
$5,000 (850) 595-8910
Sarasota CountyDown Payment Assistance Program (DPAP)
$6,000 (941) 951-3640
St. Cloud Deer Creek Subdivision Affordable Housing Program (AHP)
25000 (850) 488-4197
St. Cloud Deer Creek Subdivison HOME Ownership Program (HOME)
25000 (850) 488-4197
St. Petersburg Hope VI Program (HVI)
$25,000 (727) 893-7615
St. Petersburg W.I.N Homebuyers Downpayment & Closing Cost Assistance Program (WIN)
$14,000 (727) 893-7247
Tampa Deferred Payment Loan (DPL)
$29,900 (813) 274-7977
Union County Suwannee River Economic Council Inc SHIP Program (SHIP)
$12,000 (386) 362-4115
Volusia CountyState Housing Initiatives Partnership Down Payment Assisstance Program (SHIP)
$27,000 (386) 736-5955

[newmom24]

Thanks Shane!

[Anonymous]

What about Mississippi Shane? thanks in advance...

[ShanetheMortgageMan]

Not a whole lot in MS, but:

Biloxi & Gulfport Gulf Coast Community Action Agency Inc HOME Grant (HG)
Please Note: This program is only for people who owned a home during Hurricane Katrina $14,975 (228) 867-1591

Biloxi PRIDE Homeownership Program (PRIDE)
$7,500 (228) 435-6280

MS Home Corporation

MHC administers 2 programs on behalf of the Dept. of Education and MS Development Authority.

They are the Housing Assistance For Teachers (HAT). Up to a $6,000 Grant if they teach for a period of 3 years in a critical shortage public school district

The other program is the household with someone that is permanently disabled. It's called Home of Your Own (HOYO). This a grant of up to $15,000 depending upon household income.

MHC offers other programs for first-time buyers. Most are in the form of a second mortgage (3% of the loan amount, 10-year fixed rate) and then one program that offers a 3% Cash Advance and that is with our Mortgage Revenue Bond Program.

MAX HAT $6,000

HOYO Up To $15,000

(601) 718-4626

Newton First-Time Homebuyer Grant Program (GRANT)
$10,000 (601) 683-2007