Laetare Group Grant Finder Library – State & National Homeownership Resources

Welcome to the Laetare Group’s Grant Finder Library, your self-guided hub for trusted, up-to-date resources empowering first-time homebuyers, seasoned homeowners, and investors across the U.S. Discover programs for down payment assistance, refinancing, home repair grants, property tax relief, energy efficiency, accessibility, disaster recovery, and veteran support, designed to foster homeownership, financial stability, and community impact.

🕊️ We serve buyers in PA, NJ, NY, MD, CT, DE, NC, TX, and beyond. ¡Hablamos Español!

🛠️ Please note: This portal is continually updated as new programs, grants, and homewnership incentives become available. Bookmark this page and check back regularly for fresh insights. Last updated: May 17, 2025.

💡 Have something to add? Submit local incentive programs or tools you’d like to see added to: info@laetaregroup.com

📑 Table of Contents

• Down Payment Assistance Overview
• Homebuying Assistance Programs
• Grants for New Home Purchases
• Grants for New Homeowner Home Improvements
• Energy Efficiency Programs
• Federal and Veteran Programs
• Seasoned Homeowner Programs
• Accessibility and Disaster Recovery Programs
• Frequently Asked Questions (FAQ)
• Contact Info

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Down Payment Assistance Overview

Buying your first home doesn’t have to mean emptying your savings. Across the country – and right here in New York – there are down payment assistance programs designed to make homeownership more affordable. These include forgivable loans, grants, and special programs for first-time buyers that reduce or even eliminate upfront costs.

One of the most generous local options is NYC’s HomeFirst Down Payment Assistance Program, which offers up to $100,000 in forgivable support. But it’s not the only path available. Below is a helpful comparison of key assistance options so you can explore what best fits your financial situation and goals.

Continue reading below for available grant programs by state…

Homebuying Assistance Programs by State

Connecticut

• CHFA First-Time Homebuyer Program
  Description: Offers below-market-rate mortgages and up to $3,000 in down payment assistance for first-time buyers.
  Eligibility: First-time buyer (no homeownership in last three years), income and purchase price limits, homebuyer education required.
  Benefits: Low-interest 30-year loans with down payment assistance, supporting affordable homeownership.
  Website: http://www.chfa.org
• CHFA Down Payment Assistance Program
  Description: Provides up to $20,000 as a low-interest second mortgage with a CHFA primary mortgage.
  Eligibility: Qualify for CHFA mortgage, meet income limits, use for down payment/closing costs.
  Benefits: Reduces financial barriers for first-time buyers, aligning with your family empowerment mission.
  Website: http://www.chfa.org
• HUD Connecticut Homebuying Programs
  Description: Local grants, affordable housing resources, and counseling via HUD-approved agencies.
  Eligibility: Varies; typically low- to moderate-income buyers, may require education.
  Benefits: Flexible assistance for tailored homebuying support.
  Website: http://www.hud.gov

Delaware

• DSHA Preferred Plus Loan
  Description: 30-year fixed-rate mortgages with 2%-5% down payment/closing cost assistance.
  Eligibility: First-time or repeat buyers, income limits (e.g., $112,750 for four in New Castle County), primary residence.
  Benefits: Reduces upfront costs, supporting community stability.
  Website: destatehousing.com
• DSHA Diamond in the Rough
  Description: Up to $15,000 for down payment/closing costs for homes needing renovation, paired with DSHA mortgage.
  Eligibility: First-time buyers in targeted areas, income limits, renovations within 90 days.
  Benefits: Encourages fixer-upper investments, aligning with investor networking.
  Website: destatehousing.com
• HUD Delaware Programs
  Description: Statewide grants, loans, and counseling via HUD-approved agencies.
  Eligibility: Low- to moderate-income buyers; varies by program.
  Benefits: Diverse support for comprehensive homebuying resources.
  Website: www.hud.gov

Maryland

• Maryland Mortgage Program (MMP)
  Description: Up to $8,500 in down payment assistance; SmartBuy 3.0 offers up to 15% of home price for student debt payoff.
  Eligibility: First-time buyers, income limits (e.g., $116,950 for three in Baltimore), credit score ≥640.
  Benefits: Eases financial burdens, supporting family empowerment.
  Website: mmp.maryland.gov
• Montgomery Homeownership Program
  Description: Up to $25,000 deferred loan for down payment/closing costs.
  Eligibility: First-time buyers in Montgomery County, income limits (e.g., $107,350 for four), homebuyer education.
  Benefits: Targets local families, enhancing community-focused services.
  Website: http://www.montgomerycountymd.gov
• Maryland Homeownership
  Description: Statewide homebuyer education, counseling, and loan program access.
  Eligibility: Open to all; specific programs for first-time/low-income buyers.
  Benefits: Strengthens client education and support.
  Website: dhcd.maryland.gov

New Jersey

• NJHMFA First-Time Buyer Program
  Description: 30-year fixed-rate mortgages with $15,000–$22,000 down payment assistance, includes Police/Firemen’s Loan.
  Eligibility: First-time buyers, income limits (e.g., $152,350 in Bergen County), primary residence.
  Benefits: Supports public servants and first-time buyers, appealing to community investors.
  Website: http://www.njhousing.gov
• Trenton First-Time Buyer Program
  Description: Up to $15,000 forgivable loan for down payment/closing costs.
  Eligibility: First-time buyers in Trenton, income ≤80% AMI, 5-year residency.
  Benefits: Supports urban buyers, aligning with revitalization goals.
  Website: http://www.trentonnj.org
• HUD NJ Homebuying Programs
  Description: State/city-specific grants, loans, and counseling via HUD-approved agencies.
  Eligibility: Low- to moderate-income buyers, may require education.
  Benefits: Enhances comprehensive homebuying support.
  Website: http://www.hud.gov

New York

• SONYMA Achieving the Dream
  Description: Low-interest 30-year fixed-rate loans with 3% down payment assistance.
  Eligibility: First-time buyers, income limits (e.g., $141,300 in Nassau County), credit score ≥620, education required.
  Benefits: Reduces barriers for first-time buyers, complementing affordable housing efforts.
  Website: www.nyshcr.org
• SONYMA DPA Loan
  Description: Up to $15,000 0% interest deferred loan for down payment/closing costs with SONYMA mortgage.
  Eligibility: Qualify for SONYMA mortgage, meet income limits.
  Benefits: Eases upfront costs, supporting family-centric projects.
  Website: www.nyshcr.org
• HUD NY Programs
  Description: Grants, counseling, and affordable housing via HUD-approved agencies.
  Eligibility: Low- to moderate-income buyers, may require education.
  Benefits: Diverse support for homeownership goals.
  Website: http://www.hud.gov

North Carolina

• NC Home Advantage Mortgage
  Description: Up to $15,000 deferred down payment assistance with 30-year fixed-rate mortgage.
  Eligibility: First-time/move-up buyers, income limits (e.g., $108,000 statewide), credit score ≥640, education required.
  Benefits: Supports first-time buyers, complementing Habitat’s work.
  Website: http://www.nchfa.com
• NC SHLP Program
  Description: $35,000 for buyers of Habitat for Humanity homes in Wake/Durham counties.
  Eligibility: First-time buyers, income ≤80% AMI, Habitat home purchase.
  Benefits: Enhances Habitat partnership and community-driven projects.
  Website: http://www.nchfa.com
• HUD NC Programs
  Description: Regional grants, loans, and counseling via HUD-approved agencies.
  Eligibility: Low- to moderate-income buyers, may require education.
  Benefits: Flexible support for homeownership.
  Website: http://www.hud.gov

Pennsylvania

• PHFA HOMEstead Assistance
  Description: Up to $10,000 no-interest second mortgage, forgivable after five years.
  Eligibility: First-time/repeat buyers in targeted counties, income limits (e.g., $109,200 in Allegheny County), primary residence.
  Benefits: Reduces upfront costs, appealing to community investors.
  Website: http://www.phfa.org
• PA Keystone Home Loan
  Description: Low-interest 30-year loans with up to 4% down payment assistance (e.g., Keystone Advantage up to $6,000).
  Eligibility: First-time/repeat buyers, income/purchase price limits (e.g., $160,000 in Philadelphia), credit score ≥660.
  Benefits: Eases financial barriers, supporting investor-backed initiatives.
  Website: http://www.phfa.org
• HUD PA Homebuying Programs
  Description: Regional grants, loans, and counseling via HUD-approved agencies.
  Eligibility: Low- to moderate-income buyers, may require education.
  Benefits: Comprehensive support for homeownership.
  Website: http://www.hud.gov

Texas

• Texas My First Texas Home
  Description: 30-year fixed-rate loans with up to 5% down payment/closing cost assistance (grant or deferred).
  Eligibility: First-time/repeat buyers, income limits (e.g., $120,750 in Austin for three), credit score ≥620, education required.
  Benefits: Supports first-time buyers, aligning with community initiatives.
  Website: http://www.tdhca.state.tx.us
• TSAHC Programs
  Description: Up to 5% grants/deferred loans for down payment/closing costs, includes Homes for Texas Heroes and Home Sweet Texas.
  Eligibility: First-time/repeat buyers, income limits (e.g., $97,440 in Harris County), credit score ≥620, education required.
  Benefits: Targets key professions, supporting impactful projects.
  Website: http://www.tsahc.org
• HUD TX Homebuying Programs
  Description: Grants and counseling in Harris/Travis counties via HUD-approved agencies.
  Eligibility: Low- to moderate-income buyers, may require education.
  Benefits: Localized support for high-demand markets.
  Website: http://www.hud.gov
• Corpus Christi Down Payment and Closing Cost Assistance
  Description: Up to $25,000 for down payment, $10,000 for closing costs, forgivable loan.
  Eligibility: First-time buyers in Corpus Christi, income ≤80% AMI, 5-year residency.
  Benefits: Supports local buyers, aligning with urban development.
  Website: http://www.cctexas.com

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Grants for New Home Purchases

These grants help first-time buyers afford down payments and closing costs, making homeownership accessible. Programs offer forgivable loans or non-repayable funds for low- and moderate-income buyers. Explore state-specific options and contact info@laetaregroup.com for bilingual guidance. ¡Hablamos Español!

Connecticut

• CHFA Down Payment Assistance Program: Up to $20,000 forgivable loan (after 5 years if conditions met) for down payment/closing costs statewide. Requires CHFA mortgage, income ≤80% AMI, education. Ideal for Bridgeport/Hartford.
  Website: http://www.chfa.org
• Bridgeport Neighborhood Trust Homebuyer Program: Up to $10,000 grant for first-time buyers in Bridgeport, income ≤80% AMI. Supports down payment/closing costs, requires education.
  Website: http://www.bntweb.org
• New Haven Homeownership Program: Up to $7,500 grant for down payment/closing costs in New Haven, income ≤80% AMI. Requires counseling.
  Website: http://www.newhavenct.gov

Delaware

• DSHA Homeownership Program Grant: Up to $5,000 grant for down payment/closing costs statewide, combinable with Preferred Plus Loan. Income ≤80% AMI, education required.
  Website: destatehousing.com
• Wilmington First-Time Homebuyer Grant: Up to $8,000 grant for low-income buyers in Wilmington, income ≤80% AMI. Requires 5-year residency, counseling.
  Website: http://www.wilmingtonde.gov
• Delaware Rural Housing Incentive Program: Up to $3,000 grant for first-time buyers in rural Delaware (outside Wilmington), income ≤80% AMI.
  Website: destatehousing.com

Maryland

• MMP Partner Match Programs: Up to $2,500 grant with local/employer contributions, combinable with MMP’s $8,500 loan. Available in Baltimore, Prince George’s, Montgomery, income ≤80% AMI.
  Website: mmp.maryland.gov
• Baltimore Homeownership Incentive Program: Up to $10,000 grant for first-time buyers in Baltimore City, income ≤80% AMI, 5-year residency.
  Website: http://www.baltimorecity.gov
• Maryland HomeAbility Program: Up to $5,000 forgivable loan for buyers with disabilities or disabled household members in Montgomery/Prince George’s, income ≤80% AMI.
  Website: mmp.maryland.gov

New Jersey

• NJHMFA Down Payment Assistance Program (DPA): Up to $15,000 (or $22,000 for first-generation buyers) forgivable loan statewide, income ≤140% AMI. Requires NJHMFA mortgage.
  Website: http://www.njhousing.gov
• Trenton First-Time Homebuyer Program: Up to $15,000 forgivable loan for low-income buyers in Trenton, income ≤80% AMI. Requires education.
  Website: http://www.trentonnj.org
• Newark First-Time Homebuyer Program: Up to $10,000 grant for down payment/closing costs in Newark, low- to moderate-income buyers. Requires counseling.
  Website: http://www.newarknj.gov

New York

• NYC HomeFirst Down Payment Assistance Program: Up to $100,000 forgivable loan for down payment/closing costs in NYC boroughs. Income ≤80% AMI, education, 3% down payment. (Learn more below.)
  Website: http://www.nyc.gov
• Housing Opportunities Foundation Grant: $2,000 grant for down payment/closing costs statewide via lottery. Moderate-income buyers, requires real estate agent.
  Website: http://www.nysar.com
• INHS Down Payment Assistance: Up to $20,000 grant for down payment/closing costs in Cayuga, Chemung, Cortland, Schuyler, Seneca, Tioga, Tompkins Counties. Moderate-income, first-time buyers.
  Website: http://www.ithacanhs.org

📣 Featured Grant Alert: NYC Buyers Could Qualify for $100K

Live in NYC? This grant could cover your down payment – learn how to qualify.

If you landed directly on this Grant Alert, we recommend reading the Down Payment Assistance Overview above before continuing.

NYC HomeFirst Down Payment Assistance Program

Unlock up to $100,000 toward your first home in NYC.

The NYC HomeFirst Down Payment Assistance Program offers eligible first-time homebuyers up to $100,000 to assist with down payment or closing costs when purchasing a home in one of the five boroughs of New York City.

✅ Program Highlights:

• Loan Amount: Up to $100,000, based on 20% of the purchase price or the actual down payment and closing costs, whichever is less.
• Eligible Properties: 1-4 family homes, condominiums, or cooperatives located within NYC.
• Forgiveness Terms:
  • Loans ≤ $40,000: Forgiven after 10 years of owner occupancy.
  • Loans > $40,000: Forgiven after 15 years of owner occupancy.
  • For City-funded loans, the owner occupancy period is 15 years regardless of loan amount.
• Income Limits: Household income must not exceed 120% of the Area Median Income (AMI). For example:
  • 1-person household: $130,440
  • 4-person household: $186,360
    (Income limits vary by household size. Please refer to the official guidelines for detailed information.)
• Minimum Contribution: Applicants must contribute at least 3% of the purchase price from their own funds.
• Homebuyer Education: Completion of a homebuyer education course through an HPD-approved counseling agency is required.

📋 Eligibility Requirements:

• Must be a first-time homebuyer.
• Must purchase a 1-4 family home, condominium, or cooperative for owner-occupancy in NYC.
• Must meet income eligibility requirements.
• Must provide a minimum down payment or contract deposit of at least 3% of the total purchase price from personal funds.
• The property must pass a Housing Quality Standards (HQS) inspection before purchase.
• Must reside in the home for the required period based on the loan amount.

📞 How to Apply:

To begin the application process:

1. Complete a Homebuyer Education Course: Enroll in and complete a course offered by an HPD-approved counseling agency.
2. Obtain a Certificate of Eligibility: After completing the course, you’ll receive a certificate verifying your eligibility for the program.
3. Work with a Participating Lender: Present your certificate to a participating lender to get pre-approved for a mortgage loan.
4. Apply for the HomeFirst Loan: With your lender’s assistance, complete the HomeFirst loan application.

For more information and to access the list of HPD-approved counseling agencies and participating lenders, visit the official program page:

👉 NYC HomeFirst Down Payment Assistance Program

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North Carolina

• NC Home Advantage Mortgage Grant: Up to $15,000 forgivable loan (0% interest, deferred, forgiven after 5 years) for down payment in Charlotte, Raleigh, Greensboro. Income ≤80% AMI.
  Website: http://www.nchfa.com
• Charlotte Down Payment Assistance Program: Up to $10,000 grant for first-time buyers in Mecklenburg County, income ≤80% AMI. Requires education.
  Website: http://www.charlottenc.gov
• Raleigh Homebuyer Assistance Program: Up to $7,500 grant for down payment/closing costs in Wake County, low-income buyers, requires counseling.
  Website: http://www.raleighnc.gov

Pennsylvania

• Philly First Home: Up to $10,000 (or 6% of purchase price) grant for down payment/closing costs in Philadelphia, income ≤120% AMI. Requires counseling.
  Website: http://www.phila.gov
• Allegheny County Homeownership Assistance Program: Up to $5,000 grant for down payment/closing costs in Pittsburgh metro, income ≤80% AMI.
  Website: http://www.alleghenycounty.us
• PHFA HOMEstead Assistance: Up to $10,000 forgivable loan (after 10 years) for down payment/closing costs in Bucks, Montgomery, Delaware, income ≤80% AMI.
  Website: http://www.phfa.org

Texas

• TSAHC Homes for Texas Heroes Grant: Up to $20,000 grant for educators, veterans, first-time buyers in Dallas, Houston, Austin, San Antonio, income ≤115% AMI. Requires education.
  Website: http://www.tsahc.org
• Houston Homebuyer Assistance Program: Up to $30,000 grant for first-time buyers in Harris County, income ≤80% AMI. Requires education.
  Website: http://www.houstontx.gov
• Austin Down Payment Assistance Program: Up to $15,000 grant for low-income buyers in Travis County, income ≤80% AMI, 5-year residency.
  Website: http://www.austintexas.gov

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Grants for New Homeowner Home Improvements

These grants support new homeowners with repairs, energy efficiency, or accessibility upgrades, ensuring safe and sustainable homes. Programs offer free or forgivable funds for low-income households. Explore state-specific options and email info@laetaregroup.com for support. ¡Hablamos Español!

Connecticut

• CT Weatherization Assistance Program (WAP): Free grants for low-income homeowners (≤200% poverty level) for energy upgrades (e.g., insulation, air sealing) in Bridgeport, Hartford. Reduces utility costs.
  Website: www.ct.gov
• New Haven Home Repair Program: Up to $10,000 grant for low-income homeowners (≤80% AMI) for repairs (e.g., electrical, plumbing) in New Haven. Enhances home safety.
  Website: www.newhavenct.gov
• USDA Section 504 Home Repair Grant: Up to $10,000 grant for very-low-income homeowners (≤50% AMI) aged ≥62 in rural CT (e.g., Litchfield). For health/safety repairs (e.g., roofing).
  Website: www.rd.usda.gov

Delaware

• Delaware Weatherization Assistance Program (WAP): Free grants for low-income homeowners (≤200% poverty level) for energy upgrades (e.g., insulation, HVAC) in Wilmington, Newark. Saves on utilities.
  Website: dnrec.delaware.gov
• Wilmington Home Repair Program: Up to $7,500 grant for low-income homeowners (≤80% AMI) for critical repairs (e.g., plumbing, electrical) in Wilmington. Ensures safety.
  Website: www.wilmingtonde.gov
• USDA Section 504 Home Repair Grant: Up to $10,000 grant for very-low-income homeowners (≤50% AMI) aged ≥62 in rural DE (e.g., Kent). For health/safety repairs (e.g., accessibility).
  Website: www.rd.usda.gov

Maryland

• Maryland Weatherization Assistance Program (WAP): Free grants for low-income homeowners (≤200% poverty level) for energy upgrades (e.g., insulation, heating) in Baltimore, Prince George’s.
  Website: dhcd.maryland.gov
• Baltimore Restore and Repair Program: Up to $15,000 grant for low-income homeowners (≤80% AMI) in Baltimore for critical repairs (e.g., roofs, HVAC). Enhances livability.
  Website: dhcd.baltimorecity.gov
• USDA Section 504 Home Repair Grant: Up to $10,000 grant for very-low-income homeowners (≤50% AMI) aged ≥62 in rural MD (e.g., outside Baltimore). For health/safety repairs.
  Website: www.rd.usda.gov

New Jersey

• NJ Weatherization Assistance Program (WAP): Free grants for low-income homeowners (≤200% poverty level) for energy upgrades (e.g., insulation, heating) in Newark, Camden. Reduces costs.
  Website: www.nj.gov
• Rebuilding Together: Grants for low-income homeowners (≤80% AMI) for repairs (e.g., roofing, accessibility) in Paterson, Camden. Volunteer-driven, contact local affiliate.
  Website: www.rebuildingtogether.org
• USDA Section 504 Home Repair Grant: Up to $10,000 grant for very-low-income homeowners (≤50% AMI) aged ≥62 in rural NJ (e.g., Sussex). For health/safety repairs (e.g., lead removal).
  Website: www.rd.usda.gov

New York

• NYS Targeted Home Improvement Program (T-HIP): Up to $40,000 grant for low- to moderate-income homeowners (≤80% AMI) for critical repairs (e.g., roofs, utilities) in disinvested areas (e.g., Binghamton).
  Website: hcr.ny.gov
• Home HeadQuarters SHARP Grant: Up to $3,000 grant for low-income homeowners (≤80% AMI) in Syracuse for emergency repairs (e.g., plumbing, electrical). Funded by HUD.
  Website: www.homehq.org
• USDA Section 504 Home Repair Grant: Up to $10,000 grant for very-low-income homeowners (≤50% AMI) aged ≥62 in rural NY (e.g., Sullivan). For health/safety repairs (e.g., lead paint).
  Website: www.rd.usda.gov

North Carolina

• NC Weatherization Assistance Program (WAP): Free grants for low-income homeowners (≤200% poverty level) for energy upgrades (e.g., insulation, air sealing) in Charlotte, Raleigh. Saves on utilities.
  Website: deq.nc.gov
• Charlotte Essential Home Repair Program: Up to $10,000 grant for low-income homeowners (≤80% AMI) in Mecklenburg County for safety repairs (e.g., electrical, plumbing).
  Website: http://www.charlottenc.gov
• USDA Section 504 Home Repair Grant: Up to $10,000 grant for very-low-income homeowners (≤50% AMI) aged ≥62 in rural NC (e.g., outside Charlotte). For health/safety repairs.
  Website: http://www.rd.usda.gov

Pennsylvania

• Philadelphia Home Repair Program: Up to $20,000 grant for low-income homeowners (≤80% AMI) in Philadelphia for critical repairs (e.g., electrical, plumbing, roofing). Prioritizes safety.
  Website: http://www.phila.gov
• Allegheny County Restore, Repair, Renew Program: Up to $10,000 grant for low- to moderate-income homeowners (≤80% AMI) in Pittsburgh for repairs (e.g., windows, insulation).
  Website: http://www.alleghenycounty.us
• USDA Section 504 Home Repair Grant: Up to $10,000 grant for very-low-income homeowners (≤50% AMI) aged ≥62 in rural PA (e.g., Lancaster). For health/safety repairs (e.g., HVAC).
  Website: www.rd.usda.gov

Texas

• Texas Weatherization Assistance Program (WAP): Free grants for low-income homeowners (≤200% poverty level) for energy upgrades (e.g., insulation, heating) in Austin, San Antonio. Funded by DOE.
  Website: http://www.tdhca.state.tx.us
• Houston Home Repair Program: Up to $15,000 grant for low-income homeowners (≤80% AMI) in Harris County for critical repairs (e.g., roofs, plumbing). Enhances home safety.
  Website: http://www.houstontx.gov
• USDA Section 504 Home Repair Grant: Up to $10,000 grant for very-low-income homeowners (≤50% AMI) aged ≥62 in rural TX (e.g., outside Dallas). For health/safety repairs.
  Website: www.rd.usda.gov

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Energy Efficiency Programs

These programs offer rebates, grants, and financing to reduce energy costs through efficiency upgrades and renewable energy, aligning with sustainable living. Explore options below, organized alphabetically by state.

Connecticut

• Energize Connecticut Home Energy Solutions: Free/low-cost energy assessments and up to $1,500 in weatherization rebates for homes in Bridgeport/Hartford. Reduces utility bills.
  Website: http://www.energizect.com
• CT Weatherization Assistance Program: Free insulation/heating upgrades for low-income homeowners in New Haven, funded by DOE.
  Website: http://www.ct.gov

Delaware

• Delaware Weatherization Assistance Program: Free energy-saving upgrades (e.g., insulation, air sealing) for low-income homeowners in Wilmington/New Castle County. Lowers energy costs.
  Website: dnrec.delaware.gov
• Energize Delaware Home Performance with ENERGY STAR: Up to $8,000 in rebates for energy-efficient HVAC, insulation, appliances in Newark homes.
  Website: http://www.energizedelaware.org

Maryland

• Maryland Smart Energy Communities Program: Grants up to $50,000 for energy efficiency projects in Baltimore/Montgomery County, supporting sustainability.
  Website: energy.maryland.gov
• Maryland Weatherization Assistance Program: Free insulation/heating upgrades for low-income homeowners in Prince George’s County. Reduces energy use.
  Website: dhcd.maryland.gov

New Jersey

• NJ Home Performance with ENERGY STAR: Up to $5,000 in rebates and $15,000 in loans for energy-efficient upgrades in Newark/Jersey City homes.
  Website: http://www.njcleanenergy.com
• NJ Weatherization Assistance Program: Free insulation/heating upgrades for low-income homeowners in Camden. Reduces costs.
  Website: http://www.nj.gov

New York

• NYSERDA Residential Energy Programs: Rebates up to $6,000 for energy-efficient HVAC/insulation in Bronx/Long Island, plus low-interest loans.
  Website: http://www.nyserda.ny.gov
• NYSERDA EmPower+ Program: Free energy upgrades (e.g., insulation) for low-income homeowners in Westchester/Hudson Valley. Saves on utilities.
  Website: http://www.nyserda.ny.gov

North Carolina

• NC Weatherization Assistance Program: Free energy upgrades (e.g., insulation, air sealing) for low-income homeowners in Charlotte/Raleigh. Saves on utilities.
  Website: deq.nc.gov
• NC Home Energy Rebate Program: Up to $8,000 in federal tax credits for energy-efficient appliances/insulation in Wake County homes, starting 2025.
  Website: http://www.energy.gov

Pennsylvania

• PA Keystone Energy Program: Grants for energy efficiency upgrades in Philadelphia/Pittsburgh, supporting sustainable improvements.
  Website: http://www.dced.pa.gov
• PA Weatherization Assistance Program: Free insulation/air sealing for low-income homeowners in Montgomery/Allegheny County. Lowers energy bills.
  Website: http://www.dhs.pa.gov

Texas

• Texas LoanSTAR Program: Low-interest loans for energy-efficient HVAC/insulation in Dallas/Houston homes. Reduces utility costs.
  Website: comptroller.texas.gov
• Texas Weatherization Assistance Program: Free energy upgrades for low-income homeowners in Austin/San Antonio, funded by DOE.
  Website: http://www.tdhca.state.tx.us

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Federal and Veteran Programs

These federal and veteran-specific programs offer low-down-payment loans, grants, and assistance for first-time and seasoned homeowners, including military families, across all states.

• FHA Loans
  Description: Low-down-payment (3.5%) mortgages insured by the Federal Housing Administration, available nationwide.
  Eligibility: First-time or repeat buyers, credit score ≥580, debt-to-income ratio ≤43%, primary residence.
  Benefits: Accessible for buyers with lower credit, supporting first-time homebuyers and investor-backed projects.
  Website: http://www.hud.gov
• VA Home Loans
  Description: 0% down payment mortgages for veterans, active-duty military, and eligible spouses, guaranteed by the Department of Veterans Affairs.
  Eligibility: Veterans, active-duty, reservists, or surviving spouses with VA entitlement, credit score ≥620, primary residence.
  Benefits: No down payment or PMI, appealing to veteran clients and community-focused investors.
  Website: http://www.va.gov
• USDA Rural Development Loans
  Description: 0% down payment loans for rural homebuyers, with subsidies for low-income households.
  Eligibility: Buyers in USDA-eligible rural areas, income ≤115% AMI, credit score ≥640, primary residence.
  Benefits: Supports rural homeownership, complementing Habitat’s rural efforts.
  Website: http://www.rd.usda.gov
• VA Specially Adapted Housing (SAH) Grant
  Description: Up to $109,986 (2025) for veterans with service-connected disabilities to adapt homes for accessibility.
  Eligibility: Veterans with qualifying disabilities (e.g., loss of limbs, blindness), own or will own the home.
  Benefits: Enhances accessibility, supporting veteran homeowners and community inclusivity.
  Website: http://www.va.gov

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Seasoned Homeowner Programs

These programs support seasoned homeowners with refinancing, home equity, reverse mortgages, property tax relief, and repair grants to leverage home value, reduce payments, or maintain safe homes. They are ideal for long-term homeowners or retirees seeking financial flexibility or community impact.

Nationwide

• FHA Streamline Refinance
  Description: Simplified refinancing for existing FHA loan holders to lower monthly payments or interest rates with minimal paperwork.
  Eligibility: Current FHA loan, on-time payments for 6 months, credit score ≥580, primary residence, 210 days since last mortgage payment, at least 6 payments made.
  Benefits: Reduces payments without income verification or appraisal, supporting financial stability. Website: http://www.hud.gov
• VA Interest Rate Reduction Refinance Loan (IRRRL)
  Description: Refinancing for existing VA loan holders to lower interest rates or payments, with closing costs rolled into the loan.
  Eligibility: Current VA loan, on-time payments for 6 months, credit score ≥620, primary residence, meets VA service requirements.
  Benefits: Lowers costs for veterans without upfront costs, aligning with community support. Website: http://www.va.gov
• Home Equity Conversion Mortgage (HECM)
  Description: FHA-insured reverse mortgage for homeowners aged ≥62 to convert home equity into cash without monthly payments.
  Eligibility: Age ≥62, own home outright or low mortgage balance, primary residence, complete HUD-approved counseling, home value below 2025 FHA limit ($806,500 most counties, $1,209,750 high-cost areas).
  Benefits: Provides financial flexibility for seniors, repaid when home is sold or owner moves. Website: http://www.hud.gov
• FHA Cash-Out Refinance
  Description: Refinances existing mortgage for more than owed, providing cash up to 80% of home’s appraised value minus current balance.
  Eligibility: Any loan type, credit score ≥580, debt-to-income ratio ≤45%, primary residence, 6 months of on-time payments, sufficient equity.
  Benefits: Funds home improvements, debt consolidation, or investments. Website: http://www.hud.gov
• Home Equity Loan
  Description: Second mortgage providing a lump-sum cash payment based on home equity, with fixed interest rates (average 8.38% in 2025).
  Eligibility: Minimum 20% equity, credit score ≥620, debt-to-income ratio ≤45%, primary or second home, stable income.
  Benefits: Funds repairs or renovations; interest may be tax-deductible for eligible improvements. Website: http://www.nerdwallet.com
• Home Equity Line of Credit (HELOC)
  Description: Secured line of credit with variable interest rates (average 8% in 2025), allowing borrowing during a draw period (typically 10 years).
  Eligibility: Minimum 20% equity, credit score ≥620, debt-to-income ratio ≤45%, primary or second home, stable income.
  Benefits: Flexible access to funds, with tax-deductible interest for home improvements. Website: http://www.nerdwallet.com

Connecticut

• Connecticut Property Tax Relief for Elderly/Disabled Homeowners
  Description: Tax credit or freeze for homeowners aged ≥65 or totally disabled, reducing property tax burdens.
  Eligibility: Age ≥65 or disabled, income ≤$49,100 (single) or $60,100 (married), own primary residence, apply through local assessor.
  Benefits: Lowers tax costs, freeing funds for repairs or living expenses. Website: http://www.ct.gov

Delaware

• Delaware Senior Property Tax Credit
  Description: Up to $500 annual tax credit for homeowners aged ≥65 to offset school property taxes.
  Eligibility: Age ≥65, own primary residence for ≥10 years, income ≤$50,000 (including spouse), apply through county assessor.
  Benefits: Reduces tax burden, enabling home maintenance. Website: finance.delaware.gov

Maryland

• Maryland Homeowners’ Property Tax Credit Program
  Description: Tax credit for homeowners with high property taxes relative to income.
  Eligibility: All ages, income ≤$60,000, net worth ≤$200,000 (excluding home), primary residence, apply by October 1.
  Benefits: Caps tax liability, supporting financial flexibility. Website: dat.maryland.gov

New Jersey

• New Jersey Senior Freeze (Property Tax Reimbursement)
  Description: Reimburses seniors for property tax increases, freezing taxes at a base year amount.
  Eligibility: Age ≥65 or disabled, income ≤$150,000 (2025), own and live in home since December 31, 2020, paid taxes on time.
  Benefits: Stabilizes tax costs for repairs or community projects. Website: http://www.nj.gov

New York

• New York STAR (School Tax Relief) Enhanced Credit
  Description: Property tax rebate or exemption for homeowners aged ≥65, reducing school taxes.
  Eligibility: Age ≥65, income ≤$93,200, own primary residence, apply through local assessor or NYS Tax Department.
  Benefits: Lowers taxes (up to $650 credit), freeing funds for upkeep. Website: http://www.tax.ny.gov

North Carolina

• North Carolina Elderly/Disabled Homestead Exclusion
  Description: Reduces taxable value of primary residence by up to $25,000 or 50% for seniors or disabled.
  Eligibility: Age ≥65 or totally disabled, income ≤$37,600, own primary residence, apply through county tax office.
  Benefits: Lowers taxes, supporting financial stability. Website: http://www.ncdor.gov

Pennsylvania

• Pennsylvania Property Tax/Rent Rebate Program
  Description: Rebates up to $1,000 for seniors, widows/widowers, or disabled homeowners on taxes or rent.
  Eligibility: Age ≥65, widow/widower ≥50, or disabled ≥16, income ≤$45,000 (excluding half of Social Security), own or rent primary residence.
  Benefits: Reduces costs, enabling home maintenance. Website: http://www.revenue.pa.gov

Texas

• Texas Senior Property Tax Exemption
  Description: Exempts portion of home’s value from school taxes for homeowners aged ≥65, with optional local exemptions.
  Eligibility: Age ≥65, own primary residence, apply through county appraisal district, may freeze school taxes.
  Benefits: Reduces taxes, freeing funds for repairs or investments. Website: comptroller.texas.gov
• Rebuilding Together Houston
  Description: Grants for low-income homeowners for repairs (e.g., roofing, plumbing, accessibility) in Harris County.
  Eligibility: Income ≤80% AMI, own primary residence, priority for seniors, veterans, or disabled, contact local affiliate.
  Benefits: Enhances home safety, supporting revitalization. Website: http://www.rebuildingtogetherhouston.org

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Accessibility and Disaster Recovery Programs

These programs provide grants for accessibility upgrades and disaster recovery, ensuring safe and resilient homes.

• Rebuilding Together National
  Description: Grants for low-income homeowners for repairs, accessibility upgrades, or energy efficiency in all states.
  Eligibility: Income ≤80% AMI, own home, contact local affiliate for availability.
  Benefits: Enhances home safety and accessibility, supporting community revitalization.
  Website: http://www.rebuildingtogether.org
• FEMA Individual Assistance Grants
  Description: Up to $42,500 (2025) for homeowners in disaster-declared areas for repairs or temporary housing.
  Eligibility: Homeowners in FEMA-declared disaster areas, apply within 60 days of declaration.
  Benefits: Supports recovery in flood-prone areas, aligning with resilient communities.
  Website: http://www.fema.gov
• HUD Community Development Block Grant (CDBG)
  Description: Grants for home repairs, accessibility, or disaster recovery in low-income communities, administered locally.
  Eligibility: Low- to moderate-income homeowners, varies by local program.
  Benefits: Flexible support for community-driven home improvements.
  Website: http://www.hud.gov

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Frequently Asked Questions (FAQ)

This section answers common questions about applying for grants and loans, combining programs, and understanding tax implications, empowering you to navigate homeownership with confidence. For personalized real estate guidance, email info@laetaregroup.com. ¡Hablamos Español!

• How do I apply for grants or loans in the Laetare Group Grant Finder Library?
  Contact the program’s administering agency (e.g., CHFA, PHFA, HUD) or a HUD-approved housing counselor via the program’s website for applications and eligibility details. Provide proof of income, residency, and homeownership; many require homebuyer education. Grants like USDA Section 504 or Rebuilding Together are managed through local offices. Processing takes 30–90 days.
• Can I combine multiple grants or loans to maximize assistance?
  Yes, programs like CHFA Down Payment Assistance pair with CHFA mortgages, and TSAHC grants combine with Texas My First Texas Home loans. Federal programs (e.g., FHA) may work with state grants (e.g., NYC HomeFirst), but check with administrators to ensure compatibility and avoid repayment issues.
• What are the tax implications of grants, loans, or home equity programs?
  Grants (e.g., Philly First) are typically tax-exempt for down payment/closing costs. Forgivable loans (e.g., SONYMA DPA) may be taxable if forgiven. Home equity loans/HELOCs offer tax-deductible interest for IRS-eligible home improvements (IRS Publication 936). Reverse mortgages (HECM) provide tax-free funds but accrue interest, reducing estate value. Consult a tax advisor.
• Do I need a good credit score to qualify for these programs?
  Credit varies: first-time buyer programs (e.g., MMP, SONYMA) accept ≥620, FHA loans ≥580 (or 500 with higher down payment). Seasoned homeowner programs (e.g., FHA Streamline) may not require credit checks if payments are on-time. Grants (e.g., USDA Section 504) focus on income. Check reports for errors before applying.
• What if I’m a seasoned homeowner facing financial hardship?
  The Homeowner Assistance Fund (HAF) offers grants for mortgage payments or taxes in some states (until September 2026). Refinancing (e.g., FHA Streamline) or reverse mortgages (HECM) lower payments or provide cash. Property tax relief (e.g., NJ Senior Freeze) reduces costs. Visit state HAF websites for details.

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Explore Your Options

For guidance on grants, loans, or homeownership programs, connect with HUD-approved housing counselors or program administrators:

• Find a HUD Counselor: Visit http://www.hud.gov or call (800) 569-4287 for free or low-cost assistance, including bilingual support.
• Program Contacts: Use the website links for each program to access applications, FAQs, and local offices.
• Nonprofit Support: Organizations like Habitat for Humanity and Catholic Charities offer housing resources in your community.

Explore Your Options

For guidance on grants, loans, or homeownership programs, connect with HUD-approved housing counselors or program administrators:

• Find a HUD Counselor: Visit http://www.hud.gov or call (800) 569-4287 for free or low-cost assistance, including bilingual support.
• Program Contacts: Use the website links for each program to access applications, FAQs, and local offices.
• Nonprofit Support: Connect with these organizations for housing resources in your community, many offering bilingual assistance:
  • Habitat for Humanity: Builds affordable homes for low-income families through volunteer-driven projects. www.habitat.org
  • Catholic Charities: Provides rental assistance, housing counseling, and homeless prevention services. www.catholiccharitiesusa.org
  • Rebuilding Together: Offers free home repairs and accessibility upgrades for low-income homeowners. www.rebuildingtogether.org
  • Family Promise: Supports families facing homelessness with shelter and housing stabilization services. www.familypromise.org
  • Homes For Our Troops: Constructs mortgage-free, adapted homes for severely injured post-9/11 veterans. www.hfotusa.org
  • The Fuller Center for Housing: Builds and repairs homes for low-income families with flexible repayment options. www.fullercenter.org
  • HomeAid America: Partners with builders to create housing for homeless individuals and families. www.homeaid.org

For real estate services (buying, selling, or investing), contact us:
“My people will live in peaceful dwelling places, in secure homes, in undisturbed places of rest.” – Isaiah 32:18

📩 Email: info@laetaregroup.com (for real estate inquiries only)

🕊️ Laetare Group – Rejoicing in Stewardship, Building with Purpose

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Laetare Group does not offer legal, financial, or tax advice. Transactions require due diligence. Not affiliated with Laetare Health. See our Disclaimer.