Most states run their own down-payment assistance, first-time buyer, or rural land programs through a state Housing Finance Agency (HFA), separate from federal programs. Click a state on the map, or use the list below.
Map boundaries adapted from Wikimedia Commons (CC BY-SA 3.0).
These run independently of your state's own programs and are worth checking regardless of where you're buying.
Guaranteed and direct loan programs for eligible rural properties, often with no down payment required for qualifying buyers and income levels.
Direct and guaranteed farm ownership loans for buying agricultural land, aimed particularly at beginning and underserved farmers and ranchers.
For eligible veterans and service members — can be used to purchase land together with construction of a home in many cases, with no down payment required.
The national association of state housing finance agencies maintains a verified directory linking to every state's official agency.
