20+ states offer $10K–$25K forgivable grants specifically for buyers whose parents never owned a home.
First-Generation Homebuyer programs — active in CA (Dream For All), MA (ONE+Boston), MN First Gen, NY, NJ, MD, IL, VA, PA, and expanding — provide $10K–$150K in forgivable/deferred DPA to buyers whose parents (or the buyer previously) never owned a home. CA's Dream For All is a shared-appreciation model (state gets 20% of appreciation back); most others are forgivable after 5–10 years of occupancy. Income and price limits apply.
Click Generate advisory deep dive for mechanics, IRC citations, a step-by-step execution plan, a worked numeric example on your profile, costs, risks, and this-week actions.
Eligible veterans buy with $0 down, no PMI, and assumable rates.
0% down in USDA-eligible areas — includes many suburban zip codes.
Neighborhood Assistance Corp of America — below-market rate, zero down.
Fannie / Freddie low-income programs — 3% down + reduced PMI.
1.25–2.25% down for enrolled tribal members — nationwide.
State / county / employer DPA — $5K–$50K forgivable or 0% deferred 2nd.
$100 total down on FHA-repossessed homes for owner-occupants.
3.5% down + rehab budget rolled into one loan — buy distressed properties.