Federal Home Buying Grants (CERTIFIED)

: Specific funds to help cover the 2%–5% of the home price typically required for closing. Typical Eligibility Requirements

While direct federal grants are rare, the following programs provide significant financial support:

To qualify for most federally funded home-buying programs, you generally need: federal home buying grants

: Defined as not having owned a home in the past three years.

: Programs like the Homebuyer Dream Program provide grants up to $30,000 for down payments and closing costs for those earning 80% or less of the Area Median Income. Indirect Federal Grants (State & Local) : Specific funds to help cover the 2%–5%

: Mandatory completion of a HUD-approved homebuyer education course. Home buying assistance | USAGov

: Managed by HUD, this program provides a 50% discount on the list price of a home for law enforcement officers, teachers, firefighters, and EMTs in revitalization areas. Indirect Federal Grants (State & Local) : Mandatory

: Allows low-income families to use their federal housing vouchers toward monthly mortgage payments and other homeownership expenses.