: Their America’s Home Grant provides up to $7,500 in closing cost credits, and their Down Payment Grant offers up to $10,000 in select markets.

While each program differs, most require you to meet these standards:

Most programs require a minimum score, often starting around 620.

The HUD Good Neighbor Next Door program allows teachers, law enforcement officers, firefighters, and EMTs to buy homes at a 50% discount in designated areas, provided they live there for three years.

Major banks offer proprietary grants to attract borrowers.