Help the First Time Home Buyer and Help You Sell Your Home Fast

There are several first time home buyer assistant programs from federal or state government. Those programs offer free money for first time home buyers who need help with the down payment and closing costs. The free money comes in the form of government grants.

While selling your home, you should provide this information to your buyer who has made offer to you. This may help you to close your deal fast. You can also use this as one of the marketing tools in your ads by stating “First time home buyer assistant programs available”.

After your buyer sign the contract with you, you can provide following information to them to let them apply for the grants or funds.

1. HUD First Time Home Buyer Grants

There are federal funds and grants available to first time home buyers through the Homes and Communities program of the United States Department of Housing and Urban Development (HUD). Every potential first time home buyer should investigate what they have to offer. Click this link: US Dept. of Housing and Urban Development. to get detail information.There is also a website that has a complete list of all grant programs available through the United States Federal Government: http://www.grants.gov.

2. State or Local First Time Home Buyer Grants

Following Listed below are links to first time home buyer grants available in each state. There are many resources where the prospective first time home buyer can apply to receive the financial grant necessary to qualify for financing her first home. >

Alabama does not currently offer first time home buyer grants. Only offers below market interest rates to first time home buyers. Depending on your income, in some cases the interest rate is zero. While this is not technically a grant, it is the same net effect. You are basically given the money you would have paid in interest on your mortgage loan. There are other grant options available to residents of

Alabama as well. For detail info, click this link: Alabama First Time Home Buyer Grants.

Alaska does provide a variety of first time home buyer grant programs. For detail info,  click this link: Alaska First Time Home Buyer Grants

Arizona provides several first time home buyer grant programs. For detail info, click this link: Arizona First Time Home Buyer Grants

Arkansas provides one first time home buyer grant program, the Down payment Assistance Program. For detail info, click this link: Arkansas First Time Home Buyer Grant.

California does not currently offer first time home buyer grants. They do, however, offer low-interest loans to first time home buyers who meet certain income limits. There are also local grant programs available in various communities. For detail info, click this link: California First Time Home Buyer Grants.

Colorado doesn't currently offer first time home buyer grants, but they do offer low-interest loans to first time home buyers who meet certain income limits. There are also local grant programs available in various communities. For detail info, click this link: Colorado First Time Home Buyer Grants .

Connecticut doesn't currently offer first time home buyer grants, but does offer low-interest loans to first time home buyers who meet certain income limits. There are also local grant programs available in various communities. For detail info, click this link: Connecticut First Time Home Buyer Grants .

Delaware provides one first time home buyer grant program which will give you a grant up to 3% of the mortgage amount which is available to pay closing costs. For detail info, click this link:  Delaware First Time Home Buyer Grant.

Florida does provides a few different first time home buyer grant programs. For detail info, click this link: Florida First Time Home Buyer Grants.

Georgia provides one first time home buyer grant program. For detail info, click this link: Georgia First Time Home Buyer Grant.

Hawaii through the Department of Hawaiian Home Lands, hopes to award thousands of native Hawaiians in the next five years. For detail info, click this link: Hawaii First Time Home Buyer Grants.

Idaho does not currently offer first time home buyer grants, but does offer low-interest loans to first time home buyers who meet certain income limits. There are also local grant programs available in various communities. For detail info, click this link: Idaho First Time Home Buyer Grants.

Illinois provides one first time home buyer grant program for low-income first time home buyers. For detail info, click this link: Illinois First Time Home Buyer Grant.

Indiana does not currently provides a first time home buyer grant program, but they do offer a loan that can turn into a grant. You can receive up to $3,500. For detail info, click this link: Indiana First Time Home Buyer Grant.

Iowa provides several first time home buyer grant programs. For detail info, click this link: Iowa First Time Home Buyer Grants.

Kansas offers a first time home buyer program. For detail info, click this link Kansas First Time Home Buyer Grant.

Kentucky does not currently provide a first time home buyer grant program, but they do offer several loan programs that can turn into a grants. You can receive up to $10,000 depending upon your income. For detail info, click this link Kentucky First Time Home Buyer Grants .

Louisiana does not currently offer first time home buyer grants, but does offer low-interest loans to first time home buyers who meet certain income limits. There are also local grant programs available in various communities. For detail info, click this link: Louisiana First Time Home Buyer Grants.

Maine provides one first time home buyer grant program and is it called “ Maine Assist”.  For detail info, click this link: Maine First Time Home Buyer Grant.

Maryland does not currently offer first time home buyer grants, but only provides reduced interest loans. There are, however, local grant programs . For detail info, click this link: Maryland First Time Home Buyer Grants.

Massachusetts does not currently offer first time home buyer grants, but only provides reduced interest loans. There are, however, local grant programs. For detail info, click this link:  Massachusetts First Time Home Buyer Grants.

Michigan does not currently offer first time home buyer grants, but only provides reduced interest loans. There are, however, local grant programs. For detail info, click this link: Michigan First Time Home Buyer Grants.

Minnesota does not currently offer first time home buyer grants, but only provides reduced interest loans. There are, however, dozens of local grant programs For detail info, click this link: Minnesota First Time Home Buyer Grants.

Mississippi provides one first time home buyer grant program: Down Payment Assistance Program. You can receive up to 3% of the mortgage amount. For detail info, click this link: Mississippi First Time Home Buyer Grant.

Missouri provides one first time home buyer grant program: First Place Loan Program. You can receive up to 3% of the mortgage amount as a grant. For detail info, click this link: Missouri First Time Home Buyer Grant.

Montana does not currently offer first time home buyer grants, but only provides reduced interest loans. There are, however, local grant programs. For detail info, click this link: Montana First Time Home Buyer Grants.

Nebraska provides one first time home buyer grant program: Single Family Homebuyer Assistance. You can receive up to 4.25% of the mortgage amount as a loan that turns into a grant. For detail info, click this link: Nebraska First Time Home Buyer Grant.

Nevada does not currently offer first time home buyer grants, but only provides reduced interest loans. There are, however, local grant programs. For detail info, click this link: Nevada First Time Home Buyer Grants.

New Hampshire provides one first time home buyer cash grant program: Single Family Mortgage Program. You can receive up to 4% of the mortgage amount as a cash grant. For more information, For detail info, click this link: New Hampshire First Time Home Buyer Grant.

New Jersey provides a unique first time home buyer grant program: Individual Development Accounts. You can receive a grant of up to $4 for every dollar you save towards the down payment for your first home. For detail info, click this link: New Jersey First Time Home Buyer Grant .

New Mexico does not currently offer first time home buyer grants, but only provides reduced interest loans. There are, however,  local grant programs . For detail info, click this link: New Mexico First Time Home Buyer Grants .

New York provides one first time home buyer grant program, but like some other states, it is a loan that turns into a grant after a period of time. You can receive up to 5% of the mortgage amount. For detail info, click this link: New York First Time Home Buyer Grant.

North Carolina provides one program that is very close to a grant: The American Dream Down payment Initiative. First time home buyers can get up to $7,000 for use toward the down payment and closing costs. For detail info, click this link: North Carolina First Time Home Buyer Grant.

North Dakota provides one first time home buyer cash grant program: Start Program. You can receive up to 3% of the mortgage amount as a cash grant. For detail info, click this link: North Dakota First Time Home Buyer Grant.

Ohio provides one cash grant program. First time home buyers can receive a grant of 2% of the home's purchase price. For detail info, click this link: Ohio First Time Home Buyer Grant.

Oklahoma provides one cash grant program for first time home buyers who do not have funds for the down payment and closing costs: 1st Gold. For detail info, click this link: Oklahoma First Time Home Buyer Grant.

Oregon provides one program that is very close to a grant: Purchase Assistance Loan. First time home buyers can get up to $10,000 for use toward the down payment and closing costs. For detail info, click this link:  Oregon First Time Home Buyer Grant.Pennsylvania provides one program that is very close to a grant:

HOMEstead. First time home buyers can get up to $15,000 for use toward the down payment and closing costs. For detail info, click this link: Pennsylvania First Time Home Buyer Grant.

Rhode Island does not currently offer first time home buyer grants, but only provides reduced interest loans. There are, however, local grant programs. For detail info, click this link: Rhode Island First Time Home Buyer Grants .

South Carolina provides one first time home buyer grant program, but like some other states, it is a loan that turns into a grant after a period of time. You can receive up to $4,000 that is forgiven if you remain in your home for 5 years. For detail info, click this link: South Carolina First Time Home Buyer Grants.

South Dakota provides one program that is very close to a grant: The American Dream Down payment Initiative. First time home buyers can get a zero-interest loan for use toward the down payment and closing costs. What you would have paid in interest in effect becomes a grant. For detail info, click this link: South Dakota First Time Home Buyer Grant.

Tennessee provides one first time home buyer grant program: American Dream Down payment Initiative grant. You can receive up to $5,000 that is forgiven if you remain in your home for 5 years. For detail info, click this link:  Tennessee First Time Home Buyer Grant.

Texas provides one first time home buyer grant program:  Program 61 - Non-targeted. However, it is currently out of funding. When the program gets renewed funding, first time home buyers can get a cash grant of 4% to be used for down payment and closing costs. For detail info, click this link:  Texas First Time Home Buyer Grant.

Utah does not currently offer first time home buyer grants, but only provides reduced interest loans. However, there are other grant options available to residents of

Utah. For detail info, click this link: Utah First Time Home Buyer Grants .

Vermont provides one first time home buyer grant program, but like some other states, it is a loan that turns into a grant after a period of time. You can receive up to 3% of your loan amount that is forgiven if you remain in your home for 4 years. For detail info, click this link: Vermont First Time Home Buyer Grant.

Virginia does not currently offer first time home buyer grants, but only provides reduced interest loans. However, there are other grant options available to residents of

Virginia. For detail info, click this link: Virginia First Time Home Buyer Grants .

Washington does not currently offer first time home buyer grants, but only provides reduced interest loans. However, there are other grant options available to residents of

Washington. For detail info, click this link: Washington First Time Home Buyer Grants .

Wisconsin does not currently offer first time home buyer grants, but only provides reduced interest loans. However, there are other grant options available to residents of

Washington. For detail info, click this link: Wisconsin First Time Home Buyer Grants .

Wyoming provides one first time home buyer grant program, but like some other states, it is a loan that turns into a grant after a period of time. You can receive up to $2,000 that is forgiven if you remain in your home for 30 years. For detail info, click this link: Wyoming First Time Home Buyer Grants.

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