State Housing Programs
State Housing Loan Programs
State housing loan programs are mortgage assistance programs offered by state housing finance agencies (HFAs) to help first-time homebuyers, low-to-moderate-income borrowers, and sometimes even repeat buyers afford a home.
Connecticut: Connecticut Housing Finance Authority
Connecticut Housing Finance Authority (CHFA) loans are mortgage programs designed to help first-time homebuyers and other eligible borrowers afford a home in Connecticut. CHFA offers competitive interest rates, down payment assistance, and flexible loan options to make homeownership more accessible.
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Low interest rates
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Down payment assistance (DPA)
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First-time homebuyer focus
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Government backed loan options
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Homebuyer education required
Florida: Florida Housing Finance Corporation
Florida Housing Finance Corporation (Florida Housing) offers various loan programs designed to help first-time homebuyers and low-to-moderate-income borrowers afford a home. These programs typically provide down payment and closing cost assistance, lower interest rates, and favorable loan terms.
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Low interest rates
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Down payment and closing cost assistance
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No or reduced Mortgage Insurance
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Special program for Veterans
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Tax credit savings
Maine: MaineHousing Loans
Maine Housing Loans are mortgage programs offered by the Maine State Housing Authority (MaineHousing) to help first-time homebuyers and eligible borrowers purchase homes with affordable financing. These loans typically come with benefits like lower interest rates, down payment assistance, and reduced mortgage insurance costs.
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Low, fixed interest rates
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Down payment and closing cost assistance
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Reduced Mortgage Insurance
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Eligibility for multi-unit homes
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First-time homebuyer requirement
Massachusetts: MassHousing
MassHousing loans are mortgage programs offered by MassHousing that provide affordable housing financing. These loans are designed to help first-time homebuyers and low-to-moderate-income borrowers purchase or refinance a home with competitive terms and unique benefits.
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Low down payment options
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No private mortgage insurance (PMI) options
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Down payment assistance (DPA)
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MI plus mortgage insurance
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Affordable interest rates
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Programs for multi-family homes
New Hampshire: New Hampshire Housing
New Hampshire Housing loans are mortgage programs offered through New Hampshire Housing Finance Authority (NHHFA) to help homebuyers—especially first-time buyers—afford a home. These loans often come with competitive interest rates, down payment assistance, and other benefits.
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Low down payment options
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Down payment assistance (DPA)
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Competitive interest rates
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Reduced Mortgage Insurance
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Flexible loan options
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Homebuyer education programs
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Programs for multi-family homes
Rhode Island: RI Housing
RI Housing loans are mortgage programs offered by Rhode Island Housing (RIHousing) to help first-time homebuyers and eligible borrowers afford homeownership in Rhode Island. These loans often come with competitive interest rates, low down payment options, and financial assistance programs for down payment and closing costs.
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First-time homebuyer focus
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Low down payment options
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Down payment & closing cost assistance
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Low interest rates