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.
Your household income must usually be below 80% or 100% of the Area Median Income (AMI). how to get a free grant to buy a house
Most "free" funds are structured as true grants (no repayment) or forgivable loans (repayment waived after living in the home for a set period). The HUD Good Neighbor Next Door program allows
These are the most common sources. For example, the Texas State Affordable Housing Corporation offers grants up to 5% of the loan amount, while New York's HomeFirst program can provide up to $100,000 for buyers in NYC. These are the most common sources
: Offers a Homebuyer Grant of up to $5,000 in eligible communities.
Many grants require you to complete a HUD-approved education course. 3. How to Find and Apply Grants for First-Time Home Buyers | 2026 Guide
Defined as not owning a primary residence in the last three years.