State, county and city programs that cover your down payment and closing costs, and how to combine them.
Reviewed and updated October 3, 2026 by Ryan and Megan Winslow, Winslow Homes
For most first-time buyers, the monthly payment is not the hardest part. The down payment and closing costs are. Assistance programs close that gap, usually as a second loan that sits behind your first mortgage. Some are deferred, some are forgivable and some are repaid monthly.
Funding opens and closes during the year. Ryan and Megan confirm what is open for your town before you reserve.
Yes. Florida, Massachusetts, Rhode Island and Connecticut each run statewide programs, and many counties and cities add their own.
Often, yes. Some state and local programs stack. Ryan and Megan check the rules for your exact address.
It depends on the program. Some are forgiven over time, some are due when you sell or refinance, and some are repaid monthly.
A short call with Ryan and Megan shows which programs fit your income, your job and the homes you want.
Ryan and Megan serve Miami, Fort Lauderdale, New Smyrna Beach, Orlando, the Florida Keys and the surrounding towns in Florida, Worcester County and Boston and Suffolk County in Massachusetts, plus Rhode Island and Connecticut. Call or text 386-690-5858.
Instant answers on programs, payments, towns and homes, any time, in English or Spanish. Ryan and Megan follow up personally.
Estimates from your inputs only. Not a loan offer, rate quote or approval. Ryan and Megan, Mortgage Bankers with The Federal Savings Bank (NMLS #411500), confirm real numbers.
