Federal Home Buying Grants May 2026

: Often structured as a grant or a "silent" second mortgage that is forgiven if you stay in the home for a set period.

: Offers 100% financing (no down payment) for low- and moderate-income households in eligible rural areas. federal home buying grants

: Defined as not having owned a home in the past three years. : Often structured as a grant or a

: Most programs are capped at 80%–120% of the Area Median Income (AMI). and EMTs in revitalization areas.

While direct federal grants are rare, the following programs provide significant financial support:

: Managed by HUD, this program provides a 50% discount on the list price of a home for law enforcement officers, teachers, firefighters, and EMTs in revitalization areas.