$10K Home Buyer's Grant

What Is The $10k Home Buyers Grant?

The $10k home buyers grant is like a big gift of $10,000 to help people buy their first home

Who Can Get It?

It’s for people who have never owned a home before, or maybe haven't owned one in a long time

How Do You Get It?

You have to ask for it, kind of like signing up for a contest. You might need to show how much money you make and that you’re really going to live in the house

What Can You Use It For?

You can use this money to help pay for your upfront costs, like for the money you need to give at the beginning (called a down payment) or for the fees when you buy the house (called closing costs)

Do You Have To Pay It Back?

If you live in the house for a certain number of years, you might not have to pay the money back. But if you sell the house or move too soon, you might need to pay the money back. This all depends on where you live and your current income.

Where Can I Get One?

There are many places you can go to apply for this.

The Housing Authority - A place in your town or city where they help people find homes

State Office - Each state has a special office that helps people buy homes. You can look them up online by searching for your state's housing finance agency.

U.S. Department of Housing and Urban Development (HUD) - This is a big organization that helps people with houses all over the country. Their website has information about various programs and can direct you to resources in your area.

Banks/Lenders - Some banks and mortgage lenders partner with state and local programs to offer grants. You can ask your bank if they have any first-time home buyer programs.

Real Estate Agents - Real estate agents often know about local grants and programs. They usually know about the grants and can help you find one.

Online Search - “first-time home buyer grants” along with the name of your state or city to find specific programs.

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