VERIFIED FUNDING, PLAIN ENGLISH
A HomeMortgageForYou.net resource with official links, clear eligibility rules, honest fee disclosures, and dates checked by a human—so you can quickly decide what is worth your time.
Explore verified grantsPRIVATE, INSTANT MATCHER
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ANONYMOUS MORTGAGE READINESS CHECK
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This tool is for education only. It is not a mortgage application, approval, prequalification, credit decision, or guarantee. A licensed lender must review verified income, debts, credit, assets, property details, and loan-program rules.
VERIFIED GRANTS FIRST
These programs provide grant funds or a lender credit. Any retention or early-refinance condition is stated plainly. Eligibility is usually limited by property location, income, mortgage product, participating lender, or available funding.
Eligible first-time buyers apply through a participating FHLB Dallas member. A five-year retention period applies, and some sales or refinances can trigger prorated repayment.
Check participating institutions ↗Qualifying first-time buyers in select markets may receive up to 3% of the purchase price for down payment. No repayment is required.
Check location eligibility ↗Qualifying Bank of America borrowers in select markets may receive a non-repayable credit for eligible closing costs or an interest-rate buydown.
Search eligible markets ↗Location- and income-eligible borrowers may receive a non-repayable down-payment grant that can be combined with select programs.
Use the eligibility lookup ↗Qualifying primary-residence buyers in selected census tracts may receive a non-repayable grant for rate reduction, fees, closing costs, or eligible down payment.
Review Chase grant rules ↗Some TSAHC mortgage options include a down-payment grant. The grant is not repaid unless the first mortgage is refinanced or otherwise paid off within the first six months.
Review TSAHC repayment rules ↗NOT GRANTS
These forgivable loans, discounts, and specialized mortgage programs may still help, but they are deliberately separated from the grants above.
TDHCA offers qualifying first-time buyers a 30-year mortgage with down-payment and closing-cost assistance. Current options can include repayable or forgivable second liens.
A TDHCA mortgage and assistance option that does not require the applicant to be a first-time buyer. Available assistance and rates can change.
Home Sweet Texas and Homes for Texas Heroes can provide qualifying buyers with down-payment assistance structured as a grant or forgivable second lien.
HUD links buyers to state and local homebuying programs, housing counselors, FHA information, and special homeownership resources.
This is a subsidized home loan—not a grant—for eligible low- and very-low-income buyers in qualifying rural areas. No down payment is typically required.
Income-eligible first-time buyers purchasing in Austin may qualify for assistance with down payment, closing costs, and prepaid expenses.
DHAP supports qualifying low- to moderate-income buyers purchasing within Dallas with down-payment, closing-cost, or principal-reduction assistance.
The city program can provide substantial assistance through a no-interest forgivable loan, but its official page currently says new applications are on hold because of limited funding.
Eligible teachers, law-enforcement officers, firefighters, and EMTs can purchase limited HUD homes in revitalization areas at a 50% discount.
Find out whether assistance must be repaid when you sell, refinance, move, or pay off the first mortgage. Compare the interest rate and fees with a loan that has no assistance.
Programs checked against official agency sources on August 7, 2026. Funding availability, rates, limits, and lender participation can change without notice.
FRESHNESS POLICY
Listings with a fixed closing date move out of the current directory after 11:59 p.m. on the published deadline. Visitors can still view them in the clearly marked closed archive.
Time-sensitive government opportunities are scheduled for weekly checks. Recurring and private programs are reviewed at least monthly and whenever a visitor reports a change.
Automated checks flag dates and unavailable pages, but eligibility, fees, and award details are confirmed against the provider's official page before a listing is promoted again.
Next scheduled directory review: August 14, 2026. Every promotion should link to the live directory—not a copied deadline—and remind applicants to confirm the official source before applying.
OUR STANDARD
We trace the opportunity to a government agency, established nonprofit, or provider-owned corporate page.
We review applicant type, deadline, amount, geographic limits, and any fee or membership requirement.
Every card sends you to the official source—not a lead-selling form or copied application.
Listings show when the directory was reviewed. Always recheck the provider page before applying.
GRANT SAFETY
Some legitimate private contests charge a disclosed application or membership fee. That is different from a stranger demanding taxes, gift cards, cryptocurrency, banking passwords, or a processing payment before sending an award.
FREE PRINTABLE TOOLS
These PDFs are designed for standard letter-size printing. They are educational worksheets—not applications—and never ask for passwords or banking credentials.
Check program fit, financial preparation, repayment terms, and lender readiness.
Download PDF ↓Organize your homebuying goal, household snapshot, documents, and lender questions.
Download PDF ↓Compare two assistance offers, repayment triggers, mortgage rates, fees, and total cost.
Download PDF ↓Gather identity, income, asset, debt, and program documents securely.
Download PDF ↓Grant Scout is an educational directory operated by Investors Developers & Associates, LLC, NMLS #2094342. It is not a grant provider, government agency, financial adviser, or guarantee of funding, eligibility, mortgage approval, rate, or terms. We are not affiliated with the government agencies, banks, or grant providers listed unless an official source expressly says otherwise.
Programs may change, close early, exhaust funds, or update their rules. Verify every detail on the official provider page before submitting information. We do not charge to access public grant links. Grant links are presented using editorial criteria, not compensation or paid placement.
Privacy: The matching and readiness answers remain in your browser. The optional follow-up form sends only the contact details and broad context described beside the form through Formspree to Investors Developers & Associates, LLC. Do not submit sensitive identification, banking, or exact financial information.
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Equal housing opportunity: Mortgage services and information are offered without discrimination based on race, color, religion, national origin, sex, familial status, disability, or any other protected status.