Montana First-Time Home Buying Assistance Programs & Grants
Montana First-Time Home-Buying Assistance Programs & Grants
(Last Updated – 06/2025)
If you’re looking for wide-open spaces and untamed beauty, Montana has plenty to offer. You won’t feel crowded here — the population density is low. And the lifestyle is quieter, slower, and more peaceful than it is in many other places.
The biggest challenge for the first-time homebuyer in Montana may be finding an affordable house to purchase: In April 2025, according to Redfin, the median sale price of a home in Montana was up 2.6% year-over-year and was weighing in at a hefty $528,500.
If you’re a first-time home buyer in Montana, there are programs to support you as you achieve your dream of owning a home. This home-buying guide will show you how to save money.
Who Is Considered a First-Time Homebuyer in Montana?
The definition of a may vary, depending on the lender or program you’re working with as you search for a home mortgage loan. Some may stipulate that in order to be considered a first-time home buyer in Montana, you must have never owned a home; others may adhere to the U.S. Department of Housing and Urban Development (HUD) guidelines for first-time home buyers, which include:
• Someone who has not owned a home in the last three years
• A single parent who has only owned a home with a partner while married
• A displaced homemaker who has only owned a home with a spouse
Be sure to check all program and loan requirements carefully. Not sure where you want to locate in Big Sky Country? Check out a list of the best affordable places to live in Montana.
Recommended: First Time Homebuyer Guide
3 Montana Programs for First-Time Homebuyers
There are several state-based programs that offer low-interest mortgage loans and assistance with closing costs and down payments. Many are income-based, so the first-time homebuyer in Montana may need to meet income limits and other criteria to qualify. Here are the facts you need to know about each program.
1. Montana Housing: Bond Advantage Down Payment Assistance Program
If you’re looking for financial assistance to help cover your down payment as a first-time homebuyer, the Montana Housing: Bond Advantage Down Payment Assistance Program may be able to help with this loan of up to 5% of the sale price, with a maximum of $15,000. You must first be eligible for a Regular Bond Program Loan. The down payment assistance is a 15-year amortizing loan with low monthly payments.
You must also have a Montana Housing 30-year first mortgage to qualify, as well as a credit score of at least 620. You will be required to take a Homebuyer Education class to learn mortgage basics, and provide at least $1,000 cash investment in the purchase.
2. Montana Housing: MBOH Plus 0% Deferred Down Payment Assistance Program
This program offers a 0% interest deferred loan that can be used for down payment and closing costs. You can receive up to 5% of the sales price, up to $15,000. The loan is due when you transfer or sell the property or refinance or pay off your first loan.
To qualify, you need a Montana Housing 30-year first mortgage, a credit score of at least 620, and a debt-to-income ratio that’s no more than 45%. There is a household income limit — $80,000 for 1 to 2 people, and $90,000 for 3 or more.
You must provide at least $1,000 in cash investment toward the purchase and take a Homebuyer Education class.
3. Montana Housing: Regular Bond Program
This program provides lower-income first-time home buyers in Montana with a 30-year, low-interest loan. You must qualify for an FHA, VA, RD, or HUD-184 first mortgage loan to be eligible. Additionally, you must meet income and purchase price limits. Learn more about how to apply here .
Recommended: Home Affordability Calculator
How to Apply to Montana Programs for First-Time Homebuyers
For most of these assistance programs, you’ll need to start by finding a lender that participates . They can review your information to let you know if you qualify.
In addition, as a first-time home buyer in Montana, it can make sense to learn about other ways to lower your mortgage payment.
Federal Programs for First-Time Homebuyers
There are several federal programs designed for people who have low credit scores or limited cash for a down payment. They can be especially helpful to people who are buying a first home or who haven’t owned a home in several years.
These mortgages are generally for single-family homes, two- to four-unit properties that will be owner occupied, approved condos, townhomes, planned unit developments, and some manufactured homes.
Federal Housing Administration (FHA) Loans
The FHA, which is part of the U.S. Department of Housing and Urban Development (HUD), insures mortgages for borrowers with lower credit scores. Homebuyers choose from a list of approved lenders that participate in the FHA loan program. Loans have competitive interest rates and require a down payment of 3.5% of the purchase price for borrowers, who typically need FICO® credit scores of 580 or higher. Those with scores as low as 500 must put at least 10% down.
In addition to examining your credit score, lenders will look at your debt-to-income ratio (DTI, your monthly debt payments compared with your monthly gross income). FHA loans allow a DTI ratio of up to 50% in some cases, vs. a typical 45% maximum for a conventional loan.
Gift money for the down payment is allowed from certain donors and will be documented in a gift letter for the mortgage.
FHA loans always require mortgage insurance: a 1.75% upfront fee and annual premiums for the life of the loan, unless you make a down payment of at least 10%, which allows the removal of mortgage insurance after 11 years. For a $300,000 mortgage balance, upfront MIP would be around $5,250 and monthly MIP, at a rate of 0.55%, would be around $137. You can learn more about these loans, including FHA loans for refinance and rehab of properties, by reading up on FHA requirements, loan limits, and rates.
Freddie Mac Home Possible Mortgages
Very low- and low-income borrowers may make a 3% down payment on a Home Possible® mortgage. These loans allow various sources for down payments, including co-borrowers, family gifts, employer assistance, secondary financing, and sweat equity.
The Home Possible mortgage is for buyers who have a credit score of at least 660.
Once you pay 20% of your loan, the Home Possible mortgage insurance will be canceled, which will lower your mortgage payments.
Fannie Mae HomeReady Mortgages
Fannie Mae HomeReady® Mortgages allow down payments as low as 3% for low-income borrowers. Applicants generally need a credit score of at least 620; pricing may be better for credit scores of 680 and above. Like the Freddie Mac program, HomeReady loans allow flexibility for down payment financing, such as gifts and grants.
For income limits, a comparison to an FHA loan, and other information, go to this Fannie Mae site .
Fannie Mae Standard 97 LTV Loan
The conventional 97 LTV loan is for first-time homebuyers of any income level who have a credit score of at least 620 and meet debt-to-income criteria. The 97% loan-to-value mortgage requires 3% down. Borrowers can get down payment and closing cost assistance from third-party sources.
Department of Veterans Affairs (VA) Loans
Eligible active-duty members of the military, veterans, reservists, and surviving spouses may apply for loans backed by the Department of Veterans Affairs. VA loans, which can be used to buy, build, or improve homes, have lower interest rates than most other mortgages and don’t require a down payment. Most borrowers pay a one-time funding fee that can be rolled into the mortgage.
Another benefit of VA loans is that they do not require private mortgage insurance (PMI) for borrowers who make a down payment of less than 20%. And they have more flexible credit score requirements. In some cases, even those who have previously been in foreclosure or bankruptcy can qualify.
Borrowers applying for a VA loan will need a Certificate of Eligibility from the VA so make sure to review a guide to qualifying for a VA loan as a first step in the process.
Native American Veteran Direct Loans (NADLs)
Eligible Native American veterans and their spouses may use these no-down-payment loans to buy, improve, or build a home on federal trust land. Unlike VA loans listed above, the Department of Veterans Affairs is the mortgage lender on NADLs. The VA requires no mortgage insurance, but it does charge a funding fee.
Regional loan centers are closed to the public, but you can contact the Department of Veterans Affairs for Montana at (406) 324-3742 or [email protected]. For information specific to the Native American Direct Loan, contact [email protected].
US Department of Agriculture (USDA) Loans
No down payment is required on these loans to moderate-income borrowers that are guaranteed by the USDA in specified rural areas. Borrowers pay an upfront guarantee fee and an annual fee that serves as mortgage insurance.
The USDA also directly issues loans to low- and very low-income people. For loan basics and income and property eligibility, head to this USDA site .
HUD Good Neighbor Next Door Program
This program helps police officers, firefighters, emergency medical technicians, and teachers qualify for mortgages in the areas they serve. Borrowers can receive 50% off a home in what HUD calls a “revitalization area.” They must live in the home for at least three years. For more information, visit the HUD program page .
First-Time Homebuyer Stats for 2025
• Median home sale price in Montana: $528,500
• 3% down payment: $15,855
• 20% down payment: $105,700
• Percentage of buyers nationwide who are first-time buyers: 24%
• Median age of first-time homebuyers: 38
• Average credit score (vs. average U.S. score of 715): 732
Financing Tips for First-Time Homebuyers
Now that you’ve learned about a few of the types of mortgage loans you might qualify as a first time home buyer in Montana, it’s time to learn how to choose mortgage term loans that fit your needs.
In addition to federal and state government-sponsored lending programs, there are other financial strategies that may help you become a homeowner. Some examples:
• Traditional IRA withdrawals. The IRS allows qualifying first-time homebuyers a one-time, penalty-free withdrawal of up to $10,000 from their IRA if the money is used to buy, build, or rebuild a home. For the purpose of a home purchase, the IRS considers anyone who has not owned a primary residence in the past two years a first-time homebuyer. You will still owe income tax on the IRA withdrawal. If you’re married and your spouse has an IRA, they may also make a penalty-free withdrawal of $10,000 to purchase a home. The downside, of course, is that large withdrawals may jeopardize your retirement savings.
• Roth IRA withdrawals. Because Roth IRA contributions are made with after-tax money, the IRS allows tax- and penalty-free withdrawals of contributions for any reason as long as you’ve held the account for five years. You may also withdraw up to $10,000 in earnings from your Roth IRA without paying taxes or penalties if you are a qualifying first-time homebuyer and you have had the account for five years. With accounts held for less than five years, homebuyers will pay income tax on earnings withdrawn.
• 401(k) loans. If your employer allows borrowing from the 401(k) plan that it sponsors, you may consider taking a loan against the 401(k) account to help finance your home purchase. With most plans, you can borrow up to 50% of your 401(k) balance, up to $50,000 in a 12-month period, without incurring taxes or penalties. You pay interest on the loan, which is paid into your 401(k) account. You usually have to pay back the loan within five years, but if you’re using the money to buy a house, you may have up to 15 years to repay.
• State and local down payment assistance programs. Usually offered at the regional or county level, these programs provide flexible second mortgages for first-time buyers looking into how to afford a down payment.
• The mortgage credit certificate program. First-time homeowners and those who buy in targeted areas can claim a portion of their mortgage interest as a tax credit, up to $2,000. Any additional interest paid can still be used as an itemized deduction. To qualify for the credit, you must be a first-time homebuyer, live in the home, and meet income and purchase price requirements, which vary by state. If you refinance, the credit disappears, and if you sell the house before nine years, you may have to pay some of the tax credit back. There are fees associated with applying for and receiving the mortgage credit certificate that vary by state. Often the savings from the lifetime of the credit can outweigh these fees.
• Your employer. Your employer may offer access to lower-cost lenders and real estate agents in your area, as well as home buying education courses.
• Your lender. Always ask your lender about any first-time homebuyer grant or down payment assistance programs available from government, nonprofit, and community organizations in your area.
The Takeaway
If you’re a qualified first-time home buyer in Montana, there are several state programs that offer assistance with a mortgage, down payment, and closing costs in today’s challenging market. There are also federal and conventional loans that can help you purchase your home. Be sure to explore all your options.
Looking for an affordable option for a home mortgage loan? SoFi can help: We offer low down payments (as little as 3% - 5%*) with our competitive and flexible home mortgage loans. Plus, applying is extra convenient: It's online, with access to one-on-one help.
FAQ
Should I take first-time homebuyer classes?
First-time homebuyer classes are often required for some government-sponsored loan programs. But even if they aren’t mandatory, it’s a great way to educate yourself about the process of purchasing a home.
Do first-time homebuyers with bad credit qualify for homeownership assistance?
Often they do. Many government and nonprofit homeowner assistance programs are available to people with low credit scores. And often, interest rates and other loan pricing are competitive with those of loans available to borrowers with higher credit scores. That said, almost any lending program has credit qualifications. That’s why it’s important to take all possible steps to improve your credit standing before you go house hunting.
Is there a first-time homebuyer tax credit in Montana?
Yes. The Mortgage Credit Certificate (MCC) here is a dollar-for-dollar federal tax credit equal to 20% of the mortgage interest (not to exceed $2,000). First-time homeowners are eligible for the tax credit every year they occupy the home as their primary residence.
Is there a first-time veteran homebuyer assistance program in Montana?
Yes. The U.S. Department of Veterans Affairs offers home loans to service members, veterans, and eligible surviving spouses.
What credit score do I need for first-time homebuyer assistance in Montana?
Credit score requirements vary, depending on the homebuyer assistance program. For example, the programs offered through Montana Housing require a credit score of at least 620.
What is the average age of first-time homebuyers in Montana?
In the U.S., the median age of first-time homebuyers is 38.
Photo credit: iStock/PhilAugustavo
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HomeStory will issue the reward using the payment option you select and will be sent to the client enrolled in the program within 45 days of HomeStory Real Estate Services receipt of settlement statements and any other documentation reasonably required to calculate the applicable reward amount. Real estate agent fees and commissions still apply. Short sale transactions do not qualify for the reward. Depending on state regulations highlighted above, reward amount is based on sale price of the home purchased and/or sold and cannot exceed $9,500 per buy or sell transaction. Employer-sponsored relocations may preclude participation in the reward program offering. SoFi is not responsible for the reward.
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New Hampshire First-Time Home Buying Assistance Programs & Grants
New Hampshire First-Time Home-Buying Assistance Programs & Grants
(Last Updated – 06/2025)
First-time homebuyers in New Hampshire will need to have a good game plan, as median sale prices on homes here have risen 2.4% over the past year as of April 2025. The median sale price is now $495,900, just a whisper away from the half-million-dollar mark, according to Redfin, a real estate brokerage. And 49% of the homes sold above their list price.
Still, there are good opportunities for the first-time buyer in the state. This home-buying guide has information about state and federal housing programs that offer low-interest mortgages and assistance with down payments and closing costs.
Who Is Considered a First-Time Homebuyer in New Hampshire?
Naturally, it’s anyone who has never owned a home, but in addition, a person who hasn’t owned a home in the last three years is also considered a first-time homebuyer for the purpose of qualifying for a home mortgage loan.
The U.S. Department of Housing and Urban Development (HUD) has other eligibility criteria for first-time homebuyers. These include a single parent who has only owned a home with a partner while married, and a displaced homemaker who has only owned a home with a spouse. Veterans may qualify for some of the same programs first-time buyers do.
First-time buyers are often especially interested in an affordable home. A list of the best affordable cities in New Hampshire is a good place to start your search.
Recommended: First-Time Homebuyer Guide
3 New Hampshire Programs for First-Time Homebuyers
These programs for the first-time homebuyer in New Hampshire provide affordable mortgage loans and down payment and closing cost assistance.
1. New Hampshire Housing: Down Payment Assistance
New Hampshire Housing offers a down payment and closing cost assistance program for up to $15,000 of a primary mortgage. It is a second mortgage: a 30-year loan at 0% interest that requires no payments unless you sell, refinance, declare bankruptcy, or stop using the home as your primary residence.
To qualify, you must be using one of New Hampshire Housing’s mortgage products and meet certain income limits .
2. New Hampshire Housing: Home First and Home First Plus
This bond-financed program offers a mortgage at an attractive rate and gives borrowers the option to add $5,000-$15,000 in down payment assistance. The borrower must use a mortgage from the Federal Housing Administration (FHA), VA, USDA, or Fannie Mae. There are specific income and price limits based on location. First-time buyers are eligible but so are veterans and those buying in certain targeted areas.
3. New Hampshire Housing: Home Preferred
This program provides a 30-year conventional mortgage with a 3% down payment option through a referred lender . It provides reduced, discounted mortgage insurance for borrowers who earn less than 80% of the area median income.
How to Apply to New Hampshire Programs for First-Time Homebuyers
The programs we’ve discussed for the first-time homebuyer in New Hampshire all have different criteria. To see which you are eligible for, contact a participating lender .
Federal Programs for First-Time Homebuyers
Several federal government programs are designed for people who have low credit scores or limited cash for a down payment. Although most of these programs are available to repeat homeowners, like state programs, they can be especially helpful to people who are buying a first home or who haven’t owned a home in several years.
The mortgages are generally for single-family homes, two- to four-unit properties that will be owner occupied, approved condos, townhomes, planned unit developments, and some manufactured homes.
Recommended: What’s the Average Down Payment on a House?
Federal Housing Administration (FHA) Loans
The FHA, which is part of the U.S. Department of Housing and Urban Development (HUD), insures mortgages for borrowers with lower credit scores. Homebuyers choose from a list of approved lenders that participate in the FHA loan program. Loans have competitive interest rates and require a down payment of 3.5% of the purchase price for borrowers, who typically need FICO® credit scores of 580 or higher. Those with scores as low as 500 must put at least 10% down.
In addition to examining your credit score, lenders will look at your debt-to-income ratio (DTI, your monthly debt payments compared with your monthly gross income). FHA loans allow a DTI ratio of up to 50% in some cases, vs. a typical 45% maximum for a conventional loan.
Gift money for the down payment is allowed from certain donors and will be documented in a gift letter for the mortgage.
FHA loans always require mortgage insurance: a 1.75% upfront fee and annual premiums for the life of the loan, unless you make a down payment of at least 10%, which allows the removal of mortgage insurance after 11 years. For a $300,000 mortgage balance, upfront MIP would be around $5,250 and monthly MIP, at a rate of 0.55%, would be around $137. You can learn more about these loans, including FHA loans for refinance and rehab of properties, by reading up on FHA requirements, loan limits, and rates.
Freddie Mac Home Possible Mortgages
Very low- and low-income borrowers may make a 3% down payment on a Home Possible® mortgage. These loans allow various sources for down payments, including co-borrowers, family gifts, employer assistance, secondary financing, and sweat equity.
The Home Possible mortgage is for buyers who have a credit score of at least 660.
Once you pay 20% of your loan, the Home Possible mortgage insurance will be canceled, which will lower your mortgage payments.
Fannie Mae HomeReady Mortgages
Fannie Mae HomeReady® Mortgages allow down payments as low as 3% for low-income borrowers. Applicants generally need a credit score of at least 620; pricing may be better for credit scores of 680 and above. Like the Freddie Mac program, HomeReady loans allow flexibility for down payment financing, such as gifts and grants.
For income limits, a comparison to an FHA loan, and other information, go to this Fannie Mae site .
Fannie Mae Standard 97 LTV Loan
The conventional 97 LTV loan is for first-time homebuyers of any income level who have a credit score of at least 620 and meet debt-to-income criteria. The 97% loan-to-value mortgage requires 3% down. Borrowers can get down payment and closing cost assistance from third-party sources.
Unlike an FHA loan, the 97 LTV loan has no upfront mortgage insurance fee and does have cancellable mortgage insurance. The loan is for just one-unit single-family homes, co-ops, condos, and planned unit developments.
Department of Veterans Affairs (VA) Loans
Eligible active-duty members of the military, reservists, veterans, and surviving spouses may apply for loans backed by the Department of Veterans Affairs. How does a VA loan work? It can be used to buy, build, or improve homes, have lower interest rates than most other mortgages and don’t require a down payment. Most borrowers pay a one-time funding fee that can be rolled into the mortgage.
Another benefit of VA loans is that they do not require private mortgage insurance (PMI) for borrowers who make a down payment of less than 20%. And they have more flexible credit score requirements. In some cases, even those who have previously been in foreclosure or bankruptcy can qualify.
Borrowers applying for a VA loan will need a Certificate of Eligibility from the VA so make sure to review a guide to qualifying for a VA loan as a first step in the process.
Native American Veteran Direct Loans (NADLs)
Eligible Native American veterans and their spouses may use these no-down-payment loans to buy, improve, or build a home on federal trust land. Unlike VA loans listed above, the Department of Veterans Affairs is the mortgage lender on NADLs. The VA requires no mortgage insurance, but it does charge a funding fee. For information, contact [email protected].
US Department of Agriculture (USDA) Loans
No down payment is required on these loans to moderate-income borrowers that are guaranteed by the USDA in specified rural areas. Borrowers pay an upfront guarantee fee and an annual fee that serves as mortgage insurance.
The USDA also directly issues loans to low- and very low-income people. For loan basics and income and property eligibility, head to this USDA site .
HUD Good Neighbor Next Door Program
This program helps police officers, firefighters, emergency medical technicians, and teachers qualify for mortgages in the areas they serve. Borrowers can receive 50% off a home in what HUD calls a “revitalization area.” They must live in the home for at least three years. For more information, visit the HUD program page.
New Hampshire First-Time Homebuyer Stats for 2025
Here’s some data about New Hampshire home sales.
• Median home sale price in New Hampshire: $495,900
• 3% down payment: $14,877
• 20% down payment: $99,180
• Percentage of buyers nationwide who are first-time buyers: 24%
• Median age of first-time homebuyers: 38
• Average credit score (vs. average U.S. score of 715): 736
Financing Tips for First-Time Homebuyers
In addition to federal and state government-sponsored lending programs, there are other financial strategies that may help you become a homeowner. After reading up on how to choose a mortgage term, check out these tips on how to lower your mortgage payment:
• Traditional IRA withdrawals. The IRS allows qualifying first-time homebuyers a one-time, penalty-free withdrawal of up to $10,000 from their IRA if the money is used to buy, build, or rebuild a home. For this allowance, the IRS considers anyone who has not owned a primary residence in the past two years a first-time homebuyer. You will still owe income tax on the IRA withdrawal. If you’re married and your spouse has an IRA, they may also make a penalty-free withdrawal of $10,000 to purchase a home. The downside, of course, is that large withdrawals may jeopardize your retirement savings.
• Roth IRA withdrawals. Because Roth IRA contributions are made with after-tax money, the IRS allows tax- and penalty-free withdrawals of contributions for any reason as long as you’ve held the account for five years. You may also withdraw up to $10,000 in earnings from your Roth IRA without paying taxes or penalties if you are a qualifying first-time homebuyer and you have had the account for five years. With accounts held for less than five years, homebuyers will pay income tax on earnings withdrawn.
• 401(k) loans. If your employer allows borrowing from the 401(k) plan that it sponsors, you may consider taking a loan against the 401(k) account to help finance your home purchase. With most plans, you can borrow up to 50% of your 401(k) balance, up to $50,000 in any 12-month period, without incurring taxes or penalties. You pay interest on the loan, which is paid into your 401(k) account. You usually have to pay back the loan within five years, but if you’re using the money to buy a house, you may have up to 15 years to repay.
• State and local down payment assistance programs. Usually offered at the regional or county level, these programs provide flexible second mortgages for first-time buyers looking into how to afford a down payment.
• The mortgage credit certificate program. First-time homeowners and those who buy in targeted areas can claim a portion of their mortgage interest as a tax credit, up to $2,000. Any additional interest paid can still be used as an itemized deduction. To qualify for the credit, you must be a first-time homebuyer, live in the home, and meet income and purchase price requirements, which vary by state. If you refinance, the credit disappears, and if you sell the house before nine years, you may have to pay some of the tax credit back. There are fees associated with applying for and receiving the mortgage credit certificate that vary by state. Often the savings from the lifetime of the credit can outweigh these fees.
• Your employer. Your employer may offer access to lower-cost lenders and real estate agents in your area, as well as home buying education courses.
• Your lender. Always ask your lender about any first-time homebuyer grant or down payment assistance programs available from government, nonprofit, and community organizations in your area.
The Takeaway
The home market in New Hampshire is challenging, but as a first-time homebuyer, you may qualify for financial assistance programs that can help you achieve your goal of ownership. Plus there are federal and conventional loans that may also be a good fit for you.
Looking for an affordable option for a home mortgage loan? SoFi can help: We offer low down payments (as little as 3% - 5%*) with our competitive and flexible home mortgage loans. Plus, applying is extra convenient: It's online, with access to one-on-one help.
FAQ
Should I take first-time homebuyer classes?
Yes! Being well-informed is key to a successful home-buying experience for anyone, but especially for newcomers, who can easily be overwhelmed by the jargon, technicalities, and magnitude of applying for a mortgage and purchasing a home. First-time homebuyer classes can help. Indeed they are required for some government-sponsored loan programs.
Do first-time homebuyers with bad credit qualify for homeownership assistance?
Often they do. Many government and nonprofit homeowner assistance programs are available to people with low credit scores. And often, interest rates and other loan pricing are competitive with those of loans available to borrowers with higher credit scores. That said, almost any lending program has credit qualifications. That’s why it’s important to take all possible steps to improve your credit standing before you go house hunting.
Is there a first-time homebuyer tax credit in New Hampshire?
Sometimes. First-time homeowners who have certain types of mortgages in New Hampshire can claim a portion of their mortgage interest as a tax credit, up to $2,000 each year.
Is there a first-time veteran homebuyer assistance program in New Hampshire?
Yes. The U.S. Department of Veterans Affairs offers home loans to servicemembers, veterans, reservists, and eligible surviving spouses.
What credit score do I need for first-time homebuyer assistance in New Hampshire?
It varies by program. For example, some of the financial assistance programs offered by New Hampshire Housing require a credit score of 620 or greater.
What is the average age of first-time homebuyers in New Hampshire?
In the U.S., the median age of first-time homebuyers is 38.
Photo credit: iStock/Sean Pavone
SoFi Loan Products
SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.
SoFi Mortgages
Terms, conditions, and state restrictions apply. Not all products are available in all states. See SoFi.com/eligibility-criteria for more information.
*SoFi requires Private Mortgage Insurance (PMI) for conforming home loans with a loan-to-value (LTV) ratio greater than 80%. As little as 3% down payments are for qualifying first-time homebuyers only. 5% minimum applies to other borrowers. Other loan types may require different fees or insurance (e.g., VA funding fee, FHA Mortgage Insurance Premiums, etc.). Loan requirements may vary depending on your down payment amount, and minimum down payment varies by loan type.
Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.
Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.
External Websites: The information and analysis provided through hyperlinks to third-party websites, while believed to be accurate, cannot be guaranteed by SoFi. Links are provided for informational purposes and should not be viewed as an endorsement.
Tax Information: This article provides general background information only and is not intended to serve as legal or tax advice or as a substitute for legal counsel. You should consult your own attorney and/or tax advisor if you have a question requiring legal or tax advice.
¹FHA loans are subject to unique terms and conditions established by FHA and SoFi. Ask your SoFi loan officer for details about eligibility, documentation, and other requirements. FHA loans require an Upfront Mortgage Insurance Premium (UFMIP), which may be financed or paid at closing, in addition to monthly Mortgage Insurance Premiums (MIP). Maximum loan amounts vary by county. The minimum FHA mortgage down payment is 3.5% for those who qualify financially for a primary purchase. SoFi is not affiliated with any government agency.
†Veterans, Service members, and members of the National Guard or Reserve may be eligible for a loan guaranteed by the U.S. Department of Veterans Affairs. VA loans are subject to unique terms and conditions established by VA and SoFi. Ask your SoFi loan officer for details about eligibility, documentation, and other requirements. VA loans typically require a one-time funding fee except as may be exempted by VA guidelines. The fee may be financed or paid at closing. The amount of the fee depends on the type of loan, the total amount of the loan, and, depending on loan type, prior use of VA eligibility and down payment amount. The VA funding fee is typically non-refundable. SoFi is not affiliated with any government agency.
Checking Your Rates: To check the rates and terms you may qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.
Qualifying for the reward requires using a real estate agent that participates in HomeStory’s broker to broker agreement to complete the real estate buy and/or sell transaction. You retain the right to negotiate buyer and or seller representation agreements. Upon successful close of the transaction, the Real Estate Agent pays a fee to HomeStory Real Estate Services. All Agents have been independently vetted by HomeStory to meet performance expectations required to participate in the program. If you are currently working with a REALTOR®, please disregard this notice. It is not our intention to solicit the offerings of other REALTORS®. A reward is not available where prohibited by state law, including Alaska, Iowa, Louisiana and Missouri. A reduced agent commission may be available for sellers in lieu of the reward in Mississippi, New Jersey, Oklahoma, and Oregon and should be discussed with the agent upon enrollment. No reward will be available for buyers in Mississippi, Oklahoma, and Oregon. A commission credit may be available for buyers in lieu of the reward in New Jersey and must be discussed with the agent upon enrollment and included in a Buyer Agency Agreement with Rebate Provision. Rewards in Kansas and Tennessee are required to be delivered by gift card.
HomeStory will issue the reward using the payment option you select and will be sent to the client enrolled in the program within 45 days of HomeStory Real Estate Services receipt of settlement statements and any other documentation reasonably required to calculate the applicable reward amount. Real estate agent fees and commissions still apply. Short sale transactions do not qualify for the reward. Depending on state regulations highlighted above, reward amount is based on sale price of the home purchased and/or sold and cannot exceed $9,500 per buy or sell transaction. Employer-sponsored relocations may preclude participation in the reward program offering. SoFi is not responsible for the reward.
SoFi Bank, N.A. (NMLS #696891) does not perform any activity that is or could be construed as unlicensed real estate activity, and SoFi is not licensed as a real estate broker. Agents of SoFi are not authorized to perform real estate activity.
If your property is currently listed with a REALTOR®, please disregard this notice. It is not our intention to solicit the offerings of other REALTORS®.
Reward is valid for 18 months from date of enrollment. After 18 months, you must re-enroll to be eligible for a reward.
SoFi loans subject to credit approval. Offer subject to change or cancellation without notice.
The trademarks, logos and names of other companies, products and services are the property of their respective owners.
SOHL-Q225-198
Nebraska First-Time Home Buying Assistance Programs & Grants
Nebraska First-Time Home-Buying Assistance Programs & Grants
(Last Updated – 06/2025)
Considering buying a home in Nebraska? The median sale price of a home there is $301,500, up 4.5% year-over-year as of April 2025. About one in four homes sell above their list price, according to Redfin, a real estate brokerage that analyzes housing market data, but roughly the same percentage of homes had price drops — so there may be some bargains to be had.
The first-time homebuyer in Nebraska can also get financial assistance through state programs. Here’s what you need to know as you start your home shopping.
Recommended: First-Time Homebuyer Guide
Who Is Considered a First-Time Homebuyer in Nebraska?
The definition is broader than you might realize. If you haven’t owned a house in Nebraska in the last three years, you qualify as a first-time homebuyer when seeking a home mortgage loan. Others who would qualify if a lender uses guidelines from the U.S. Department of Housing and Urban Development (HUD) include:
• Someone who has not owned a home in the last three years
• A single parent who has only owned a home with a partner while married
• A displaced homemaker who has only owned a home with a spouse
3 Nebraska Programs for First-Time Homebuyers
There are several low-interest mortgage loans and closing cost assistance programs available to eligible first-time buyers.
1. NIFA: Homebuyer Assistance Program
This program from the Nebraska Investment Finance Authority (NIFA) can help you buy a home with an investment of just $1,000. It includes a first and second mortgage. The first mortgage includes down payment and closing cost assistance and has higher interest. The second loan has a maximum of 5% of the purchase price, up to $10,000, and has a repayment period of 10 years with 1% interest.
To find out if you qualify, contact a participating lender .
2. NIFA: First Home Program
The First Home Program can help first-time buyers who don’t need down payment and closing cost assistance get a loan. You must meet a certain income and purchase price. Requirements. In addition to first-time buyers, the program is available to veterans and those purchasing a home located in a target area in one of these counties: Adams, Douglas, Jefferson, Lancaster, Saline, or Scotts Bluff. Not sure where you want to live in the Cornhusker State? Check out a guide to the best affordable places to live in Nebraska.
3. NIFA: Military Home Program
If you are an active member of the military and a first-time home buyer in Nebraska, you may qualify for this loan program . Veterans and spouses of veterans are also eligible.
Recommended: Understanding Mortgage Basics
How to Apply to Nebraska Programs for First-Time Homebuyers
To apply for the mortgage and assistance programs we’ve covered, reach out to a participating lender to start the process.
Federal Programs for First-Time Homebuyers
Several federal government programs are designed for people who have low credit scores or limited cash for a down payment. Although most of these programs are available to repeat homeowners, like state programs, they can be especially helpful to people who are buying a first home or who haven’t owned a home in several years.
The mortgages are generally for single-family homes, two- to four-unit properties that will be owner occupied, approved condos, townhomes, planned unit developments, and some manufactured homes.
Federal Housing Administration (FHA) Loans
The FHA, which is part of the U.S. Department of Housing and Urban Development (HUD), insures mortgages for borrowers with lower credit scores. Homebuyers choose from a list of approved lenders that participate in the FHA loan program. Loans have competitive interest rates and require a down payment of 3.5% of the purchase price for borrowers, who typically need FICO® credit scores of 580 or higher. Those with scores as low as 500 must put at least 10% down.
In addition to examining your credit score, lenders will look at your debt-to-income ratio (DTI, your monthly debt payments compared with your monthly gross income). FHA loans allow a DTI ratio of up to 50% in some cases, vs. a typical 45% maximum for a conventional loan.
Gift money for the down payment is allowed from certain donors and you’ll need to obtain a gift letter for the mortgage.
FHA loans always require mortgage insurance: a 1.75% upfront fee and annual premiums for the life of the loan, unless you make a down payment of at least 10%, which allows the removal of mortgage insurance after 11 years. For a $300,000 mortgage balance, the upfront mortgage insurance premium (MIP) would be around $5,250 and monthly MIP, at a rate of 0.55%, would be around $137. You can learn more about these loans, including FHA loans for refinance and rehab of properties, by reading up on FHA requirements, loan limits, and rates.
Freddie Mac Home Possible Mortgages
Very low- and low-income borrowers may make a 3% down payment on a Home Possible® mortgage. These loans allow various sources for down payments, including co-borrowers, family gifts, employer assistance, secondary financing, and sweat equity.
The Home Possible mortgage is for buyers who have a credit score of at least 660.
Once you pay 20% of your loan, the Home Possible mortgage insurance will be canceled, which will lower your mortgage payments.
Fannie Mae HomeReady Mortgages
Fannie Mae HomeReady® Mortgages allow down payments as low as 3% for low-income borrowers. Applicants generally need a credit score of at least 620; pricing may be better for credit scores of 680 and above. Like the Freddie Mac program, HomeReady loans allow flexibility for down payment financing, such as gifts and grants.
For income limits, a comparison to an FHA loan, and other information, go to this Fannie Mae site .
Fannie Mae Standard 97 LTV Loan
The conventional 97 LTV loan is for first-time homebuyers of any income level who have a credit score of at least 620 and meet debt-to-income criteria. The 97% loan-to-value mortgage requires 3% down. Borrowers can get down payment and closing cost assistance from third-party sources.
Unlike an FHA loan, the 97 LTV loan has no upfront mortgage insurance fee and does have cancellable mortgage insurance. The loan is for just one-unit single-family homes, co-ops, condos, and planned unit developments.
Department of Veterans Affairs (VA) Loans
Eligible active-duty members of the military, veterans, reservists, and surviving spouses may apply for loans backed by the Department of Veterans Affairs. How does a VA loan work? It can be used to buy, build, or improve homes, have lower interest rates than most other mortgages and don’t require a down payment. Most borrowers pay a one-time funding fee that can be rolled into the mortgage.
Another plus when it comes to VA loans is that they do not require private mortgage insurance (PMI) for borrowers who make a down payment of less than 20%. And they have more flexible credit score requirements. In some cases, even those who have previously been in foreclosure or bankruptcy can qualify.
Borrowers applying for a VA loan will need a Certificate of Eligibility from the VA so make sure to review a guide to qualifying for a VA loan as a first step in the process.
Native American Veteran Direct Loans (NADLs)
Eligible Native American veterans and their spouses may use these no-down-payment loans to buy, improve, or build a home on federal trust land. Unlike VA loans listed above, the Department of Veterans Affairs is the mortgage lender on NADLs. The VA requires no mortgage insurance, but it does charge a funding fee. For more information, email [email protected].
US Department of Agriculture (USDA) Loans
No down payment is required on these loans to moderate-income borrowers that are guaranteed by the USDA in specified rural areas. Borrowers pay an upfront guarantee fee and an annual fee that serves as mortgage insurance.
The USDA also directly issues loans to low- and very low-income people. For loan basics and income and property eligibility, head to this USDA site .
HUD Good Neighbor Next Door Program
This program helps police officers, firefighters, emergency medical technicians, and teachers qualify for mortgages in the areas they serve. Borrowers can receive 50% off a home in what HUD calls a “revitalization area.” They must live in the home for at least three years. For more information, visit the HUD program page.
First-Time Homebuyer Stats for 2025
Here’s some interesting information about first-time buyers in the U.S, as well data specific to Nebraska.
• Median home sale price in Nebraska: $301,500
• 3% down payment: $9,045
• 20% down payment: $60,300
• Percentage of buyers nationwide who are first-time buyers: 24%
• Median age of first-time homebuyers: 38
• Average credit score (vs. average U.S. score of 715): 731
Financing Tips for First-Time Homebuyers
In addition to federal and state government-sponsored lending programs, there are other financial strategies that may help you become a homeowner. After reading up on how to choose a mortgage term, check out these tips on how to lower your mortgage payment:
• Traditional IRA withdrawals. The IRS allows qualifying first-time homebuyers a one-time, penalty-free withdrawal of up to $10,000 from their IRA if the money is used to buy, build, or rebuild a home. For this allowance, the IRS considers anyone who has not owned a primary residence in the past two years a first-time homebuyer. You will still owe income tax on the IRA withdrawal. If you’re married and your spouse has an IRA, they may also make a penalty-free withdrawal of $10,000 to purchase a home. The downside, of course, is that large withdrawals may jeopardize your retirement savings.
• Roth IRA withdrawals. Because Roth IRA contributions are made with after-tax money, the IRS allows tax- and penalty-free withdrawals of contributions for any reason as long as you’ve held the account for five years. You may also withdraw up to $10,000 in earnings from your Roth IRA without paying taxes or penalties if you are a qualifying first-time homebuyer and you have had the account for five years. With accounts held for less than five years, homebuyers will pay income tax on earnings withdrawn.
• 401(k) loans. If your employer allows borrowing from the 401(k) plan that it sponsors, you may consider taking a loan against the 401(k) account to help finance your home purchase. With most plans, you can borrow up to 50% of your 401(k) balance, up to $50,000 in any 12-month period, without incurring taxes or penalties. You pay interest on the loan, which is paid into your 401(k) account. You usually have to pay back the loan within five years, but if you’re using the money to buy a house, you may have up to 15 years to repay.
• State and local down payment assistance programs. Usually offered at the regional or county level, these programs provide flexible second mortgages for first-time buyers looking into how to afford a down payment.
• Your employer. Your employer may offer access to lower-cost lenders and real estate agents in your area, as well as home buying education courses.
• Your lender. Always ask your lender about any first-time homebuyer grant or down payment assistance programs available from government, nonprofit, and community organizations in your area.
Finally, this home affordability calculator can help determine how much home you can afford.
The Takeaway
Thanks to a steady housing market, this is a great time for the first-time buyer to purchase a home in Nebraska. Qualified buyers will also find programs offering low-interest mortgages and assistance with down payment and closing costs.
Looking for an affordable option for a home mortgage loan? SoFi can help: We offer low down payments (as little as 3% - 5%*) with our competitive and flexible home mortgage loans. Plus, applying is extra convenient: It's online, with access to one-on-one help.
FAQ
Should I take first-time homebuyer classes?
Yes! Being informed is key to a successful home-buying experience, especially for newcomers, who can easily be overwhelmed by the jargon, technicalities, and magnitude of applying for a mortgage and purchasing a home. First-time homebuyer classes can help. Indeed they are required for some government-sponsored loan programs.
Do first-time homebuyers with bad credit qualify for homeownership assistance?
Often they do. Many government and nonprofit homeowner assistance programs are available to people with low credit scores. And often, interest rates and other loan pricing are competitive with those of loans available to borrowers with higher credit scores. That said, almost any lending program has credit qualifications. That’s why it’s important to take good care of your credit before you go house hunting.
Is there a first-time homebuyer tax credit in Nebraska?
There is not currently a mortgage credit certificate program offered through the Nebraska Investment Finance Authority (NIFA).
Is there a first-time veteran homebuyer assistance program in Nebraska?
Yes. NIFA offers a Military Home Program with low-interest loans to active military members and qualified veterans.
What credit score do I need for first-time homebuyer assistance in Nebraska?
It depends on the program. For example, the FHA program requires a minimum credit score of 500 to qualify.
What is the average age of first-time homebuyers in Nebraska?
Data specific to Nebraska is hard to come by, but the median age of first-time homebuyers in the U.S. was 38 as of late 2024, an all-time high.
Photo credit: iStock/halbergman
SoFi Loan Products
SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.
SoFi Mortgages
Terms, conditions, and state restrictions apply. Not all products are available in all states. See SoFi.com/eligibility-criteria for more information.
*SoFi requires Private Mortgage Insurance (PMI) for conforming home loans with a loan-to-value (LTV) ratio greater than 80%. As little as 3% down payments are for qualifying first-time homebuyers only. 5% minimum applies to other borrowers. Other loan types may require different fees or insurance (e.g., VA funding fee, FHA Mortgage Insurance Premiums, etc.). Loan requirements may vary depending on your down payment amount, and minimum down payment varies by loan type.
Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.
Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.
External Websites: The information and analysis provided through hyperlinks to third-party websites, while believed to be accurate, cannot be guaranteed by SoFi. Links are provided for informational purposes and should not be viewed as an endorsement.
Tax Information: This article provides general background information only and is not intended to serve as legal or tax advice or as a substitute for legal counsel. You should consult your own attorney and/or tax advisor if you have a question requiring legal or tax advice.
¹FHA loans are subject to unique terms and conditions established by FHA and SoFi. Ask your SoFi loan officer for details about eligibility, documentation, and other requirements. FHA loans require an Upfront Mortgage Insurance Premium (UFMIP), which may be financed or paid at closing, in addition to monthly Mortgage Insurance Premiums (MIP). Maximum loan amounts vary by county. The minimum FHA mortgage down payment is 3.5% for those who qualify financially for a primary purchase. SoFi is not affiliated with any government agency.
†Veterans, Service members, and members of the National Guard or Reserve may be eligible for a loan guaranteed by the U.S. Department of Veterans Affairs. VA loans are subject to unique terms and conditions established by VA and SoFi. Ask your SoFi loan officer for details about eligibility, documentation, and other requirements. VA loans typically require a one-time funding fee except as may be exempted by VA guidelines. The fee may be financed or paid at closing. The amount of the fee depends on the type of loan, the total amount of the loan, and, depending on loan type, prior use of VA eligibility and down payment amount. The VA funding fee is typically non-refundable. SoFi is not affiliated with any government agency.
Checking Your Rates: To check the rates and terms you may qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.
Qualifying for the reward requires using a real estate agent that participates in HomeStory’s broker to broker agreement to complete the real estate buy and/or sell transaction. You retain the right to negotiate buyer and or seller representation agreements. Upon successful close of the transaction, the Real Estate Agent pays a fee to HomeStory Real Estate Services. All Agents have been independently vetted by HomeStory to meet performance expectations required to participate in the program. If you are currently working with a REALTOR®, please disregard this notice. It is not our intention to solicit the offerings of other REALTORS®. A reward is not available where prohibited by state law, including Alaska, Iowa, Louisiana and Missouri. A reduced agent commission may be available for sellers in lieu of the reward in Mississippi, New Jersey, Oklahoma, and Oregon and should be discussed with the agent upon enrollment. No reward will be available for buyers in Mississippi, Oklahoma, and Oregon. A commission credit may be available for buyers in lieu of the reward in New Jersey and must be discussed with the agent upon enrollment and included in a Buyer Agency Agreement with Rebate Provision. Rewards in Kansas and Tennessee are required to be delivered by gift card.
HomeStory will issue the reward using the payment option you select and will be sent to the client enrolled in the program within 45 days of HomeStory Real Estate Services receipt of settlement statements and any other documentation reasonably required to calculate the applicable reward amount. Real estate agent fees and commissions still apply. Short sale transactions do not qualify for the reward. Depending on state regulations highlighted above, reward amount is based on sale price of the home purchased and/or sold and cannot exceed $9,500 per buy or sell transaction. Employer-sponsored relocations may preclude participation in the reward program offering. SoFi is not responsible for the reward.
SoFi Bank, N.A. (NMLS #696891) does not perform any activity that is or could be construed as unlicensed real estate activity, and SoFi is not licensed as a real estate broker. Agents of SoFi are not authorized to perform real estate activity.
If your property is currently listed with a REALTOR®, please disregard this notice. It is not our intention to solicit the offerings of other REALTORS®.
Reward is valid for 18 months from date of enrollment. After 18 months, you must re-enroll to be eligible for a reward.
SoFi loans subject to credit approval. Offer subject to change or cancellation without notice.
The trademarks, logos and names of other companies, products and services are the property of their respective owners.
SOHL-Q225-196
Hawaii First-Time Home Buying Assistance Programs
Hawaii First-Time Home-Buying Assistance Programs
By Kim Franke-Folstad
(Last Updated – 05/2025)
Owning a home in Hawaii is a dream shared by many islanders (and would-be islanders). But it can be a struggle for some to make that dream come true.
It’s no secret that buying a home in a place most people consider to be paradise can be expensive. And it’s been that way for decades. According to Redfin, the median sale price of a home in Hawaii was $767,300 in June 2025, down a wee bit (1.8%) year-over-year. East Honolulu experienced a 5.2% increase in sale price, while all other areas saw prices decline.
Coming up with enough money for a down payment and closing costs can be difficult in the best of times. But in Hawaii, where the cost of living in general is higher than on the mainland, inflation can make home buying especially challenging. You can start by looking in one of the more affordable places in Hawaii.
First-time homebuyers may also be able to get financial help through the state, programs affiliated with the state, and in some cities and counties. There also are longstanding federal programs that could improve a buyer’s chances of success.
Recommended: First-Time Homebuyer Guide
Who Is Considered a First-Time Homebuyer in Hawaii?
First, a point of clarity as you start your search for a home loan. For most programs offered in Hawaii, applicants are considered first-time homebuyers if they haven’t owned a home for the past three years. The definition jibes with that of the U.S. Department of Housing and Urban Development (HUD).
3 Hawaii Programs for First-Time Homebuyers
In Hawaii, first-time buyers can find programs that offer down payment assistance, help locating an affordable home, and a mortgage credit certificate that can reduce a homeowner’s income taxes.
These programs were established to assist low- to moderate-income buyers. There also may be a limit on how much the purchased home can cost. Here’s a look at what’s available statewide.
1. HHOC Mortgage Down Payment Assistance Loan Program
HHOC Mortgage, a nonprofit affiliate of the Hawaii HomeOwnership Center (HHOC), was created to help low- to moderate-income families obtain financing.
The lender’s DPAL Program offers qualifying first-time buyers a first mortgage with a 3% minimum down payment paired with a deferred second mortgage of up to $125,000 for down payment or closing cost assistance (including rate buydown), subject to the availability of funds.
Qualifications include:
• Home must be a single-family dwelling, condominium, or townhouse
• HHOC mortgage must originate the first mortgage, and will do so at the same time the 15-year down payment assistance loan (second mortgage) is originated
• Conventional, USDA, VA, and FHA loans available
• Can’t exceed 130% of area median income
• Must complete in-class or online homebuyer education with a HUD-approved counseling agency
• Must complete one counseling session with Hawaii HomeOwnership Center
To determine your eligibility, you can contact an HHOC Mortgage loan officer at [email protected], or by calling 808-523-9500 (Oahu). If you qualify, DPAL funds will be reserved once you’ve entered into a purchase contract.
Recommended: Understanding the Different Types of Mortgage Loans
2. HHFDC Affordable Resale Program
The Hawaii Housing Finance and Development Corporation is a government agency that provides affordable housing opportunities to residents of Hawaii. Its Affordable Resale Program offers previously owned condos repurchased by the agency for sale to qualified residents through a public drawing or lottery process.
Qualifications Include:
• Must be a first-time homebuyer who does not own any unit anywhere in the world
• Must be a U.S. citizen or permanent resident alien and a Hawaii resident
• Must reside in the unit through the time of ownership
• Must meet area median income requirements
• Must agree to the agency’s 10-year buyback and shared profit clauses
The HHFDC offers virtual information sessions for interested homebuyers. You can sign up at Hawaii Housing Finance & Development Corporation Affordable Resale Program or get more information on the program at the site. You can call the HHDC at 808-587-0620. To apply, fill out an intake form and email it to [email protected].
3. HHFDC Mortgage Credit Certificate Program
The mortgage credit certificate program offered by the HHFDC is a different kind of statewide assistance program designed to help low-income homebuyers. Borrowers can use the certificate to claim 20% of their annual mortgage interest, dollar for dollar, as a federal tax credit every year for the life of their loan.
The tax credit is available to homebuyers who meet specific household income and home purchase price limits.
Check out the program brochure to find out more about the benefits and requirements
You can apply for the credit certificate when you take out a home loan through a participating lender . There may be a fee to participate.
Other Homebuyer Programs by Location
If you’ve already chosen the island or county you hope to make your home in Hawaii, you also may want to research the local buyer assistance programs available there.
If you can’t find assistance in your chosen location, check back occasionally for new offers. Some first-time homebuyer programs base their opportunities (and deadlines) on the funds they expect to become available. When their money runs out, they may press pause.
Programs that are currently available include:
Kaua’i County Housing Agency Home Buyer Loan Program
The Kaua’i County Housing Agency Home Buyer Loan Program provides low-cost primary and gap mortgages to income-qualified first-time homebuyers on the island of Kaua’i. For information on benefits and requirements, you can check out the program brochure or call 808-241-4444.
City and County of Honolulu Down Payment Loan Program
The City and County of Honolulu’s Department of Community Services administers a down payment assistance program using HOME Investment Partnership Act funds from HUD. The program provides income-qualifying families with a 0% interest second loan to help with their down payment.
This brochure offers information on the program’s benefits, requirements, and how to apply. Or call the Department of Community Services at 808-768-7762.
How to Apply to Hawaii Programs for First-Time Homebuyers
The way to get more information about each program, and apply, is described above. Often an approved lender is the go-to for assistance programs. Before you take steps to apply, make sure you have a copy of your most recent tax return at hand, because you’ll be asked about your household income.
Recommended: Understanding Mortgage Basics
Federal Programs for First-Time Homebuyers
Several federal government programs are designed for people who have low credit scores or limited cash for a down payment. Although most of these programs are available to repeat homeowners, like state programs, they can be especially helpful to people who are buying a first home or who haven’t owned a home in several years.
The mortgages are generally for single-family homes, two- to four-unit properties that will be owner occupied, approved condos, townhomes, planned unit developments, and some manufactured homes.
Federal Housing Administration (FHA) Loans
The FHA, which is part of the U.S. Department of Housing and Urban Development (HUD), insures mortgages for borrowers with lower credit scores. Homebuyers choose from a list of approved lenders that participate in the FHA loan program. Loans have competitive interest rates and require a down payment of 3.5% of the purchase price for borrowers, who typically need FICO® credit scores of 580 or higher. Those with scores as low as 500 must put at least 10% down.
In addition to examining your credit score, lenders will look at your debt-to-income ratio (DTI, your monthly debt payments compared with your monthly gross income). FHA loans allow a DTI ratio of up to 50% in some cases, vs. a typical 57% maximum for a conventional loan.
Gift money for the down payment is allowed from certain donors. A gift letter for the mortgage will be needed to document the source of the funds.
FHA loans always require mortgage insurance: a 1.75% upfront fee and annual premiums for the life of the loan, unless you make a down payment of at least 10%, which allows the removal of mortgage insurance after 11 years. For a $300,000 mortgage balance, upfront MIP would be around $5,250, and monthly MIP, at a rate of 0.55%, would be around $137. You can learn more about these loans, including FHA loans for refinance and rehab of properties, by reading up on FHA requirements, loan limits, and rates.
Freddie Mac Home Possible Mortgages
Very low- and low-income borrowers may make a 3% down payment on a Home Possible® mortgage. These loans allow various sources for down payments, including co-borrowers, family gifts, employer assistance, secondary financing, and sweat equity.
The Home Possible mortgage is for buyers who have a credit score of at least 660.
Once you pay 20% of your loan, the Home Possible mortgage insurance will be canceled, which will lower your mortgage payments.
Fannie Mae HomeReady Mortgages
Fannie Mae HomeReady® Mortgages allow down payments as low as 3% for low-income borrowers. Applicants generally need a credit score of at least 620; pricing may be better for credit scores of 680 and above. Like the Freddie Mac program, HomeReady loans allow flexibility for down payment financing, such as gifts and grants.
For income limits, a comparison to an FHA loan, and other information, go to this Fannie Mae site .
Fannie Mae Standard 97 LTV Loan
The conventional 97 LTV loan is for first-time homebuyers of any income level who have a credit score of at least 620 and meet debt-to-income criteria. The 97% loan-to-value mortgage requires 3% down. Borrowers can get down payment and closing cost assistance from third-party sources.
Department of Veterans Affairs (VA) Loans
Eligible active-duty members of the military, veterans, reservists, and surviving spouses may apply for loans backed by the Department of Veterans Affairs. VA loans, which can be used to buy, build, or improve homes, have lower interest rates than most other mortgages and don’t require a down payment. Most borrowers pay a one-time funding fee that can be rolled into the mortgage.
Another benefit of VA loans is that they do not require private mortgage insurance (PMI) for borrowers who make a down payment of less than 20%. And they have more flexible credit score requirements. In some cases, even those who have previously been in foreclosure or bankruptcy can qualify.
Borrowers applying for a VA loan will need a Certificate of Eligibility from the VA so make sure to review a guide to qualifying for a VA loan as a first step in the process.
Native American Veteran Direct Loans (NADLs)
Eligible Native American veterans and their spouses may use these no-down-payment loans to buy, improve, or build a home on federal trust land. Unlike VA loans listed above, the Department of Veterans Affairs is the mortgage lender on NADLs. The VA requires no mortgage insurance, but it does charge a funding fee.
US Department of Agriculture (USDA) Loans
No down payment is required on these loans to moderate-income borrowers that are guaranteed by the USDA in specified rural areas. Borrowers pay an upfront guarantee fee and an annual fee that serves as mortgage insurance.
The USDA also directly issues loans to low- and very low-income people. For loan basics and income and property eligibility, head to this USDA site .
HUD Good Neighbor Next Door Program
This program helps police officers, firefighters, emergency medical technicians, and teachers qualify for mortgages in the areas they serve. Borrowers can receive 50% off a home in what HUD calls a “revitalization area.” They must live in the home for at least three years. For more information, visit the HUD program page .
First-Time Homebuyer Stats for 2025
Here are some stats on homebuyers and the homebuying process.
• Percentage of buyers nationwide who are first-time buyers: 24%
• Median age of first-time homebuyers nationally: 38
• Median home price in Hawaii: $767,000
• Median rent in Hawaii: $1,93
• 62.4% of Hawaii housing units were owner-occupied
• Average credit score in Hawaii: 732
Additional Financing Tips for First-Time Homebuyers
In addition to federal and state government-sponsored lending programs, there are other financial strategies that may help you become a homeowner. Some examples:
• Traditional IRA withdrawals. The IRS allows qualifying first-time homebuyers a one-time, penalty-free withdrawal of up to $10,000 from their IRA if the money is used to buy, build, or rebuild a home. The IRS considers anyone who has not owned a primary residence in the past two years a first-time homebuyer. You will still owe income tax on the IRA withdrawal. If you’re married and your spouse has an IRA, they may also make a penalty-free withdrawal of $10,000 to purchase a home. The downside, of course, is that large withdrawals may jeopardize your retirement savings.
• Roth IRA withdrawals. Because Roth IRA contributions are made with after-tax money, the IRS allows tax- and penalty-free withdrawals of contributions for any reason as long as you’ve held the account for five years. You may also withdraw up to $10,000 in earnings from your Roth IRA without paying taxes or penalties if you are a qualifying first-time homebuyer and you have had the account for five years. With accounts held for less than five years, homebuyers will pay income tax on earnings withdrawn.
• 401(k) loans. If your employer allows borrowing from the 401(k) plan that it sponsors, you may consider taking a loan against the 401(k) account to help finance your home purchase. With most plans, you can borrow up to 50% of your 401(k) balance, up to $50,000, within a 12-month period, without incurring taxes or penalties. You pay interest on the loan, which is paid into your 401(k) account. You usually have to pay back the loan within five years, but if you’re using the money to buy a house, you may have up to 15 years to repay.
• State and local down payment assistance programs. Usually offered at the regional or county level, these programs provide flexible second mortgages for first-time buyers looking into how to afford a down payment.
• The mortgage credit certificate program. First-time homeowners and those who buy in targeted areas can claim a portion of their mortgage interest as a tax credit, up to $2,000. Any additional interest paid can still be used as an itemized deduction. To qualify for the credit, you must be a first-time homebuyer, live in the home, and meet income and purchase price requirements, which vary by state. If you refinance, the credit disappears, and if you sell the house before nine years, you may have to pay some of the tax credit back. There are fees associated with applying for and receiving the mortgage credit certificate that vary by state. Often the savings from the lifetime of the credit can outweigh these fees.
• Your employer. Your employer may offer access to lower-cost lenders and real estate agents in your area, as well as home buying education courses.
• Your lender. Always ask your lender about any first-time homebuyer grant or down payment assistance programs available from government, nonprofit, and community organizations in your area.
The Takeaway
Being a first-time homebuyer in Hawaii can be especially challenging, but if you can qualify for one of the mortgage and assistance programs, you may be able to reduce costs. Other first-time buyers can look for advantages among the world of mortgages on their own.
Looking for an affordable option for a home mortgage loan? SoFi can help: We offer low down payments (as little as 3% - 5%*) with our competitive and flexible home mortgage loans. Plus, applying is extra convenient: It's online, with access to one-on-one help.
FAQ
Should I take first-time homebuyer classes?
Yes! Good information is key to a successful purchase process for anyone, but especially for newcomers, who can easily be overwhelmed by purchasing a home. First-time homebuyer classes can help. Indeed they are required for many government-sponsored loan programs.
Do first-time homebuyers with bad credit qualify for homeownership assistance?
Often they do. Many government and nonprofit homeowner assistance programs are available to people with low credit scores. And often, interest rates and other loan pricing are competitive with those of loans available to borrowers with higher credit scores. That said, almost any lending program has credit qualifications.
Is there a first-time homebuyer tax credit in Hawaii?
There is not currently a mortgage credit certificate (MCC) program offered through the Hawaii Housing Finance and Development Corporation, although there has been one in the past. However, reissuance applications for existing MCC holders are still being processed through participating lenders. Homebuyers should check with their lender or tax advisor as tax policies change periodically.
Is there a first-time veteran homebuyer assistance program in Hawaii?
HHOC Mortgage offers a special VA loan, paired with a deferred second mortgage if needed, for veterans who meet income guidelines. VA-backed home loans are available nationwide to eligible service members, veterans, and surviving spouses.
What credit score do I need for first-time homebuyer assistance in Hawaii?
Credit score minimums may vary from one program to the next, and some programs use criteria other than credit scores to determine a borrower’s eligibility. You can check with the organization or lender offering first-time homebuyer assistance to get specific financial requirements.
What is the average age of first-time homebuyers?
The median age of first-time buyers was 38 as of late 2024, an all-time high.
Photo credit: iStock/JamesBrey
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Terms, conditions, and state restrictions apply. Not all products are available in all states. See SoFi.com/eligibility-criteria for more information.
*SoFi requires Private Mortgage Insurance (PMI) for conforming home loans with a loan-to-value (LTV) ratio greater than 80%. As little as 3% down payments are for qualifying first-time homebuyers only. 5% minimum applies to other borrowers. Other loan types may require different fees or insurance (e.g., VA funding fee, FHA Mortgage Insurance Premiums, etc.). Loan requirements may vary depending on your down payment amount, and minimum down payment varies by loan type.
Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.
Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.
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Tax Information: This article provides general background information only and is not intended to serve as legal or tax advice or as a substitute for legal counsel. You should consult your own attorney and/or tax advisor if you have a question requiring legal or tax advice.
¹FHA loans are subject to unique terms and conditions established by FHA and SoFi. Ask your SoFi loan officer for details about eligibility, documentation, and other requirements. FHA loans require an Upfront Mortgage Insurance Premium (UFMIP), which may be financed or paid at closing, in addition to monthly Mortgage Insurance Premiums (MIP). Maximum loan amounts vary by county. The minimum FHA mortgage down payment is 3.5% for those who qualify financially for a primary purchase. SoFi is not affiliated with any government agency.
†Veterans, Service members, and members of the National Guard or Reserve may be eligible for a loan guaranteed by the U.S. Department of Veterans Affairs. VA loans are subject to unique terms and conditions established by VA and SoFi. Ask your SoFi loan officer for details about eligibility, documentation, and other requirements. VA loans typically require a one-time funding fee except as may be exempted by VA guidelines. The fee may be financed or paid at closing. The amount of the fee depends on the type of loan, the total amount of the loan, and, depending on loan type, prior use of VA eligibility and down payment amount. The VA funding fee is typically non-refundable. SoFi is not affiliated with any government agency.
Checking Your Rates: To check the rates and terms you may qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.
Qualifying for the reward requires using a real estate agent that participates in HomeStory’s broker to broker agreement to complete the real estate buy and/or sell transaction. You retain the right to negotiate buyer and or seller representation agreements. Upon successful close of the transaction, the Real Estate Agent pays a fee to HomeStory Real Estate Services. All Agents have been independently vetted by HomeStory to meet performance expectations required to participate in the program. If you are currently working with a REALTOR®, please disregard this notice. It is not our intention to solicit the offerings of other REALTORS®. A reward is not available where prohibited by state law, including Alaska, Iowa, Louisiana and Missouri. A reduced agent commission may be available for sellers in lieu of the reward in Mississippi, New Jersey, Oklahoma, and Oregon and should be discussed with the agent upon enrollment. No reward will be available for buyers in Mississippi, Oklahoma, and Oregon. A commission credit may be available for buyers in lieu of the reward in New Jersey and must be discussed with the agent upon enrollment and included in a Buyer Agency Agreement with Rebate Provision. Rewards in Kansas and Tennessee are required to be delivered by gift card.
HomeStory will issue the reward using the payment option you select and will be sent to the client enrolled in the program within 45 days of HomeStory Real Estate Services receipt of settlement statements and any other documentation reasonably required to calculate the applicable reward amount. Real estate agent fees and commissions still apply. Short sale transactions do not qualify for the reward. Depending on state regulations highlighted above, reward amount is based on sale price of the home purchased and/or sold and cannot exceed $9,500 per buy or sell transaction. Employer-sponsored relocations may preclude participation in the reward program offering. SoFi is not responsible for the reward.
SoFi Bank, N.A. (NMLS #696891) does not perform any activity that is or could be construed as unlicensed real estate activity, and SoFi is not licensed as a real estate broker. Agents of SoFi are not authorized to perform real estate activity.
If your property is currently listed with a REALTOR®, please disregard this notice. It is not our intention to solicit the offerings of other REALTORS®.
Reward is valid for 18 months from date of enrollment. After 18 months, you must re-enroll to be eligible for a reward.
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SOHL-Q225-218
Grocery Inflation Hacks: How to Fill Your Fridge for Less
This article appeared in SoFi's On the Money newsletter. Not getting it? Sign up here.
So you’ve committed to eating out less in order to save money.
But the price of groceries is no picnic either. Even with the rate of inflation slowing dramatically, the overall cost of groceries is still 27% higher than before the pandemic started, making food shopping a weekly challenge for many Americans. A growing number of people are even using Buy Now Pay Later loans at the supermarket.
One bit of good news: Grocery costs dropped 0.4% between March and April. That might not sound like much, but it’s the most they’ve fallen in a single month since 2020, according to the Consumer Price Index. In fact, it was only the fifth month there was any decline at all since 2020.
Which prices changed the most? The price of eggs saw the biggest decline, falling almost 13% in April as the impact of bird flu outbreaks waned. They were still 49% pricier than just a year earlier, but moving in the right direction. Frankfurters saw the second-biggest drop, followed by oranges, frozen vegetables and frozen/chilled baked goods.
But what about coffee with your eggs and ketchup and mustard for your hot dog? Condiments saw the biggest increase — rising by 8% during the month — followed by coffee, both roasted and instant, and tea.
So what can you do to relieve the pressure of inflation?
First, sign up for any free loyalty programs to make sure you’re getting all of a store’s sale prices and have access to their digital coupons. (Here’s one list of the best ones.) That alone might save you $30 or $40 on a $150 bill.
But there are plenty of other ways to cut your tab if you’re strategic with your shopping. Here are a few of our favorites.
Choose your protein wisely. As a category, the cost of protein — meat, poultry, fish and eggs — has gone up more than any other over the past year. So now’s a great time to learn about cheaper protein sources, whether that means moving toward a vegetarian diet with beans, nuts, and dairy or finding ways to make a pound of chicken stretch further in casseroles and soups.
Use unit pricing. You want the best deal, but it can be hard to compare prices when things are sold in different-sized packages. Avoid this by comparing the unit prices on grocery items using a calculator or app like this one. (You can also use the store’s unit pricing labels on the shelf — they’re often right next to the regular price.) Then determine what’s cheapest — maybe it’s the store brand, the on-sale product or a bulk size. If the price is right, buy family-size packages of meat or bread and freeze in smaller portions.
Buy frozen fruits and veg (or freeze them on your own). Buy only the produce you’ll use before it goes bad. Otherwise you’re wasting more than money. The U.S. throws out more food than any other country in the world: nearly 60 million tons — 120 billion pounds — every year, according to waste-collection company Recycle Track Systems. That’s estimated to be almost 40 percent of the country’s entire food supply.
If you regularly throw out fresh produce, look for frozen or canned alternatives. Frozen versions are often harvested at peak ripeness and will last longer and potentially cost less. You can also buy produce on sale or in season and then freeze the savings. If your bill is higher because you’re buying organic, consider the Clean 15 — non-organic produce that has lower amounts of pesticide residue.
Ask the grocer for help. Speaking of avoiding waste, grocery employees may be able to cut the amount of certain items to your needs and budget. And not just at the deli counter. If you only need half of a cabbage or won’t eat that many grapes in a week, ask the person in charge of produce nicely if they can trim it down and repackage. If it’s at the deli, don’t be afraid to ask for a couple of slices of cheese if that’s all you need.
Switch grocery stores. Grocery store prices can vary a lot, so it’s worth branching out to stores you don’t normally use in order to compare. You can also do online research to see what others like and dislike about various chains. You might even find it’s worth it to make two trips a week — shopping at one store for all your produce and another for your milk and cereal, for example.
Related Reading
• Grocery Store Swaps That Will Help You Save Money (Mashed)
• 12 Grocery Shopping Tricks That’ll Save You Money Every Week (Real Simple)
• 15 Secret Grocery Shopping Tips You Need to Know (Taste of Home)
Please understand that this information provided is general in nature and shouldn’t be construed as a recommendation or solicitation of any products offered by SoFi’s affiliates and subsidiaries. In addition, this information is by no means meant to provide investment or financial advice, nor is it intended to serve as the basis for any investment decision or recommendation to buy or sell any asset. Keep in mind that investing involves risk, and past performance of an asset never guarantees future results or returns. It’s important for investors to consider their specific financial needs, goals, and risk profile before making an investment decision.
The information and analysis provided through hyperlinks to third party websites, while believed to be accurate, cannot be guaranteed by SoFi. These links are provided for informational purposes and should not be viewed as an endorsement. No brands or products mentioned are affiliated with SoFi, nor do they endorse or sponsor this content.
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