: Offers up to $7,500 that can be used for non-recurring closing costs. They also have a separate Down Payment Grant program that provides up to 3% of the purchase price (max $10,000) in select markets.

Several major financial institutions and national organizations offer grants that aren't restricted to a single city or state.

State housing finance agencies (HFAs) are often the most reliable sources for significant funding. Ready to Buy a Home? Find Out What's New

: Provides up to $5,000 (sometimes cited up to $7,500 ) to help lower your interest rate, cover Chase fees, or contribute to your down payment in certain eligible areas.

: A $10,000 grant for eligible buyers in specific locations; it can often be combined with other assistance programs.

: Offers up to 5% of the mortgage loan amount for down payments or closing costs. This program is unique because it's available to both first-time and repeat buyers and has flexible credit score requirements. State and Local Highlights

Buying a home is one of the biggest financial hurdles you'll face, but you don't have to do it alone. are essentially "free money" provided by governments, non-profits, or private lenders to help cover your down payment or closing costs. Unlike loans, true grants do not need to be repaid. Top National & Bank Grants

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