First-Time Homebuyer Calculator

Down payment assistance (DPA) from a state housing finance agency can cover the minimum down payment and part of the closing costs, but each agency sets its own amount, income limits and repayment terms. Pick a state and one of its programs: the calculator applies that program's published rule to your purchase price, checks your income against the agency's limits where they are published as a single table, and shows whether the assistance covers the minimum down payment.

The rules come from the agencies' own pages, read on October 20, 2026. Some pay a share of the price. CalHFA's MyHome lends up to 3.5% of the price with a CalHFA FHA loan (3% with a conventional loan) and has no dollar cap. Georgia Dream pays the lesser of 5% of the price or $10,000 (6% or $12,500 for its PEN and Choice options). IHDA's Access loans in Illinois pay 4% up to $6,000, 5% up to $7,500, 10% up to $10,000 or 6% up to $15,000. SONYMA's DPAL in New York pays 3% of the price up to $15,000, and never less than $3,000. Others pay a share of the first mortgage: CHFA's grant in Colorado is the lesser of 3% or $25,000 (4% as a second mortgage), WSHFC's Home Advantage in Washington 3%, 4% or 5%, TSAHC in Texas up to 5%, and Florida Housing's PLUS second mortgage 3%, 4% or 5%. Florida Assist is a flat amount of up to $10,000. For a share of the loan, the calculator takes the first mortgage as the price less the minimum down payment (3.5% for FHA, 3% for conventional).

Income limits are set per county, and usually per household size. Where an agency publishes them as one table, the calculator compares your income: CalHFA's 2026 limits run from $192,000 to $325,000 by county, Georgia Dream's from $101,700 to $137,555 for one or two people ($116,955 to $158,188 for three or more), and WSHFC has one statewide limit of $215,000. Below the lowest county limit you pass the income test anywhere in the state, above the highest you pass it nowhere, and in between it depends on the county. In Texas, Florida, New York, Illinois and Colorado the limit depends on your county, so the calculator links to the agency's lookup. It does not check credit score, debts, savings or purchase price limits, which a participating lender confirms.