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No-fee Money for Your First Home: A Guide to 2026 Buyer Grants

62% of homebuyer assistance programs now help people with incomes over $100,000, and the average down payment grant is $18,000. The myth that you need 20% down no longer holds true in today's lending landscape.

Thousands of down payment assistance programs exist in every county, and many have broadened their eligibility rules far beyond what most homebuyers realize. Whether you're a moderate-income earner or have higher earnings, grant money is within reach. Learn which programs match your income level, how to search for local opportunities, and what documentation lenders need to see. This buyer grants guide shows you the fastest path to homeownership without depleting your savings.

 

Who This Guide Is For

First-time homebuyers who thought a 20% down payment was the only option
 
Moderate and middle-income households eligible for assistance programs they don't yet know about
 
Families searching for down payment help without having to use personal retirement accounts
 
Read the Full Guide  →

Did you know? Many homebuyers with incomes above $100,000 qualify for assistance programs, and hundreds of programs have no income limits whatsoever.

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