Here is some sites information on different grants available.

Alabama: The state of Alabama does not currently offer first time home buyer grants. They do, however, offer below market interest rates to first time home buyers. Depending on your income, in some cases the interest rate is zero. While this is not technically a grant, it is the same net effect. You are basically given the money you would have paid in interest on your mortgage loan. There are other grant options available to residents of Alabama as well. Please go to Alabama First Time Home Buyer Grants for more information.

Alaska: The state of Alaska does provide a variety of first time home buyer grant programs. Go to Alaska First Time Home Buyer Grants for complete information.

Arizona: The state of Arizona provides several first time home buyer grant programs. Go to Arizona First Time Home Buyer Grants for more information.

Arkansas: The state of Arkansas provides one first time home buyer grant program, the Downpayment Assistance Program. To find out more, go to Arkansas First Time Home Buyer Grant.

California: The state of California does not currently offer first time home buyer grants. They do, however, offer low-interest loans to first time home buyers who meet certain income limits. There are also local grant programs available in various communities. Please go to California First Time Home Buyer Grants for complete information.

Colorado: The state of Colorado doesn't currently offer first time home buyer grants, but they do offer low-interest loans to first time home buyers who meet certain income limits. There are also local grant programs available in various communities. Please go to Colorado First Time Home Buyer Grants for more information.

Connecticut: Unfortunately, the state of Connecticut doesn't currently offer first time home buyer grants, but does offer low-interest loans to first time home buyers who meet certain income limits. There are also local grant programs available in various communities. Please go to Connecticut First Time Home Buyer Grants for complete information.

Delaware: The state of Delaware provides one first time home buyer grant program which will give you a grant up to 3% of the mortgage amount which is available to pay closing costs. Visit Delaware First Time Home Buyer Grant for more info.

Florida: The state of Florida does provides a few different first time home buyer grant programs. Please visit Florida First Time Home Buyer Grants for complete details.

Georgia: The state of Georgia provides one first time home buyer grant program. For complete details, visit Georgia First Time Home Buyer Grant.

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Now more than ever banks are cautious about lending money. Loan standards have tightened substantially since the onset of the subprime mortgage crisis. A very good credit score is essential. If you need help in this area, see our page on how to rebuild credit for detailed information.

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Hawaii: The state of Hawaii, through the Department of Hawaiian Home Lands, hopes to award thousands of native Hawaiians in the next five years. To find our more, please visit Hawaii First Time Home Buyer Grants.

Idaho: Unfortunately, the state of Idaho does not currently offer first time home buyer grants,  but does offer low-interest loans to first time home buyers who meet certain income limits. There are also local grant programs available in various communities. Please go to Idaho First Time Home Buyer Grants for more information.

Illinois: The state of Illinois currently provides one first time home buyer grant program for low-income first time home buyers. For complete information, please visit Illinois First Time Home Buyer Grant.

Indiana: The state of Indiana does not currently provide a first time home buyer grant program, but they do offer a loan that can turn into a grant. You can receive up to $3,500. Please visit Indiana First Time Home Buyer Grant for complete details.

Iowa: The state of Iowa provides several first time home buyer grant programs. Go to Iowa First Time Home Buyer Grants for more information.

Kansas: The state of Kansas offers the First Time Home Buyers Program, but it is currently out of funding until September 1, 2006. For more info, please go to Kansas First Time Home Buyer Grant.

Kentucky: The state of Kentucky does not currently provide a first time home buyer grant program, but they do offer several loan programs that can turn into a grants. You can receive up to $10,000 depending upon your income.. Please visit Kentucky First Time Home Buyer Grants for complete details.

Louisiana: Unfortunately, the state of Louisiana does not currently offer first time home buyer grants, but does offer low-interest loans to first time home buyers who meet certain income limits. There are also local grant programs available in various communities. Please go to Louisiana First Time Home Buyer Grants for more information.

Maine: The state of Maine provides one first time home buyer grant program: Maine Assist.  For more information, please visit Maine First Time Home Buyer Grant.

Maryland: Unfortunately, the state of Maryland does not currently offer first time home buyer grants, but only provides reduced interest loans. There are, however, local grant programs as well as Federal programs. Please visit Maryland First Time Home Buyer Grants for more information.

Massachusetts: Unfortunately, the state of Massachusetts does not currently offer first time home buyer grants, but only provides reduced interest loans. There are, however, local grant programs as well as Federal programs. Please visit Massachusetts First Time Home Buyer Grants for more information.

Michigan: Unfortunately, the state of Michigan does not currently offer first time home buyer grants, but only provides reduced interest loans. There are, however, local grant programs as well as Federal programs. Please visit Michigan First Time Home Buyer Grants for more information.

Minnesota: Unfortunately, the state of Minnesota does not currently offer first time home buyer grants, but only provides reduced interest loans. There are, however, dozens of local grant programs as well as Federal programs. Please visit Minnesota First Time Home Buyer Grants for more information.

Mississippi: The state of Mississippi provides one first time home buyer grant program: Down Payment Assistance Program. You can receive up to 3% of the mortgage amount. Please visit Mississippi First Time Home Buyer Grant for more information.

Missouri: The state of Missouri provides one first time home buyer grant program: First Place Loan Program. You can receive up to 3% of the mortgage amount as a grant. For more information, please visit Missouri First Time Home Buyer Grant.

Montana: Unfortunately, the state of Montana does not currently offer first time home buyer grants, but only provides reduced interest loans. There are, however,  local grant programs as well as Federal programs. Please visit Montana First Time Home Buyer Grants for more information.

Nebraska: The state of Nebraska provides one first time home buyer grant program: Single Family Homebuyer Assistance. You can receive up to 4.25% of the mortgage amount as a loan that turns into a grant. For more information, please go to Nebraska First Time Home Buyer Grant.

Nevada: Unfortunately, the state of Nevada does not currently offer first time home buyer grants, but only provides reduced interest loans. There are, however,  local grant programs as well as Federal programs. Please visit Nevada First Time Home Buyer Grants for more information.

New Hampshire: The state of New Hampshire provides one first time home buyer cash grant program: Single Family Mortgage Program. You can receive up to 4% of the mortgage amount as a cash grant. For more information, please go to New Hampshire First Time Home Buyer Grant.

New Jersey: The state of New Jersey provides a unique first time home buyer grant program: Individual Development Accounts. You can receive a grant of up to $4 for every dollar you save towards the down payment for your first home. Please visit New Jersey First Time Home Buyer Grant for complete information.

New Mexico: Unfortunately, the state of New Mexico does not currently offer first time home buyer grants, but only provides reduced interest loans. There are, however,  local grant programs as well as Federal programs. Please visit New Mexico First Time Home Buyer Grants for more information.

New York: The state of New York provides one first time home buyer grant program, but like some other states, it is a loan that turns into a grant after a period of time. You can receive up to 5% of the mortgage amount. For more information, please go to New York First Time Home Buyer Grant.

North Carolina: The state of North Carolina provides one program that is very close to a grant: The American Dream Down payment Initiative. First time home buyers can get up to $7,000 for use toward the down payment and closing costs. To find out more, please go to North Carolina First Time Home Buyer Grant.

North Dakota: The state of North Dakota provides one first time home buyer cash grant program: Start Program. You can receive up to 3% of the mortgage amount as a cash grant. For more information, please go to North Dakota First Time Home Buyer Grant.

Ohio: The state of Ohio provides one cash grant program. First time home buyers can receive a grant of 2% of the home's purchase price. For more information, please visit Ohio First Time Home Buyer Grant.

Oklahoma: The state of Oklahoma provides one cash grant program for first time home buyers who do not have funds for the down payment and closing costs: 1st Gold. To find out more, please go to Oklahoma First Time Home Buyer Grant.

Oregon: The state of Oregon provides one program that is very close to a grant: Purchase Assistance Loan. First time home buyers can get up to $10,000 for use toward the down payment and closing costs. To find out more, please check out Oregon First Time Home Buyer Grant.

Pennsylvania: The state of Pennsylvania provides one program that is very close to a grant: HOMEstead. First time home buyers can get up to $15,000 for use toward the down payment and closing costs. Please visit Pennsylvania First Time Home Buyer Grant for more details.

Rhode Island: Unfortunately, the state of Rhode Island does not currently offer first time home buyer grants, but only provides reduced interest loans. There are, however,  local grant programs as well as Federal programs. Please visit Rhode Island First Time Home Buyer Grants for more information.

South Carolina: The state of South Carolina provides one first time home buyer grant program, but like some other states, it is a loan that turns into a grant after a period of time. You can receive up to $4,000 that is forgiven if you remain in your home for 5 years. For more information, please go to South Carolina First Time Home Buyer Grants.

South Dakota: The state of South Dakota provides one program that is very close to a grant: The American Dream Down payment Initiative. First time home buyers can get a zero-interest loan for use toward the down payment and closing costs. What you would have paid in interest in effect becomes a grant. Go to South Dakota First Time Home Buyer Grant to find out more.

Tennessee: The state of Tennessee provides one first time home buyer grant program: American Dream Down payment Initiative grant. You can receive up to $5,000 that is forgiven if you remain in your home for 5 years. Funding for the current year has been exhausted, but a new fiscal year begins July 1, 2006. Fore more information, please go to Tennessee First Time Home Buyer Grant.

Texas: The state of Texas provides one first time home buyer grant program:  Program 61 - Non-targeted. However, it is currently out of funding. When the program gets renewed funding, first time home buyers can get a cash grant of 4% to be used for down payment and closing costs. For more information, please visit Texas First Time Home Buyer Grant.

Utah: Unfortunately, the state of Utah does not currently offer first time home buyer grants, but only provides reduced interest loans. However, there are other grant options available to residents of Utah. Please go to Utah First Time Home Buyer Grants for more information.

Vermont: The state of Vermont provides one first time home buyer grant program, but like some other states, it is a loan that turns into a grant after a period of time. You can receive up to 3% of your loan amount that is forgiven if you remain in your home for 4 years. For more information, please go to Vermont First Time Home Buyer Grant.

Virginia: Unfortunately, the state of Virginia does not currently offer first time home buyer grants, but only provides reduced interest loans. However, there are other grant options available to residents of Virginia. Please go to Virginia First Time Home Buyer Grants for more information.

Washington: Unfortunately, the state of Washington does not currently offer first time home buyer grants, but only provides reduced interest loans. However, there are other grant options available to residents of Washington. Please go to Washington First Time Home Buyer Grants for more information.

Wisconsin: The state of Wisconsin does not currently offer first time home buyer grants, but only provides reduced interest loans. However, there are other grant options available to residents of Washington. Please go to Wisconsin First Time Home Buyer Grants for more information.

Wyoming: The state of Wyoming provides one first time home buyer grant program, but like some other states, it is a loan that turns into a grant after a period of time. You can receive up to $2,000 that is forgiven if you remain in your home for 30 years. For more information, please go to Wyoming First Time Home Buyer Grants.

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