Is there a grant for first time home buyers in the USA?
104532
I don't know but if there is federal money available, you'll be able to find it at www.grants.gov.
33185
In certain circumstances builders may offer incentives to buyers in general.  They may be in the form of allowances for closing costs or improvements to your new home.  \n\nAs a first time homebuyer with no mortgage history you are the greatest risk to a lending institution especially if you seek to borrow 100% of the price of your new home when purchasing.\n\nThe best step to take is seek the assistance of a mortgage professional who can provide you with multiple solutions to your lending needs and answer your many questions concerning your first home purchase.  \n\nEmail me and I'll send you a free Homebuyers Handbook in .pdf format.
899580
Head over to http://www.firstgov.gov and click on 'benefits and grants' to find the loan you need.
630333
From the HUD website http://www.hud.gov/offices/adm/grants/fundsavail.cfm#grants here are the available grants on housing. Check if you can qualify for any of them\n\nAssisted Living Conversion Program for Eligible Multifamily Projects \nBrownfields Economic Development Initiative \nCommunity Development Block Grant Program for Indian Tribes and Alaska Native Villages (ICDBG) \nCommunity Development Technical Assistance (TA) \n  HOME TA  \n  CHDO (HOME) TA  \n  Homeless TA  \n  HOPWA TA  \n  Youthbuild TA  \n\nFair Housing Initiatives Programs   Fair Housing -- Private Enforcement Initiative (PEI)  \n  Fair Housing -- Education and Outreach Initiative (EOI)  \n\nHealthy Homes and Lead Hazard Control Programs   Healthy Homes Studies  \n  Lead Technical Studies  \n  Healthy Homes Demonstration  \n  Lead Hazard Control Program  \n  Lead Outreach Program  \n  Operation Lead Elimination Action Program (LEAP)  \n  Lead Paint Hazard Reduction Demonstration  \n\nHousing Choice Voucher Family Self-Sufficiency (FSS) Program Coordinators \nHousing Counseling Programs   Housing Counseling -- Local Housing Counseling Agencies  \n  Housing Counseling -- National, Regional, and Multi-State Intermediaries  \n  Housing Counseling -- State Housing Finance Agencies  \n\nHousing Opportunities for Persons with AIDS (HOPWA) \nPublic Housing Family Self-Sufficiency \nPublic Housing Neighborhood Networks \nResident Opportunity and Self-Sufficiency (ROSS) Programs   Resident Services Delivery Model - Ederly and Persons with Disabilities\n \n  Resident Service Delivery Model - Family-Homeownership\n \n\nRural Housing and Economic Development \nSection 202 Supportive Housing for the Elderly \nSection 811 Supportive Housing for Persons with Disabilities \nSelf-Help Homeownership Opportunity Program (SHOP) \nService Coordinators in Multifamily Housing \nUniversity and College Programs   Historically Black Colleges and Universities (HBCUs) Program  \n  Hispanic-Serving Institutions Assisting Communities (HSIAC) Program  \n  Alaska Native/Native Hawaiian Institutions Assisting Communities (AN/NHIAC) Program  \n  Tribal Colleges and Universities (TCUP)  \n\nYouthbuild \n\nTo apply for any of the above grants, you need to go to Grants.gov http://www.grants.gov and follow their instructions on how the individual can apply for a grant\n\nThe 14.247 HUD Self-Help Homeownership Opportunity Program grant http://12.46.245.173/pls/portal30/CATALOG.PROGRAM_TEXT_RPT.SHOW?p_arg_names=prog_nbr&p_arg_values=14.247 is the most promising for your purposes but its aim is \n\n"To facilitate and encourage innovative homeownership opportunities through the provision of self-help housing where the homebuyer contributes a significant amount of sweat equity toward the construction of the dwellings." \n\nwhich means you have to buy a rundown property and fix it, and the grant only gives $15,000.\n\nYou may want to check further with Catalog of Federal Domestic Assistance which is the database for all grants
634145
It is hard to find grants to start a business -- for both natural born Americans and new citizens (in fact, there are no grants available just for being a new citizen). \n\nUnlike the myths that some perpetuate, federal government and even private foundations hardly give grant money for a for-profit business. And yes, grants mean PAPERWORK - lots and lots of it, that is why a cottage industry of grant writers was born.\n\nNonetheless, you can go to the Catalog of Federal Domestic Assistance (CFDA) http://www.cfda.gov and Grants.gov http://www.grants.gov - these are two sites created by the federal government to provide transparency and information on grants. Browse through the listings and see if you can find any grant that would support a for-profit venture.\n\nEven if you buy books on "how to get grants" or list that supposedly has information on grants -- all of them are mere rehash of what CFDA has, albeit packaged differently. But still the info is the same - hardly any grants for starting a for profit business.\n\nEven SBA does NOT give out grants. From the SBA website http://www.sba.gov/expanding/grants.html... \n\n"The U.S. Small Business Administration does not offer grants to start or expand small businesses, although it does offer a wide variety of loan programs. (See http://www.sba.gov/financing for more information) While SBA does offer some grant programs, these are generally designed to expand and enhance organizations that provide small business management, technical, or financial assistance. These grants generally support non-profit organizations, intermediary lending institutions, and state and local governments."\n\nHere is a listing of federal grants for small businesses. See if there is any available for individuals for starting a business -- THERE'S NONE.\nhttp://12.46.245.173/pls/portal30/CATALOG.BROWSE_BENEF_RPT.show\n\nMost of the federal grants are given to specific target groups with specific requirements (e.g. minority business owners involved in transportation related contracts emanating from DOT - Grant#20.905 Disadvantaged Business Enterprises Short Term Lending Program \n\nGrants are also often given to non profit groups or organizations involved in training or other similar activities (grant 59.043 Women's Business Ownership Assistance that are given to those who will create women's business center that will train women entrepreneurs \n\nFor private grants, you may want to check the Foundation Center's Foundation Grants for Individuals Online. It's a subscription based website ($9.95 per month) but their opening blurb only says that the database is ideal for "students, artists, academic researchers, libraries and financial aid offices." Entrepreneurs are apparently not one of them, so I take it they also don't have listings of private foundations who give grants to would-be entrepreneurs.\n\nhttp://www.cfda.gov\nhttp://www.grants.gov\nhttp://gtionline.fdncenter.org\nhttp://www.powerhomebiz.com/vol66/grants.htm\nhttp://www.sba.gov/expanding/grants.html
1113484
It is hard to find grants to start a business. Unlike the myths that some perpetuate, federal government and even private foundations hardly give grant money for a for-profit business. And yes, grants mean PAPERWORK - lots and lots of it, that is why a cottage industry of grant writers was born.\n\nNonetheless, you can go to the Catalog of Federal Domestic Assistance (CFDA) http://www.cfda.gov and Grants.gov http://www.grants.gov - these are two sites created by the federal government to provide transparency and information on grants. Browse through the listings and see if you can find any grant that would support a for-profit venture and if you can get grant funds for buying a house.\n\nEven if you buy books on "how to get grants" or list that supposedly has information on grants -- all of them are mere rehash of what CFDA has, albeit packaged differently. But still the info is the same - hardly any grants for starting a for profit business.\n\nEven SBA does NOT give out grants. From the SBA website http://www.sba.gov/expanding/grants.html \n\n"The U.S. Small Business Administration does not offer grants to start or expand small businesses, although it does offer a wide variety of loan programs. (See http://www.sba.gov/financing for more information) While SBA does offer some grant programs, these are generally designed to expand and enhance organizations that provide small business management, technical, or financial assistance. These grants generally support non-profit organizations, intermediary lending institutions, and state and local governments."\n\nHere is a listing of federal grants for small businesses. See if there is any available for individuals for starting a business -- THERE'S NONE.\nhttp://12.46.245.173/pls/portal30/CATALOG.BROWSE_BENEF_RPT.show\n\nYou can also go to the HUD website for listing of grants available on housing http://www.hud.gov/grants/index.cfm Note though that "HUD does not offer direct grants or loans to individuals" as stated in their Resources for Individuals section\n\nMost of the federal grants are given to specific target groups with specific requirements (e.g. minority business owners involved in transportation related contracts emanating from DOT - Grant#20.905 Disadvantaged Business Enterprises Short Term Lending Program \n\nGrants are also often given to non profit groups or organizations involved in training or other similar activities (grant 59.043 Women's Business Ownership Assistance that are given to those who will create women's business center that will train women entrepreneurs \n\nFor private grants, you may want to check the Foundation Center's Foundation Grants for Individuals Online. It's a subscription based website ($9.95 per month) but their opening blurb only says that the database is ideal for "students, artists, academic researchers, libraries and financial aid offices." Entrepreneurs are apparently not one of them, so I take it they also don't have listings of private foundations who give grants to would-be entrepreneurs.\n\nhttp://www.cfda.gov\nhttp://www.grants.gov\nhttp://gtionline.fdncenter.org\nhttp://www.powerhomebiz.com/vol66/grants.htm\nhttp://www.sba.gov/expanding/grants.html
175078
fannie mae and freddie mac are mortgage investors, most lenders will have some form of these products, my recommendation would be the my community 100 loan program, this is a zero down loan program which can help first time home buyers without excess cash available for down payments, it will also allow for up to 5% in seller concessions for recurring and non recurring closing costs.  I am a mortgage lender, and you would be very surprised at the programs that are now available to help purchase your first home.  Good luck and if you have any questions,  please e-mail me and I will get back to you as quickly as possible
1082974
My husband and I were truly blessed we we bought our home. There is a program called Ameridream and if you are a first time homebuyer or a minority, the government will cover your downpayment. No gimmicks or paypacks. It was awesome. We saved 5k on the downpayment. We got an interest rate of like 6% and if we did a 80/20 the rate would have been 7.5%.
167441
Visit the HUD page on available grants and check if there is anything available where you can qualify and fits your needs\n\nhttp://www.hud.gov/grants/index.cfm\n\nYou will be required to submit your grant application electronically (mandatory now)\nhttp://www.hud.gov/grants/index.cfm
930605
Hi,\n\nGreat post! I had the same exact grant question a few months ago. It's really tricky to find out about this stuff on the net, but my wife bought me special special software (CD) for my birthday. The program rocks for finding the grant info you want. btw...this is the software that was featured on CNBC and in USA Today.\n\nThis company is giving away the software free (only $3.95 for shipping)!!!!!!!\nHere's the link\nhttp://www.alllsite.info/free-grant-money.php\n\nI'm sure you'll find the info there\nGood luck
416452
Generally speaking no because you can visit "www.firstgov.gov" and after a short survey receive a list of programs you may be eligible for including scholarships, loans, grants, you name it.
74186
You can purchase a home and fulfill your mother's dream. You should go to a first time home buyer's seminar, a bank in your area might be having one soon. You can also look for information on low interest government programs at www.Fanniemae.com and www.Habitatforhumanity.com these are two programs that I know of. You should probably be the one to apply because of your age and income. You may also be able to apply together. Your income is quite low, so you may have to get a part-time job to supplement your income to be eligible. Can't hurt to look into all your options. Good Luck.
1133744
Disaster grants are given at the State Level.  They are federal grants but the state distributes the funds and you'll have to contact your state's distribution director for an application.  You have to meet certain criteria also before a grant is given.  You may be able to qualify for a Small Business Loan for a home purchase. The interest rate is 2.86% fixed for 30 years and you do not have to make your first payment until 12 months after closing.  It's a good option also.  Good Luck.\n\nHurricane Katrina Survivor
841481
All states, including Texas, offer a government sponsored first time home buyer program directed towards lower income buyers.  The buyer (or better yet ... the borrower) definitely needs to be a citizen.  If your credit is a mess, they usually offer credit counseling as a free service.  These government programs usually include down payment assistance in the form of a forgivable deferred loan (a loan you never have to pay back that goes away over a small number of years), which is much like a grant as long as you don't buy and sell your house fast.  Some states offer special interest rates too.  It usually works out to be a better than average deal if you can qualify.  I found the program for Texas in the link below.  Good luck!
422409
You can go to the Catalog of Federal Domestic Assistance (CFDA) http://www.cfda.gov and Grants.gov http://www.grants.gov - these are two sites created by the federal government to provide transparency and information on grants. Browse through the listings and see if you can find any grant that would support your purposes. \n\nIn the instructions at Grants.gov, you have to first go to CFDA to find out the grant number that you qualify. You can search CFDA various ways (by grant number, by keyword, etc.). You can find grant programs by category -- here are the lists of grants under Home Buying/Homeownership http://12.46.245.173/pls/portal30/CATALOG.FIND_GRANT_PROGRAM_TXT.SHOW?p_arg_names=func_cat_cd&p_arg_values=ML  Check if any applies to you\n\nTo make searching easier, Housing and Urban Development HUD has a list of housing grants http://www.hud.gov/offices/adm/grants/fundsavail.cfm - though I have NOT seen any grants available for first time homeowners.\n\nEven if you buy books on "how to get grants" or list that supposedly has information on grants -- all of them are mere rehash of what CFDA has, albeit packaged differently.\n\nNote though that these grants generally support non-profit organizations, intermediary lending institutions, and state and local governments. Most of the federal grants are given to specific target groups with specific requirements (e.g. minority business owners involved in transportation related contracts emanating from DOT - Grant#20.905 Disadvantaged Business Enterprises Short Term Lending Program. Individuals especially for personal purposes are not eligible for federal grants. \n\nGrants are also often given to non profit groups or organizations involved in training or other similar activities (grant 59.043 Women's Business Ownership Assistance that are given to those who will create women's business center that will train women entrepreneurs \n\nEven SBA does NOT give out grants for starting or expanding a business. There are no grants for small businesss entrepreneur -- unless you live in a really depressed area such as Native American reservations. From the SBA website http://www.sba.gov/expanding/grants.html\n\n"The U.S. Small Business Administration does not offer grants to start or expand small businesses, although it does offer a wide variety of loan programs. (See http://www.sba.gov/financing for more information) While SBA does offer some grant programs, these are generally designed to expand and enhance organizations that provide small business management, technical, or financial assistance. These grants generally support non-profit organizations, intermediary lending institutions, and state and local governments."\n\n\nhttp://www.cfda.gov\nhttp://www.grants.gov\nhttp://gtionline.fdncenter.org\nhttp://www.powerhomebiz.com/vol66/grants.htm\nhttp://www.sba.gov/expanding/grants.html
856740
Go to the www.usgov.com. type in grants and you should get a lot of info. Good luck.
127013
Buying grants. 1. you can search hud web site and check you local city. Also it depends on the type grant you are looking for. ( Free money?) ( down payment assitance) I would need to know more about your needs are.