Actual homebuying grants typically come from state or local housing agencies rather than the federal government.
Large banks often provide "lender credits" to boost homeownership in specific areas. For example, Bank of America offers an "America’s Home Grant" of up to $7,500 that does not require repayment.
Learn about the City of Santa Ana's program offering up to $120,000 in assistance for first-time buyers. Cost: Free Homebuyer Workshop Date & Time: Saturday, May 2, 2026, at 9:00 AM free grants to buy a home
While there is no single federal program that hands out "free money" to buy a home, many people have successfully used "free" grants—funds that don't need to be repaid—to bridge the gap between their savings and a down payment. These success stories usually involve a combination of state programs, local non-profits, and private lender credits that function like a gift. Where the "Free Money" Comes From
Covers the home-buying process and how to obtain certificates for down payment assistance. Cost: Free Expand map Actual homebuying grants typically come from state or
Participants receive a completion certificate needed to qualify for financial assistance programs. Cost: Free First-Time Homebuyer Seminar Date & Time: Saturday, May 30, 2026, at 9:00 AM
John Bridges Community Center , 445 West 13th Street, Apopka, FL Learn about the City of Santa Ana's program
Thornton Community Connections , 9471 Dorothy Boulevard, Thornton, CO
