: A one-time fee (typically 2.15% for first-time use) is required but can be rolled into the loan.
⭐ : Check your state's specific Housing Finance Agency (HFA) website; they often have 2026 updates for first-time buyer grants that are not advertised on national sites.
: "Free money" that doesn't need to be repaid (e.g., Bank of America's Home Grant offers up to $7,500).