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Homebuyer Grants

Don’t let a down payment or closing cost keep you from purchasing a home. You may qualify for a grant up to $15,000! The HOPE program provides support for down payments, closing costs, and eligible repairs for homebuyers, and it is not limited to first-time homebuyers, making it accessible to a broad range of homebuyers. The First-time Homebuyer Grant similarly offers assistance with down payments, closing costs, and repairs; but it is limited to first-time homebuyers with very low, low, and moderate incomes.

It's the Heartland Way.

Grants available to a broad range of homebuyers and income levels.

Provides down payment, closing cost and repair assistance to eligible homebuyers.

Funds are limited and available on a first come first serve basis.

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First-time Homebuyer Grant Details

Income-eligible first-time homebuyers may qualify for a grant of $15,000 to provide down payment or closing cost assistance, greatly reducing your out-of-pocket expense.

  • Grants for 2025 will be available beginning March 3, 2025
  • Limited to very low, low, and moderate household incomes
  • Grant recipients will take a free online homebuyer education course designed for first-time homebuyers to help you prepare for homeownership
  • Live in the house for at least 5 years and the grant will be fully forgivable
  • With approved credit for qualified buyers
  • Subsidies are limited

HOPE Grant Details

Income-eligible homebuyers may qualify for a grant of $12,500 to provide down payment or closing cost assistance, greatly reducing your out-of-pocket expense.

  • Grants for 2025 will be available beginning March 3, 2025
  • Household income must be at or below 150% of the Area Median Income
  • Not limited to first-time homebuyers
  • Live in the house for at least 5 years without refinancing and the grant will be fully forgivable
  • With approved credit for qualified buyers
  • Subsidies are limited


Funds are limited, so contact an HCU Real Estate Loan Consultant immediately for more information or to apply. Call us at 800.428.8472.