While direct federal grants are rare, the following programs provide significant financial support:

The federal government provides block grants to states and municipalities through the . Local agencies use these funds to create:

: Programs like the Homebuyer Dream Program provide grants up to $30,000 for down payments and closing costs for those earning 80% or less of the Area Median Income. Indirect Federal Grants (State & Local)

: Offers 100% financing (no down payment) for low- and moderate-income households in eligible rural areas.

: Mandatory completion of a HUD-approved homebuyer education course. Home buying assistance | USAGov