Mortgage Navigator • National DPA
Down payment help isn't always state-specific.
These multi-state programs can be worth checking alongside your state and local housing programs.
Reviewed September 11, 2026 • Joshua Dobson, NMLS #190260
National Homebuyers Fund
NHF reports DPA up to 5% of the mortgage amount in most states, through participating lenders, with no first-time-buyer requirement. FHA, VA, USDA and conventional options may be available. Forgiveness or repayment depends on the specific program.
Chenoa Fund
CBC Mortgage Agency reports 3.5% or 5% FHA DPA, no first-time-buyer requirement, and availability in all states except New York through approved lender partners.
National does not mean universal. Availability still depends on the property state, lender participation, first-mortgage program, borrower qualifications and current program rules.
Compare national + state options.
Mortgage Navigator is being built so each state guide shows both categories rather than hiding national alternatives.