First Time Home Buyer Grant Programs | First Time Home Buyer Programs

First Time Home Buyer Grant Programs | First Time Home Buyer Programs


First-time home buyer grants have income and purchase limits that vary from state to state and county to county. For example, the California Housing and Finance Agency income limits for the California Homebuyer’s Downpayment Assistance Program in San Francisco ranges from ,000 to 7,000, depending on the number of people in the household.

While HUD does not offer direct grants or loans to individuals, we do work through local governments and non-profit organizations to make financial assistance and counseling available.

There are some things you should know about government funding of a new home:

The federal government does not give housing grants directly to individuals. The funds are given to states and certain municipalities, who in turn, distribute the funds to residents.

No grant will cover 100% of the cost of a house.

The government will not give a grant to anyone who cannot use it toward a mortgage; therefore, qualification for a mortgage is necessary.

Any program the federal government has to assist first-time buyers in a home purchase will require that you attend a HUD approved Housing Counseling class. They help people get their finances organized so they will qualify for a mortgage.

Buying a House – 10 Things You Need To Do

Watch this video to find out the 10 most important steps you need to take to get ready for buying a house/flat/property. I am by no means a property mogul/housing market expert, but I’ve recently bought a house and these are my top tips. If you want more detailed advice, I’ve linked to some of the websites I used when I began the process.

The Money Advice Service – Home Buying Process:
Money Saving Expert – 50 House Buying Tips:
Rightmove – House Buying Guide:
Rightmove – Property search site (I used this LOADS!):
Citizens Advice Bureau – Buying a Home: – Buying or Selling Your Home: – Buying a House:
Zoopla – Property search site:
Rightmove – Mortgage Calculator:


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First Time Home Buyers: 3 Tips to Help Your Home Search!

Is buying your first home at the top of your 2016 list of goals? I’m here to give you 3 quick tips that will make your home search easier, productive and fun!

Want to buy or sell a house in Philadelphia? Give me a call or email me…let’s talk!

C: 267-902-2454

Katie Easterly
Coldwell Banker Preferred
1401 Walnut Street
Philadelphia, PA 19102

Tips for First Time Homebuyers

The decision to buy your first home is a big one. Being ready means having a steady source of income and a good credit history. And with a variety of loan programs available, it’s important to explore all of your lending options. Cadence Banker Leah Colvin recommends sitting down with a mortgage lender to discuss your goals and determine your budget before beginning your home search.

First home buyers – Saving for a deposit

When you’re looking to buy your first home, the first step is saving your deposit.

To work out how much you need to save, you can start by looking at the average cost of the type of home you’d like to buy, and aim to save at least twenty percent of this amount.

While banks might lend up to ninety or ninety-five percent of a home’s value, having at least a twenty percent deposit usually makes it easier to get a mortgage, and you may also save on low equity fees and margins.

To work out how long it will take to reach your goal you’ll need to set up a savings plan. It’s a good idea to talk to your bank or financial adviser, as they can help you set up a savings plan that’s right for you.

On the Westpac website you’ll find helpful home loan calculators that can help you work out mortgage and repayment calculations.

By increasing your savings you can reach your goal even quicker.

For example, if you’re a couple who saves two hundred dollars per week between you, then in five years you will have saved fifty-two thousand dollars plus interest!

If you’re able to increase your savings to three hundred dollars per week, then in five years you will have saved seventy-eight thousand dollars plus interest!

Although it may seem like it takes a long time to save a deposit, the larger your deposit, the less interest you will end up paying.

To keep your savings on track, consider setting up a separate savings account with the deposits set up as automatic payments.

Then as your savings start to grow, keep motivated by monitoring the balance and tracking your progress towards your goal.

You may be able to apply for the government’s Welcome Home Loan scheme supported by Housing New Zealand. This offers loans for people with only a ten percent deposit. You can go online to the Welcome Home Loan website find out more about lending criteria, terms and your eligibility.

If you’ve been contributing to KiwiSaver you may be able to use some of these funds to contribute towards the purchase of your house.

Your family may offer to help you reach your goal, this could come in the form of a cash gift, or they may help your finance application by using their home or savings as part security on your loan.

So start out by working out your savings goal, and how quickly you can reach it, and you could be in your own home in no time.

To help you work out how much you can afford, visit the Managing Your Money section on the Westpac website today.

Or find out more at

First Time Home Buyer Series: The Closing Process

As you number one Western Pennsylvania Real Estate Team, we pride ourselves on being your number one real estate resource. One category of buyers that we love to specifically help, are first time home buyers. So this video series is for you! We’d love to hear what questions you have about the process, any specific terms, etc. Visit for more helpful tips if you’re thinking about buying a home for the first time!

Colorado First Time Homebuyer Guide – Why Buy?

This is a guide for whether or not to consider buying a home. There are statistics specific to Colorado (Denver metro) but can be used as a universal gauge for interest in homebuying. If you’re not completely sure whether or not you’d like to own a home yet, watch this.

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8 Step Home Buying Process Explained for First Time Home Buyers

First Time Home Buyers can easily be overwhelmed when purchasing a house. Today I explain the Home Buying Process in 8 simple steps.
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How to buy a home in 8 simple steps:
1) Pick a Trust Real Estate Agent
2) Secure Financing and a Pre-Approval letter
3) Start Searching For homes
4) Make an Offer on a Home
5) Negotiate the Contract
6) Escrow
7) Final Details
8) Closing

For more information on how we work with Maryland Home Buyers



Buying Maryland Waterfront

Buying New Construction

First Time Home Buyers


About our team: I am apart of Key Partners of Keller Williams Select REALTORS in Annapolis Maryland. We area family team of real estate agents who work throughout Maryland.