RealVest Real Estate MCP Server

{ "programs": [ { "state": "California", "programs": [ { "name": "CalHFA MyHome Assistance Program", "type": "Down Payment Assistance", "amount": "Up to 3.5% of purchase price", "eligibility": "First-time buyers, income limits apply", "url": "https://www.calhfa.ca.gov/homebuyer/programs/myhome.htm" }, { "name": "CalHFA Zero Interest Program (ZIP)", "type": "Deferred Payment Loan", "amount": "Up to 3% of purchase price", "eligibility": "Can be combined with CalHFA first mortgage", "url": "https://www.calhfa.ca.gov/homebuyer/programs/zip.htm" } ], "income_limits": "$150,000 - $300,000 depending on county", "contact": "877.9.CalHFA (877.922.5432)" }, { "state": "Texas", "programs": [ { "name": "My First Texas Home", "type": "Down Payment Assistance", "amount": "Up to 5% of loan amount", "eligibility": "First-time buyers or haven't owned in 3 years", "url": "https://www.tsahc.org/homebuyers/my-first-texas-home" }, { "name": "Texas Homebuyer Program", "type": "Fixed-rate mortgage with DPA", "amount": "3-5% assistance", "eligibility": "Income and purchase price limits apply", "url": "https://www.tsahc.org/homebuyers/texas-homebuyer-program" } ], "income_limits": "$95,500 - $146,400 depending on location", "contact": "800.792.1119" }, { "state": "Florida", "programs": [ { "name": "Florida Assist", "type": "Second Mortgage", "amount": "$7,500 max", "eligibility": "First-time buyers, 0% interest", "url": "https://www.floridahousing.org/programs/homebuyer-programs" }, { "name": "Florida Hometown Heroes", "type": "Down Payment/Closing Cost Assistance", "amount": "Up to 5% of loan amount", "eligibility": "Essential workers, veterans, educators", "url": "https://www.floridahousing.org/hometown-heroes" } ], "income_limits": "$92,170 - $147,170 depending on county", "contact": "850.488.4197" }, { "state": "New York", "programs": [ { "name": "SONYMA Achieving the Dream", "type": "Down Payment Assistance", "amount": "Up to $15,000", "eligibility": "First-time buyers, income limits", "url": "https://hcr.ny.gov/achieving-dream" }, { "name": "SONYMA Low Interest Rate Program", "type": "Below-market mortgage", "amount": "Reduced interest rates", "eligibility": "Income and purchase price limits", "url": "https://hcr.ny.gov/sonyma" } ], "income_limits": "$120,120 - $224,820 depending on area", "contact": "800.382.HOME" }, { "state": "Illinois", "programs": [ { "name": "IHDAccess Forgivable", "type": "Forgivable Second Mortgage", "amount": "$6,000 or 10% (lesser)", "eligibility": "First-time buyers, forgiven over 10 years", "url": "https://www.ihda.org/homebuyers/ihdaccess-forgivable/" }, { "name": "Opening Doors Program", "type": "Grant Program", "amount": "Up to $6,000", "eligibility": "Income below 80% AMI", "url": "https://www.ihda.org/homebuyers/opening-doors/" } ], "income_limits": "$79,900 - $125,400 depending on county", "contact": "312.836.5200" }, { "state": "Pennsylvania", "programs": [ { "name": "HOMEstead Downpayment and Closing Cost Assistance", "type": "Second Loan", "amount": "Up to $10,000", "eligibility": "0% interest, no monthly payment", "url": "https://www.phfa.org/programs/homestead.aspx" }, { "name": "Keystone Advantage Assistance", "type": "Second Mortgage", "amount": "Up to $6,000", "eligibility": "Can be combined with PHFA first mortgage", "url": "https://www.phfa.org/programs/keystone.aspx" } ], "income_limits": "$95,000 - $140,000 depending on location", "contact": "855.827.3466" }, { "state": "Ohio", "programs": [ { "name": "Ohio Heroes Program", "type": "Discounted Interest Rate", "amount": "50 basis points below market", "eligibility": "Military, healthcare workers, first responders", "url": "https://myohiohome.org/heroes.aspx" }, { "name": "Down Payment Assistance", "type": "Second Mortgage", "amount": "2.5% or 5% of purchase price", "eligibility": "Income and purchase price limits", "url": "https://myohiohome.org/downpayment.aspx" } ], "income_limits": "$90,000 - $125,000 depending on county", "contact": "888.362.6432" }, { "state": "Georgia", "programs": [ { "name": "Georgia Dream Homeownership Program", "type": "Down Payment Assistance", "amount": "Up to $7,500", "eligibility": "First-time buyers, income limits", "url": "https://www.dca.ga.gov/safe-affordable-housing/homeownership/georgia-dream-homeownership-program" }, { "name": "CHOICE Home Loan Program", "type": "Second Mortgage", "amount": "Up to $10,000", "eligibility": "0% interest, deferred payment", "url": "https://www.dca.ga.gov/safe-affordable-housing/homeownership/choice-home-loan-program" } ], "income_limits": "$88,000 - $132,000 depending on location", "contact": "800.359.4663" }, { "state": "North Carolina", "programs": [ { "name": "NC Home Advantage Mortgage", "type": "Down Payment Assistance", "amount": "Up to 5% of loan amount", "eligibility": "First-time buyers or military", "url": "https://www.nchfa.com/home-buyers/buy-home/nc-home-advantage-mortgage" }, { "name": "NC 1st Home Advantage Down Payment", "type": "Deferred Second Loan", "amount": "Up to $8,000", "eligibility": "0% interest, no monthly payment", "url": "https://www.nchfa.com/home-buyers/down-payment-assistance" } ], "income_limits": "$90,000 - $136,500 depending on county", "contact": "888.493.7557" }, { "state": "Arizona", "programs": [ { "name": "HOME Plus", "type": "Down Payment/Closing Cost Grant", "amount": "5% of loan amount", "eligibility": "Grant - no repayment required", "url": "https://housing.az.gov/homebuyer/homeplus" }, { "name": "Pathway to Purchase", "type": "Down Payment Assistance", "amount": "Up to 10% of purchase price", "eligibility": "Pima/Maricopa counties only", "url": "https://housing.az.gov/homebuyer/pathway-purchase" } ], "income_limits": "$92,900 - $138,900 depending on location", "contact": "602.771.1000" } ], "federal_programs": [ { "name": "FHA Loans", "type": "Low Down Payment Mortgage", "amount": "3.5% down payment minimum", "eligibility": "580+ credit score", "url": "https://www.hud.gov/buying/loans" }, { "name": "VA Loans", "type": "Zero Down Payment Mortgage", "amount": "100% financing available", "eligibility": "Veterans, active military, eligible spouses", "url": "https://www.va.gov/housing-assistance/home-loans/" }, { "name": "USDA Rural Development Loans", "type": "Zero Down Payment Mortgage", "amount": "100% financing", "eligibility": "Rural areas, income limits", "url": "https://www.rd.usda.gov/programs-services/single-family-housing-programs" }, { "name": "Good Neighbor Next Door", "type": "50% Discount on HUD Homes", "amount": "50% off list price", "eligibility": "Teachers, law enforcement, firefighters, EMTs", "url": "https://www.hud.gov/program_offices/housing/sfh/reo/goodn/gnndabot" } ], "tips": [ "Many programs can be combined - use state DPA with FHA loans", "Check both state and local programs - cities often have additional assistance", "Income limits are typically based on Area Median Income (AMI)", "Some programs are forgivable if you stay in the home 5-10 years", "Don't forget about mortgage credit certificates for tax savings" ], "last_updated": "2025-01-15" }