Despite a marginal dip in the total number of active programs from the previous quarter, downpayment assistance availability remained near record highs in the fourth quarter of 2025.
According to the latest Homeownership Program Index (HPI) from Down Payment Resource, the number of active programs nationwide sits at 2,619 — a 6% increase compared to the same time last year.
As affordability challenges persist into 2026, these programs are becoming increasingly flexible to help lenders qualify borrowers. The average benefit now stands at about $18,000, reducing a borrower’s loan-to-value ratio by an average of 8.8%, thereby strengthening applicants’ loan profiles and expanding credit access in a challenging lending and economic environment.
Notably, the report highlights a structural shift toward broader eligibility. Programs with no income limits rose 15% on the year, now accounting for 10% of all available assistance. Another notable aspect is that 62% of programs have income limits exceeding $100,000, challenging the misconception that assistance is only for low-income borrowers.
Manufactured housing also remains a key focus for affordability. While support dipped slightly quarter over quarter, the number of programs covering manufactured homes is up 14% compared to last year. With new manufactured homes costing approximately $85 per square foot — roughly half the cost of site-built homes — this sector represents a vital avenue for entry-level buyers.
Support for first-generation homebuyers saw the most dramatic growth, climbing 32% over the year. Programs for veterans and active-duty military members increased by 12%, while assistance for repeat buyers ticked up 3%.
Geographically, California continues to lead the nation with 416 active programs, followed by Florida with 264 and Texas with 190. However, coverage is distributed across the nation, with every county in the U.S. featuring at least one program. More than 2,000 counties offer 10 or more downpayment assistance programs, according to Down Payment Resource.
The report spotlights specific local initiatives that demonstrate the evolving nature of assistance. For example, Greensville, S.C., now offers a 10-year forgivable loan of up to $10,000 with no income limits for general applicants.
Similarly, in high-cost markets like San Bruno, Calif., employer-assisted housing programs are offering loans up to $140,000 for city employees, underscoring the role of local municipalities in addressing the affordability gap.
