Affordable Homeownership Programs

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Current Rates (last changed 2/26/21 at 5:00 p.m.)

Program NameGovernment Loan RateConventional Loan Rate
Military Home2.375%*Not available
First Home Grant2.375%*2.625%*
First Home Targeted2.375%*2.625%*
First Home2.625%*2.875%*
Homebuyer Assistance (HBA)3.125%* - 1st loan rate
1.000%* - 2nd loan rate
3.375%* - 1st loan rate
1.000%* - 2nd loan rate

*Click here for additional program details

*This is not an advertisement for credit as defined in Reg.Z; contact a participating NIFA lender for Annual Percentage Rate (APR) information. Rates are subject to change without prior notice. 

Everything was very clear and I honestly can't believe how smooth this process was from start to finish. Not only was it a fantastic opportunity that allowed me to get into my first home, but it was also fairly painless too! I can't recommend this program highly enough.

Brett D. - NIFA Homebuyer

Homebuyer Education

NIFA requires homebuyer education for all NIFA loans. These classes provide the highest benefit when taken early in the home buying process (before searching for a home).

Start exploring these approved courses today:

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Star status achieved by closing 6 or more NIFA loans last year Learn how to become a NIFA Specialist.

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We offer competitive interest rates, low or no down payment loans, low mortgage insurance premiums for conventional loans, and loans for down payment and closing cost assistance.  Our unique home loan programs have features that can lower your monthly payments, increase your buying power and remove barriers to homeownership.