227 programs indexed and counting

Free money for
future landlords.

Thousands of grants, forgivable loans, and down payment programs go unclaimed every year. Find the money you qualify for in 60 seconds.

We don't store your financial information. Your data is only used to match you with programs.

2,000+
Programs nationwide
$500K
Largest single program
82%
Don't know they qualify
How it works

60 seconds to free money

1

Tell us the basics

Zip code, income range, credit score, and whether you've owned before. No SSN, no bank login, no hard credit pull.

2

Lucky scans every program

Federal grants, state housing programs, county assistance, forgivable loans, and subsidized mortgages — matched to your exact profile.

3

See what you qualify for

Dollar amounts, eligibility details, and how to combine programs for maximum benefit. Including programs that let you buy a multi-unit property and rent out the extra units.

Sample programs

A glimpse of what's out there

These are real programs with real money. Most people have never heard of them.

FHA Loan

3.5% down
Federal House-hack eligible

The most popular first-time buyer loan in America. 3.5% down, flexible credit, and you can buy up to a fourplex. Stackable with every state DPA program below.

SF Down Payment Assistance

$500K
Deferred loan California

The largest city DPA program in the US. Silent second mortgage, no monthly payments. Income up to $218K. Lottery-based, annual application window.

TSAHC Home Sweet Texas

5% grant
True grant Texas House-hack eligible

3-5% of your loan amount as a grant that never has to be repaid. Ever. Works with FHA on multi-unit properties. Free money in the purest sense.

FL Hometown Heroes

$35K
0% deferred Florida House-hack eligible

Up to $35,000 for 50+ workforce professions — teachers, nurses, firefighters, and more. Buy a fourplex, live in one unit, rent the rest.

NYC HomeFirst

$100K
Forgivable loan New York City House-hack eligible

Up to $100,000 toward a 1-4 unit property in the five boroughs. Forgivable after 10-15 years. Buy a Brooklyn fourplex with $100K in DPA.

PA K-FIT

5% no cap
Forgivable loan Pennsylvania House-hack eligible

5% of purchase price with no dollar limit — forgiven over 10 years. On a $400K duplex that's $20K in free money. One of the best DPA programs in the country.

Don't leave money on the table

Check what you qualify for

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