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First-Time Homebuyer Programs Guide
Reference TableOverview of first-time homebuyer credits, programs, and requirements for 2025.
About This Tool
The "first-time homebuyer" definition is broader than most realize — you qualify if you haven't owned a home in the past 3 years. Most programs stack: FHA loan + state DPA grant + HUD counseling is a common combination. A Mortgage Credit Certificate (MCC) converts 20–25% of mortgage interest into a direct tax credit.