Program provides 30-year fixed rate mortgage loans to eligible home buyers wishing to achieve the American dream of home ownership. In addition to a low interest rate, these programs offer down payment and closing cost assistance in the form of a grant. These programs are available through a network of participating lenders across the state. The current interest rate on a 30-year fixed FHA, VA or USDA (RHS) mortgage loan is 3.50%. In addition to this rate, these programs are providing 5% of the loan amount as a grant for down payment and closing cost assistance.  To see if you meet the basic requirements, please click on How to Qualify. If you meet the requirements, you will need to work directly with one of our approved participating lenders. For a list of our lenders, please click on Lenders List.​