Are you a first-time homebuyer in the U.S. territories? This comprehensive guide is your essential resource, offering specialized assistance programs and valuable information tailored for home buyers in Guam, Puerto Rico, and the U.S. Virgin Islands. Explore a variety of programs, including down payment assistance and favorable mortgage options, designed to make homeownership more attainable in these unique territories. Navigate the diverse real estate markets with confidence and uncover the unique opportunities that await you.
First Time Homebuyer Programs in Puerto Rico
| Program | Assistance Offered | Who Should Apply | Assistance Type |
|---|---|---|---|
| Up to $14,500 in down payment and closing cost assistance | First-time homebuyers purchasing homes in New York, New Jersey, Puerto Rico or the U.S. Virgin Islands and that can meet income requirements | Grant | |
| Up to $30,000 in down payment assistance | First time homebuyers that can meet income requirements | Forgivable, deferred loan with a 0% interest rate | |
| Up to $40,000 in down payment assistance | First time homebuyers that can meet income requirements and are currently employed as teachers, law enforcement, firefighters, EMTs or medical personnal | Forgivable, deferred loan with a 0% interest rate |
First Time Homebuyer Programs in U.S Virgin Islands
| Program | Assistance Offered | Who Should Apply | Assistance Type |
|---|---|---|---|
| Down payment and closing cost assistance - amount not specified | First time homebuyer who meets income requirements | Not specified | |
| Up to $14,500 in down payment and closing cost assistance | First-time homebuyers purchasing homes in New York, New Jersey, Puerto Rico or the U.S. Virgin Islands and that can meet income requirements | Grant | |
| Up to $220,000 in mortgage assistance | First time homebuyers who have been living in the Virgin Islands for at least 3 years | First or second mortgage |
First Time Homebuyer Programs in Guam
| Program | Assistance Offered | Who Should Apply | Assistance Type |
|---|---|---|---|
| Up to $40,00 in down payment assistance | First time homebuyers who are a resident of Guam for at least 5 years | Second mortgage | |
| Not specified | First time homebuyers who are a US Citizen or permanent resident alien | Not specified | |
| No interest mortgage program. Down payment is paid through sweat equity | Homebuyers that can meet income requirements | No interest loan |
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