Updated for 2026
Buying your first home is an exciting milestone, but the upfront costs can feel like a major roadblock. That’s where the First-time Homebuyer Grant comes in — it’s designed to help eligible buyers bridge that gap and move into a home with greater confidence and less financial strain.
Grants are available if you already own your home too! Click here for details on the HOPE Grant.
The big picture
Heartland Credit Union offers the First-time Homebuyer Grant, which provides up to $15,000 to qualified buyers to use toward down payment and closing costs. The program is built specifically to support first-time buyers and expand access to homeownership in our communities.
Why it matters
Upfront costs — not monthly payments — are often what delay a first home purchase. Grant assistance can shorten that timeline, reduce financial strain at purchase, and allow buyers to keep more savings in reserve after they move in.
The details
- Grant amount: Up to $15,000 per eligible first-time homebuyer.
- Availability: 2026 grant applications open March 2, 2026. It's essential to act promptly, as funds are limited. Call today to get preapproved.
- Income limits: Limited to very low, low, and moderate household incomes. An HCU consultant can help determine if you qualify.
- Credit approval: Qualified buyers with approved credit can take advantage of this opportunity.
- Homebuyer education: Grant recipients must complete a free online course designed for first-time homebuyers.
- Forgivable grant: Here's the best part — live in your new home for at least five years, and the entire grant becomes fully forgivable.
The bottom line
If you’re planning to buy your first home, the First-time Homebuyer Grant can meaningfully lower your upfront costs and help you move forward sooner. Heartland’s Real Estate Loan Consultants will guide you through eligibility, preapproval, and next steps.
Funds are limited, so call 800.428.8472 today to speak with a consultant and begin the process. Your path to homeownership starts here.
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