Explore Down Payment Assistance by state
Buy your home with Sharia-compliant financing and available down payment assistance—without riba. Explore programs in your state and take a simpler, more affordable path to homeownership.
What is down payment assistance?
Securing the down payment can be a major challenge for many first-time homebuyers. Even with your documents in order and a good credit score, having the down payment on hand may make or break the process.
DPA programs help cover your down payment and closing costs, and they can be paired with halal financing.
See programs by stateMoney toward your down payment that is not repaid.
Written off over time, provided you meet the program’s conditions.
A secondary position on the property at a reduced cost.
Applied inside a Sharia-reviewed co-ownership, so the structure stays riba-free.
Down payment assistance programs per state
Explore state-sponsored down payment assistance options that you can tap to fulfill your dream of becoming proud first-time Muslim homeowners. Eligibility requirements may vary per state.
Questions about down payment assistance
Our team answers by phone or email during business hours, and confirms what assistance is available where you are buying.
Is down payment assistance halal?
The assistance itself covers your up-front contribution. What matters is the structure it sits inside: with ijara CDC the agreement is a Sharia-reviewed co-ownership, so no riba enters the arrangement. Where a state program carries interest-bearing terms, our team will tell you before you proceed.
Can Muslim home buyers use DPA with Sharia-compliant financing?
Yes. The assistance is applied to your share of the co-ownership, and the Ijara™ structure remains riba-free from the first payment to the last.
What states offer down payment assistance?
Programs are administered state by state, and ijara CDC works with licensed providers in all 50 U.S. states as well as the Canadian provinces. The states shown above are the ones we place assistance in most often; contact us for the current position where you live.
What is the difference between halal financing and a mortgage?
A mortgage lends you money at an interest rate. In a halal structure a co op of investors buys the property alongside you and sells you their share over time, so your balance declines through ownership rather than debt service.
Does ijara CDC work with first time home buyers?
Yes. Many of the programs on this page are aimed specifically at first-time buyers, and pre-qualification takes about ten minutes without affecting your credit.