Find the Help
That Fits Your Path
Buying a home may be more achievable than you think. Depending on your circumstances, there may be programs and financing options designed to help with affordability, down payment, closing costs, or other homeownership needs.
Explore some of the resources available to Alaska buyers and learn where to start.
Homeownership Has More Than One Path
Not every buyer has the same financial situation. That's why it's worth exploring the programs and resources you may qualify for before deciding what your next step should be.
Down Payment Assistance
Some programs may help eligible buyers with down-payment requirements or provide secondary financing.
Closing Cost Assistance
Certain programs may provide assistance toward eligible closing costs for qualifying buyers.
Reduced-Rate Programs
Some Alaska Housing programs offer reduced interest rates to eligible borrowers.
Homebuyer Education
Education resources can help you better understand the homebuying process before you purchase.
Programs Worth Exploring
Alaska Housing Finance Corporation offers a variety of mortgage programs and options. Eligibility, rates, income limits, property requirements, and other conditions vary by program.
First Home
A reduced-rate loan option designed for eligible first-time homebuyers. AHFC defines a first-time homebuyer generally as someone who has not owned a primary residence during the previous three years.
Learn MoreFirst Home Limited
Offers lower interest rates to eligible first-time homebuyers who meet applicable income and acquisition cost requirements.
Learn MoreMy Home
A statewide Alaska Housing program for applicants or properties that may not meet the requirements of certain other AHFC programs.
Learn MoreVeterans Mortgage Program
Alaska Housing offers mortgage options for qualified veterans purchasing or constructing eligible owner-occupied properties.
Learn MoreRural Loan Program
Alaska Housing offers rural financing options for qualifying properties and borrowers in eligible Alaska communities.
Learn MoreDown Payment Options
AHFC offers loan options that may help reduce the amount needed for a down payment or provide assistance through secondary financing.
Learn MoreCould a USDA Loan
Be an Option?
USDA Rural Development offers homeownership programs for qualifying buyers purchasing homes in eligible rural areas.
The Guaranteed Loan Program can provide eligible buyers with 100% financing when program requirements are met. Property eligibility and household income requirements apply.
Explore USDA Eligibility →Rural Development
Programs may help eligible buyers purchase homes in qualifying rural areas with favorable financing options.
Homebuyer Education
Alaska Housing's HomeChoice™: Steps to Homeownership is a no-cost online homebuyer education course designed to help buyers understand the homebuying process.
AHFC says the course takes approximately two hours and completion can provide up to a $250 credit on an eligible single-family loan product.
Explore HomeChoiceStart With a Conversation
Explore Your Options
Review programs and identify questions you want to discuss with a qualified lender.
Talk With a Lender
An approved lender can evaluate your individual circumstances and determine which programs may be available to you.
Get Pre-Approved
Understanding your financing can help you establish a realistic home-shopping range.
Begin Your Search
Once you're ready, Yvette can help you search for a home that fits your goals and financing.
Let's Find the Right
Path to Homeownership.
You don't have to figure everything out at once. Start with a conversation, explore your options, and take the next step when you're ready.
This page is provided for general informational purposes only and does not constitute a loan offer, mortgage advice, financial advice, or a determination of eligibility. Program availability, requirements, income limits, rates, terms, and funding can change. Contact an approved lender or the applicable program administrator for current eligibility and program details.