Veterans can access "true gifts" through programs like the VHA First Time Homebuyer Grant , which explicitly states the money is not a loan. Upcoming Local Seminars & Workshops

Waukegan Public Library , 128 North County Street, Waukegan, IL

Covers the home-buying process and how to obtain certificates for down payment assistance. Cost: Free Expand map

The best way to hear these stories and learn how to apply is through free educational seminars. Many of these provide certificates that are actually required to unlock certain grant funds. Date & Time: Saturday, June 13, 2026, at 9:00 AM

Participants receive a completion certificate needed to qualify for financial assistance programs. Cost: Free First-Time Homebuyer Seminar Date & Time: Saturday, May 30, 2026, at 9:00 AM

Large banks often provide "lender credits" to boost homeownership in specific areas. For example, Bank of America offers an "America’s Home Grant" of up to $7,500 that does not require repayment.

Actual homebuying grants typically come from state or local housing agencies rather than the federal government.