lockFree to check. No credit pull.

You may be closer to owning
a new home than you think.

There are currently over 2,100 homeownership assistance programs across the country, but most people haven't heard about a single one. See which active programs can help you become a homeowner faster and for less money down. Then, save up to 2% of the purchase price at closing when you work with Ownable's licensed agents.

See if you qualify.arrow_forward How it works
Encrypted. No SSN or credit pull to see your options.
2,746homeownership assistance programs nationwide
62%of programs allow income limits above $100,000
~2 minabout seven questions, and the whole check is done
A cut-paper scene of a new homeowner waving from his lit front door, the gap to the house bridged by gold program coins

Built for the people the programs never reach

Assistance programs exist because agencies want people in homes. They just do a poor job of telling anyone. Ownable closes that gap.

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One check, every path

Down payment assistance, rent-to-own and reverse mortgages in one place. About seven questions cover all of it.

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Look without a credit pull

No Social Security number, no bank login and no credit pull to see your options. Checking costs you nothing, including your score.

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Plain answers

You see what each program type is, what it typically requires and where you stand, written in plain English.

Pick your path

Three ways people become owners. Each check takes about two minutes, and each one starts with the same promise: no credit pull to look.

Cut-paper scene: a hopeful buyer facing the gap between him and the house

Down Payment Assistance

Grants and second liens from state agencies, cities and nonprofits that cover part of your down payment. Many are open to repeat buyers, not just first-timers.

See if you qualify.
Cut-paper scene: a renter carrying moving boxes toward a pale house

Rent-to-Own

Move in as a renter with the option to buy the home later. Time to build credit and savings while you already live in the house.

See if you qualify.
Cut-paper scene: an older couple on the porch of their paid-off cottage

Reverse Mortgage

For homeowners 62 and older who want to use their home equity without a monthly mortgage payment. A HUD-approved counseling session is part of the process.

See if you qualify.
Buying a different way? The full check covers these too.
homeBuying your first home storefrontSelf-employed buyer badgeBuying with an ITIN

How it works

No documents, no phone call, no appointment. The whole thing happens on this site, and you decide what happens after.

  1. 1

    Answer about seven questions

    Where you are, what you earn and when you want to move. Plain multiple choice, under two minutes, and nothing to upload.

    timerAbout 2 minutes
    The story scene beginning to change as questions are answered
  2. 2

    Your answers meet the requirements

    Programs publish their rules: income limits, credit minimums, location and timelines. The check compares your answers against those published requirement types.

    rulePublished program rules
    The story scene with gold program coins beginning to bridge the gap
  3. 3

    See where you stand

    You get a clear read on which program types fit your situation and what each one typically requires. No jargon and no runaround.

    visibilityPlain-English results
    The story scene with the bridge of coins nearly complete
  4. 4

    Choose what happens next

    Stop there if you like. Or leave your details and get a follow-up on the programs that match. Checking never obligates you to anything.

    handshakeNo obligation
    The finished story scene: the door open, the lights on, the coins crossing the gap

The numbers nobody tells renters

We do not do made-up testimonials or invented star ratings. We do publish the real numbers, with the sources they come from.

2,746

Homeownership assistance programs exist nationwide, a new survey high.

Down Payment Resource, Q2 2026
2,114

Of those programs are active and funded right now.

Down Payment Resource, Q2 2026
62%

Of programs allow income limits above $100,000. Assistance is not only for the lowest incomes.

Down Payment Resource, Q2 2026
291

Programs carry no income restriction at all.

Down Payment Resource, Q2 2026
40

The median age of today's first-time buyer, a record high. If you feel behind, you are on schedule.

NAR, 2025 Profile of Home Buyers and Sellers
10%

The median first-time buyer down payment. Not the 20% everyone assumes.

NAR, 2025 Profile of Home Buyers and Sellers

Sources: Down Payment Resource, Q2 2026 Homeownership Program Index. National Association of REALTORS®, 2025 Profile of Home Buyers and Sellers. Program terms and award amounts are set by the agencies and lenders that run them and can change without notice.

Frequently asked questions

Ownable is a free eligibility check for home buying programs. You answer about seven questions and see which program types fit your situation, such as down payment assistance, rent-to-own and reverse mortgages. Ownable is not a lender, a government agency, a law firm or an immigration adviser.
No. The check never asks for your Social Security number and never pulls your credit. One question asks you to estimate your credit range, and your answer stays an estimate.
Programs run by state agencies, cities and nonprofits that cover part of your down payment or closing costs, usually as a grant or a second lien. Down Payment Resource counted 2,746 of these programs nationwide in mid-2026, and 2,114 of them were active and funded.
Not always. Many programs are open to repeat buyers, and some carry no income restriction at all. Every program sets its own rules, which is exactly why checking is worth two minutes.
You lease the home with an option to buy it later, usually at a price set in the contract. It can suit people who need time to build credit or savings before qualifying for a mortgage. Terms vary by operator, so the contract deserves a careful read before you sign.
Homeowners aged 62 and older with sufficient home equity. Federal rules require a session with a HUD-approved counselor before you apply, and the most common version is non-recourse, which means the debt can never exceed the value of the home when it is sold.
Nothing. The check is free, and looking at your options never obligates you to anything.
You see which program types match your answers. If you choose to leave your contact details, a specialist can follow up about the programs that fit. Program terms and award amounts are set by the agencies and lenders that run them and can change without notice.

Owning a home may be closer than you think.

About seven questions. Under two minutes. No credit pull. Check Ownable and see which programs fit you.

See if you qualify.arrow_forward Encrypted. No SSN. No bank login.
Cut-paper scene: the renter holding up the key to his own home