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First-Time Home Buyer Programs

Buying your first home can be an overwhelming and intimidating experience.  Let the lending team at Exchange State Bank make the process simple and worry-free so you can focus on the fun aspects of being a first-time home buyer.


Down Payment Plus

  • Easy-to-access down payment and closing cost assistance to help income-eligible customers achieve homeownership.

USDA Rural Development

  • Get into the home of your dreams without having the financial burden of a down payment.  USDA Rural Development finances 100% of the sales price!

Homebuyer Education

  • Get better prepared for homeownership through this educational course presented by HomeStart. Offered both online and in person, it also satisfies the counseling requirement for the Down Payment Plus grant

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Consumer Protection Financial Bureau

  • The CFPB creates tools, answers common questions, and provides tips that help consumers navigate their financial choices and shop for the deal that works best for them.

More information about CPFB