First-Time Homebuyer Programs — July 2026
150
July 2026
Real Estate & Infrastructure
Federal, state, or national housing authority announced a new or updated first-time homebuyer assistance program, grant, low-deposit mortgage scheme, or tax incentive
CatchAll reviewed 13,617 web pages using a recall-first pipeline. Events were clustered with the Leiden algorithm, validated with LLM-generated validators, and deduplicated.
13617
<div style="overflow-x:auto;width:100%"><table class="catchall-table"><thead><tr><th style="min-width:40px">#</th><th style="min-width:240px">Event</th><th style="min-width:140px;white-space:nowrap">Announcement Date</th><th style="min-width:140px;white-space:nowrap">Benefit Description</th><th style="min-width:140px;white-space:nowrap">Program Type</th><th style="min-width:140px;white-space:nowrap">Jurisdiction</th><th style="min-width:140px;white-space:nowrap">Program Name</th><th style="min-width:140px;white-space:nowrap">Eligibility Summary</th><th style="min-width:140px;white-space:nowrap">New Or Updated</th><th style="min-width:140px;white-space:nowrap">Benefit Amount</th><th style="min-width:140px;white-space:nowrap">Benefit Currency</th><th style="min-width:140px;white-space:nowrap">Authority Name</th><th style="min-width:120px;white-space:nowrap">Source</th></tr></thead><tbody><tr><td>1</td><td style="min-width:240px">Slovakia Introduces New Mortgage Rules for Young First-Time Homebuyers</td><td style="min-width:140px">2026-10-01</td><td style="min-width:140px">Facilitation for young first-time homebuyers to get up to 90% credit from banks, requiring only a 10% down payment.</td><td style="min-width:140px">low-deposit mortgage scheme</td><td style="min-width:140px">Slovakia</td><td style="min-width:140px">First-Time Homebuyer Loan Facilitation</td><td style="min-width:140px">People under 35 who buy their first property of their own; income conditions still need to be met.</td><td style="min-width:140px">new</td><td style="min-width:140px">0</td><td style="min-width:140px">EUR</td><td style="min-width:140px">National Bank of Slovakia (NBS)</td><td style="white-space:nowrap"><a href="https://www.msn.com/pl-pl/finanse/wsparcie-rz%C4%85dowe-i-opieka-spo%C5%82eczna/rz%C4%85d-ma-nowy-pomys%C5%82-na-mieszkania-ten-kredyt-nie-b%C4%99dzie-dla-ka%C5%BCdego/ar-AA28XaTE" target="_blank" rel="nofollow">https://www.msn.com/pl-pl/finanse/wsparcie-rz%C4%85dowe-i-opieka-spo%C5%82eczna/rz%C4%85d-ma-nowy-pomys%C5%82-na-mieszkania-ten-kredyt-nie-b%C4%99dzie-dla-ka%C5%BCdego/ar-AA28XaTE</a></td></tr><tr><td>2</td><td style="min-width:240px">Poland to introduce preferential loans for social and cooperative housing</td><td style="min-width:140px">2026-07-30</td><td style="min-width:140px">Preferential credit facility with state guarantee for financing participation in social rental housing (SIM/TBS) or housing contributions in cooperatives. Loans will have interest rates and margins at mortgage level, with a maximum repayment period of 15 years and monthly installments not exceeding PLN 300-400.</td><td style="min-width:140px">subsidized loan</td><td style="min-width:140px">Poland</td><td style="min-width:140px">Family Housing Loan Program</td><td style="min-width:140px">Households with moderate incomes and limited savings resources, or people who do not have their own funds for participation. Previous users of 'Family on Their Own', 'Safe 2% Loan' or 'Apartment for Young People' can get a loan with a down payment guarantee but no family repayments.</td><td style="min-width:140px">updated</td><td style="min-width:140px">400</td><td style="min-width:140px">PLN</td><td style="min-width:140px">Ministry of Development and Technology</td><td style="white-space:nowrap"><a href="https://biznes.pap.pl/wiadomosci/gospodarka/rzad-planuje-preferencyjne-kredyty-na-finansowanie-mieszkan-spolecznych-i" target="_blank" rel="nofollow">https://biznes.pap.pl/wiadomosci/gospodarka/rzad-planuje-preferencyjne-kredyty-na-finansowanie-mieszkan-spolecznych-i</a></td></tr><tr><td>3</td><td style="min-width:240px">Luxembourg Government Announces Updated First-Time Homebuyer Tax Credit</td><td style="min-width:140px">2026-07-28</td><td style="min-width:140px">Permanent increase of the tax credit for first-time buyers from 40,000 to 45,000 euros.</td><td style="min-width:140px">tax incentive</td><td style="min-width:140px">Luxembourg</td><td style="min-width:140px">tax credit for first-time buyers</td><td style="min-width:140px">Intended for first-time buyers</td><td style="min-width:140px">updated</td><td style="min-width:140px">45,000</td><td style="min-width:140px">EUR</td><td style="min-width:140px">Minister of Finance, Gilles Roth (CSV)</td><td style="white-space:nowrap"><a href="https://paperjam.lu/article/le-gouvernement-boucle-la-session-avec-une-rafale-de-projets-de-loi" target="_blank" rel="nofollow">https://paperjam.lu/article/le-gouvernement-boucle-la-session-avec-une-rafale-de-projets-de-loi</a></td></tr><tr><td>4</td><td style="min-width:240px">Spain to Reintroduce First-Time Homebuyer Tax Relief</td><td style="min-width:140px">2026-07-01</td><td style="min-width:140px">recovering 15% of the mortgage, with a limit that was previously 9,040 € per year, can mean tax savings of more than 1,300 € per declaration</td><td style="min-width:140px">tax incentive</td><td style="min-width:140px">Spain</td><td style="min-width:140px">Personal Income Tax Relief for First Home Mortgages</td><td style="min-width:140px">First home buyers: they will be able to deduct part of the interest and principal of the mortgage.</td><td style="min-width:140px">updated</td><td style="min-width:140px">1,356</td><td style="min-width:140px">EUR</td><td style="min-width:140px">Government</td><td style="white-space:nowrap"><a href="https://espanatimes.com/2026/07/14/desgravaciones-fiscales-y-mercado-inmobiliario-en-juego" target="_blank" rel="nofollow">https://espanatimes.com/2026/07/14/desgravaciones-fiscales-y-mercado-inmobiliario-en-juego</a></td></tr><tr><td>5</td><td style="min-width:240px">Homes England funds affordable housing development in Darlington</td><td style="min-width:140px">2026-07-28</td><td style="min-width:140px">£27 million investment to deliver 122 affordable homes including social rent and rent-to-buy options</td><td style="min-width:140px">grant</td><td style="min-width:140px">Darlington, UK</td><td style="min-width:140px">Social and Affordable Homes Programme</td><td style="min-width:140px">Affordable homes marketed to Darlington residents most in need of housing, including accessibility adaptations</td><td style="min-width:140px">new</td><td style="min-width:140px">27,000,000</td><td style="min-width:140px">GBP</td><td style="min-width:140px">Homes England</td><td style="white-space:nowrap"><a href="https://uk.news.yahoo.com/locals-benefit-affordable-homes-darlington-163000681.html" target="_blank" rel="nofollow">https://uk.news.yahoo.com/locals-benefit-affordable-homes-darlington-163000681.html</a></td></tr><tr><td>6</td><td style="min-width:240px">Yunnan Province Launches Housing Consumption Vouchers and Trade-in Subsidies</td><td style="min-width:140px">2026-07-10</td><td style="min-width:140px">Tiered subsidies up to 15,000 CNY for new housing purchases, plus 5,000 CNY for old-for-new trade-ins.</td><td style="min-width:140px">grant</td><td style="min-width:140px">Yunnan Province, China</td><td style="min-width:140px">Yunnan Province commercial housing purchase subsidy program (Caiyun housing consumption vouchers and Caiyun housing trade-in vouchers)</td><td style="min-width:140px">Citizens 18+ purchasing new commercial housing in 113 cities. Specific contract and tax payment times apply. Excludes second-hand, policy, affordable housing.</td><td style="min-width:140px">new</td><td style="min-width:140px">15,000</td><td style="min-width:140px">CNY</td><td style="min-width:140px">Yunnan Provincial Department of Housing and Urban-Rural Development and the Provincial Department of Finance</td><td style="white-space:nowrap"><a href="https://tw.news.yahoo.com/%E7%9C%81%E9%8C%A2%E7%B5%90%E5%A9%9A%E8%B6%81%E7%8F%BE%E5%9C%A8-7%E7%B8%A3%E5%B8%82-%E8%81%AF%E5%90%88%E5%A9%9A%E7%A6%AE-%E8%B6%85%E7%8B%82%E7%A6%8F%E5%88%A9-%E9%80%81%E6%B2%96%E7%B9%A9%E6%A9%9F%E7%A5%A8-100400772.html" target="_blank" rel="nofollow">https://tw.news.yahoo.com/%E7%9C%81%E9%8C%A2%E7%B5%90%E5%A9%9A%E8%B6%81%E7%8F%BE%E5%9C%A8-7%E7%B8%A3%E5%B8%82-%E8%81%AF%E5%90%88%E5%A9%9A%E7%A6%AE-%E8%B6%85%E7%8B%82%E7%A6%8F%E5%88%A9-%E9%80%81%E6%B2%96%E7%B9%A9%E6%A9%9F%E7%A5%A8-100400772.html</a></td></tr><tr><td>7</td><td style="min-width:240px">Canada-B.C. Affordable Housing Condo Plan Announced</td><td style="min-width:140px">2026-06-18</td><td style="min-width:140px">Conversion of over 2,200 vacant condo units into affordable homes, made available through a rent-to-own program at below market prices.</td><td style="min-width:140px">other</td><td style="min-width:140px">British Columbia, Canada</td><td style="min-width:140px">Canada-B.C. plan to purchase unsold condos and then turn them into affordable housing</td><td style="min-width:140px">Affordable condos available to families below market prices through a rent-to-own program.</td><td style="min-width:140px">new</td><td style="min-width:140px">0</td><td style="min-width:140px">USD</td><td style="min-width:140px">British Columbia government</td><td style="white-space:nowrap"><a href="https://www.castanetkamloops.net/edition/news-story-623856-3-.htm" target="_blank" rel="nofollow">https://www.castanetkamloops.net/edition/news-story-623856-3-.htm</a></td></tr><tr><td>8</td><td style="min-width:240px">São Paulo government updates Casa Paulista program with new subsidy availability</td><td style="min-width:140px">2026-07-31</td><td style="min-width:140px">Financial assistance ranging from R$10,000 to R$16,000 for families with incomes of up to three minimum wages, usable for down payment deduction or installment reduction.</td><td style="min-width:140px">down payment assistance</td><td style="min-width:140px">São Paulo, Brazil</td><td style="min-width:140px">Casa Paulista program</td><td style="min-width:140px">families with incomes of up to three minimum wages; do not own a property in your name; do not have active mortgage financing; and have not previously benefited from another housing program.</td><td style="min-width:140px">updated</td><td style="min-width:140px">16,000</td><td style="min-width:140px">BRL</td><td style="min-width:140px">São Paulo government</td><td style="white-space:nowrap"><a href="https://regiaonoroeste.com/programa-casa-paulista-facilita-o-acesso-a-casa-propria-para-familias-de-baixa-renda-em-sp" target="_blank" rel="nofollow">https://regiaonoroeste.com/programa-casa-paulista-facilita-o-acesso-a-casa-propria-para-familias-de-baixa-renda-em-sp</a></td></tr><tr><td>9</td><td style="min-width:240px">Scottish Government Reopens First Homes Fund</td><td style="min-width:140px">2026-06-01</td><td style="min-width:140px">Up to £10,000 cash help towards deposit on new home in return for an equity stake.</td><td style="min-width:140px">shared equity scheme</td><td style="min-width:140px">Scotland</td><td style="min-width:140px">First Homes Fund</td><td style="min-width:140px">First-time buyer, no current or previous property ownership, property value up to £300,000, must use participating lender.</td><td style="min-width:140px">updated</td><td style="min-width:140px">10,000</td><td style="min-width:140px">GBP</td><td style="min-width:140px">Scottish Government</td><td style="white-space:nowrap"><a href="https://uk.news.yahoo.com/councils-lead-housing-improvements-164709111.html" target="_blank" rel="nofollow">https://uk.news.yahoo.com/councils-lead-housing-improvements-164709111.html</a></td></tr><tr><td>10</td><td style="min-width:240px">Welsh Government Extends Help to Buy – Wales Scheme</td><td style="min-width:140px">2026-07-27</td><td style="min-width:140px">Enables eligible buyers, particularly first-time buyers, to purchase a new-build home with a smaller deposit.</td><td style="min-width:140px">low-deposit mortgage scheme</td><td style="min-width:140px">Wales</td><td style="min-width:140px">Help to Buy – Wales</td><td style="min-width:140px">Eligible first-time buyers to purchase a new-build home with a smaller deposit.</td><td style="min-width:140px">updated</td><td style="min-width:140px">1</td><td style="min-width:140px">USD</td><td style="min-width:140px">Welsh Government</td><td style="white-space:nowrap"><a href="https://uk.news.yahoo.com/council-buys-6-5m-homes-050000749.html" target="_blank" rel="nofollow">https://uk.news.yahoo.com/council-buys-6-5m-homes-050000749.html</a></td></tr><tr class="row-locked"><td>11</td><td style="min-width:240px">Namibia Finalizes Amendments for Pension-Backed Home Loans</td><td style="min-width:140px">2026-07-17</td><td style="min-width:140px">Members can access loans of up to 33% of their withdrawal or transfer benefit to buy or build homes, purchase land, renovate properties, refinance existing mortgages and cover transfer costs. Loans are offered at the Bank of Namibia repo rate plus 2.5 percentage points, currently 9.25%, below commercial mortgage rates.</td><td style="min-width:140px">subsidized loan</td><td style="min-width:140px">Namibia</td><td style="min-width:140px">Pension-Backed Home Loan Scheme</td><td style="min-width:140px">Civil servants, members of pension funds, employees with 10 to 15 years of service who still have sufficient time before retirement.</td><td style="min-width:140px">updated</td><td style="min-width:140px">0</td><td style="min-width:140px">NAD</td><td style="min-width:140px">Government Institutions Pension Fund (GIPF)</td><td style="white-space:nowrap"><a href="https://thebrief.com.na/2026/07/only-20-of-civil-servants-benefit-from-housing-subsidy-says-gipf" target="_blank" rel="nofollow">https://thebrief.com.na/2026/07/only-20-of-civil-servants-benefit-from-housing-subsidy-says-gipf</a></td></tr><tr class="row-locked"><td>12</td><td style="min-width:240px">South Africa proposes increase in housing subsidy for first-time homebuyers</td><td style="min-width:140px">2026-07-09</td><td style="min-width:140px">Proposed increase in the housing subsidy threshold from R22,000 to R35,000 for first-time home buyers and builders.</td><td style="min-width:140px">grant</td><td style="min-width:140px">South Africa</td><td style="min-width:140px">Government Housing Subsidy</td><td style="min-width:140px">First-time home buyers and builders.</td><td style="min-width:140px">updated</td><td style="min-width:140px">35,000</td><td style="min-width:140px">ZAR</td><td style="min-width:140px">Human Settlements Minister Thembi Simelane</td><td style="white-space:nowrap"><a href="https://za.headtopics.com/news/south-africa-s-human-settlements-minister-acknowledges-85387513" target="_blank" rel="nofollow">https://za.headtopics.com/news/south-africa-s-human-settlements-minister-acknowledges-85387513</a></td></tr></tbody></table></div>