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To turn on JavaScript in Firefox, follow these steps:

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To download Firefox 2, click here.


To turn on JavaScript in Safari, follow these steps:

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Opera 9.xx series

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Google Chrome(v0.4.154.23)

To turn on JavaScript in Google Chrome(v0.4.154.23), follow these steps:

  1. First close any open Chrome windows.
  2. Right click on a blank area of your Desktop.
  3. Select New.
  4. Create a new Shortcut with the following in the "Type the location of the item:" text box:
    • For Windows Vista:
      %userprofile%\Local\Google\Chrome\Application\chrome.exe -enable-javascript
    • For Windows XP:
      "%userprofile%\Local Settings\Application Data\Google\chrome.exe" -enable-javascript
      Note: You'll have to enclose the file path for Windows XP in quotes due to there being spaces in it.





Young couple unpacking boxes of their belongings in their new home.

First Time Homebuyer Programs

​From down payment and closing cost assistance to state-specific programs, find the support you need through M&T.




​​​​​​​M&T can help make purchasing your first home easier.

If you've never owned real estate or haven't owned real estate in the past three years, you may qualify as a first time homebuyer – giving you access to a variety of state and federal loan programs.

​Before you begin your home search, contact an M&T Mortgage Loan Officer to discuss the process and find out what type of mortgage program is best for you. You can search for a loan officer in your area or submit your contact info and we will call you.

​​Mortgage Programs Available Through M&T

​M&T Get Started Mortgage

This option features a low down payment for the borrower, and remaining down payment and closing costs can be funded by a gift or grant. M&T's Get Started Mortgage​DIS-91-DIS is available in certain counties in New York, Maryland, New Jersey, Delaware, Connecticut, Virginia, West Virginia and Washington, DC.

Read More About M&T's Get Started Mortgage (PDF) ›

​FHA Mortgages

Available to most homebuyers, FHA mortgages offer a low down payment option with no income limits.

Read More About our FHA Mortgages (PDF) ›

​VA Mortgages

VA Loans have options available to assist borrowers with down payments and closing costs.

Read More About our VA Mortgages (PDF) ›

​​​USDA Rural Housing Program

This program helps make homeownership affordable for buyers with little cash savings. Buyers in eligible rural areas may be able to purchase a home with no down payment.

Read More About the USDA Rural Housing Program (PDF) ›​

State-Specific Programs for First Time Homebuyers

State specific programs are available to help assist first time homebuyers with the purchase of their new home. Down payment and closing assistance may also be available to help you purchase your dream home.

Find a Mortgage Loan Officer ›

​You can also explore the following websites for more information.


Connecticut Housing Finance Authority (CHFA) ›


Delaware State Housing Authority (DSHA) ›

District of Columbia

District of Columbia Housing Finance Agency (DCHFA) ›


Maryland Community Development Administration (Maryland CDA) ›

New Jersey

New Jersey Housing ›

New York

M&T Bank and The Federal Home Loan Bank of New York are working together to provide grant funds to qualified first time homebuyers. Individuals who have not owned a home of their own for three years are considered first time homebuyers. Program participants, before actually purchasing a home, make monthly deposits over a period of 12–18 months, into a First Home Club savings account.

Learn More About First Home Club savings account ›

The State of New York Mortgage Agency (SONYMA) offers a variety of opportunities for first time homebuyers in New York State, including programs for veterans, lower income buyers and those interested in purchasing an under-construction home or one in need of improvements.

Learn More About SONYMA Programs ›​

​Take the next step.

For more details on mortgage programs and other support for eligible first time homebuyers, please contact us today.

​​Call us.

Monday–Thursday 8:30am–7:00pm ET
Friday 8:30am–​6:00pm ET

Have us call you.

Send your name and contact information, and an M&T Mortgage Loan Officer will get in touch.

Submit Contact Request Form ›

Find a specialist in your area.

To locate a Mortgage Loan Officer near you, use our finder tool.

Find a Mortgage Loan Officer ›








  • What happens if mortgage rates increase or decrease after I lock in a rate?
  • ​​If mortgage rates increase or decrease after you've locked in a rate, your locked rate will hold for the duration of your chosen lock period.​//

Start the Pre-Qualification ProcessThinking about buying a home? Let's get started.

​​Find out how much you could​ potentially borrow.​