ReadyOwn
Ready for every step.
ReadyOwn is the Homeownership Council of America's consumer program. Free, guided, mobile-first tools that walk with you across every stage of the homeownership journey, from dreaming about your first home to keeping the one you own.
HCA's consumer program, built for every stage of ownership
ReadyOwn is a program of the Homeownership Council of America (HCA), a 501(c)(3) national nonprofit. It turns the council's deep expertise in mortgage lending, compliance, and affordable housing into a clear path that walks with every buyer, at every stage of the journey.
Where most homebuyer tools are lead generators built to sell your information, ReadyOwn is the opposite. It is free to use, ad-free, and built by a nonprofit. Lenders cannot pay for placement. Programs are listed on eligibility, never bought. Your journey stays uninterrupted and private.
ReadyOwn meets you wherever you are, from dreaming about your first home to keeping the one you own, with guided apps and a national down payment assistance locator.
Programs for every stage of ownership
ReadyOwn meets you wherever you are on the journey, from dreaming about your first home to keeping the one you own.
ReadyOwn Pathway
Get mortgage-ready, step by step.
A downloadable app that personalizes your journey with a free account. Your steps, badges, and learning games adapt to you as you progress toward homeownership.
- Free account that saves your progress and tailors the path to you
- Daily quests, merit badges, and learning games
- Warm handoff to a trusted lender or counselor when you're ready
DPA Locator
Find down payment assistance in seconds.
Search 3,500+ verified programs where you want to buy. No account needed, free to use, and ad-free. Connect with lenders who can help, making homeownership more accessible and affordable.
- Works in your browser, nothing to download or sign up for
- Search by city, county, or ZIP with clear eligibility at a glance
- Forgivable grants and low-cost loans with clear eligibility
ReadyOwn Onward
Your homeownership companion, one stage at a time.
A full post-purchase education and support center app for current homeowners. Protect your investment, build equity, and keep the home you worked for.
- Post-purchase education tailored to life after closing
- Tools and guidance to protect and keep your home
A guided experience that meets you where you are
ReadyOwn Pathway turns the homebuyer journey into clear steps, daily quests, and earned badges, built on HUD-compliant, nationally aligned standards.
Your dashboard
Your vision
Learning path
Affordability calculator
Budget builder
Learning games
Why you can trust it
Free to download or use
Get the app or use the locator at no cost, with no hidden fees.
No ads
Your journey stays uninterrupted and ad-free, always.
Built by a nonprofit
Made by the Homeownership Council of America, not a lead generator.
Lenders can't pay for placement
Programs are listed on eligibility, never bought.
Talk to a HUD-approved housing counselor
Get unbiased guidance from a HUD-approved housing counselor, at no cost to you. Counselors can help you understand your options, prepare for the mortgage process, and connect with down payment assistance.
Find a counselorReady to start your journey?
Launch ReadyOwn Pathway, a free, guided experience built for first-time homebuyers. Or search 3,500+ down payment assistance programs with the DPA Locator, no account required.