You’re not alone when buying a home. Many states and cities have programs that help people cover the cost of their homes.

This down payment assistance tool from the National Fair Housing Alliance is an easy way to see if you might qualify for assistance. Enter where you’re planning to buy and answer some basic questions, and the tool will give you a list of local programs and loans that might help you buy a home. And this page lets you search all available programs in your state.

You can also talk to a counselor with the Department of Housing and Urban Development (HUD) about your readiness to buy a home and the financial assistance that might be available to you. HUD counseling is free. This free online course from Fannie Mae can also help you better understand buying a home.

If you’re planning to use a mortgage to buy your home, though, it’s essential to know that not all mortgage lenders work with homebuyers who use down payment assistance programs. So when picking a lender, verify upfront if a lender will work with you if you plan on using down payment assistance to buy your home.