The destination for first‑time homebuyers 

Buying a home in today’s market is more complex and more expensive than ever. That’s why we’re here—to boost your first-time homebuyer savings and your first-time homebuyer knowledge, so you can buy a home faster, with more confidence. 

I'm ready to get serious

There are not enough tools for first-time homebuyers 

First-time homebuyers are being under-served in the market—there are support platforms and services for almost everything under the sun. There are tax-advantaged savings accounts for school, for health, for retirement. 

First-time homebuyers have been left in the cold. Not anymore, not on our watch. 

Foyer is a platform that helps consumers save for down payments, essentially acting as a ‛401(k) for homeownership’
Foyer helps first-time homebuyers prepare for the biggest transaction of their lives with confidence.
Foyer offers a savings plan for first-time homebuyers. It's one of several fintechs trying to help struggling consumers buy their first home

Supercharge your savings with a first-time homebuyer savings account  

Grow your down payment up to 30 %6 faster with a dedicated savings strategy designed for first-time homebuyers—aka the “401K for homeownership.”

  • Up to 6 % deposit matching
  • 3.83% APY - 10x greater than the national average 
  • Deductions and tax-free savings that vary by state 
Start Saving

Step‑by‑step guidance, one-on-one, zero judgment

We’re here to set expectations and help you prepare.

Our home advisors are modern-day homebuying pros and here for you to lean on—by text, email, or phone.

Make a goal and stay on track

We’ll help you set a realistic savings goal and then help you achieve it. Tracking milestones, earning rewards, and celebrating each step toward your keys. 

Helpful tools and more ways to save

  • Interactive calculators reveal the real cost of owning a home, including various mortgage scenarios and monthly expenses most people forget.
  • Our downpayment assistance finder helps you locate savings programs you might be eligible for. With a 93% success rate of generating results. 

Connect to top agents and lenders (and save more)

Save thousands on real estate agent and mortgage lender fees when you partner with our pre-vetted pros, offering the best rates. (No obligation, we can keep the introductions coming until you’ve found someone you like.) 

First-time homebuyer benefits at a glance

A quick side‑by‑side of everything that comes with your account, no fine print.

Foyer+

$228

$99

/year
  • 6% deposit match3
  • 3.83% APY1; 10x industry average2
  • Over $2,350 in agent and lender savings
  • Discover down payment assistance among thousands of programs
  • Great for existing savings of over $1000
Start Saving
Foyer Basic

Free

  • 3% deposit match3
  • 0.77% APY1
  • $1,500 in agent and lender savings
Start Saving
How it works

Save

Open your FHSA, automate deposits, and watch your savings grow 10 times faster than the national average. 

Grow

Earn rewards for milestones, tap into first-time homebuyer savings programs, build credit readiness, understand the process. 

Buy

Connect with experts (another savings opportunity), lock in the best price for your loan, redeem your rewards, close on your first home.

Supercharge my savings

FAQs for first-time homebuyers

What programs are there for first‑time home buyers?

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Most buyers start with a First‑Home Savings Account (FHSA) for tax‑advantaged growth, then stack state or city down‑payment grants, plus national options like FHA, VA, or USDA loans. Foyer’s DPA finder and agent+lender network surface every qualified program—often worth $10–25K in combined assistance.

Is it worth getting financial assistance on first‑time home buyers?

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Absolutely. Programs aimed at new buyers can lower out‑of‑pocket costs, waive PMI, or shave points off your interest rate, savings that can exceed $200 per month. Pairing expert guidance (like a Foyer home advisor) with these benefits turns a daunting purchase into an achievable plan.

What disqualifies you from first‑time home buyer status?

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Owning a primary residence in the past three years is the biggest deal‑breaker. Some programs also set income caps, minimum credit scores (typically 620+), or require the property to be your primary home, so investment purchases don’t qualify. Foyer helps you verify eligibility before you apply.

Ready to own your first home?

Take the first step toward the front door with up‑to‑6 % match, tax perks, and an advisor by your side.

Start saving