Helping first-time buyers get into a home

Why first-time homebuyers face barriers

The growing wealth gap and rising housing costs make it harder for many people to buy a home. According to the National Association of Realtors (NAR), only 21% of homebuyers in 2025 were buying their first home — the lowest number ever recorded by NAR.

At Progressive, we believe progress is for all. Through our Open the House initiative, we're dedicated to helping first-time homebuyers secure their first home.

To help make homebuying more achievable, we offer resources for first-time buyers, including support for upfront costs like down payments and tools to guide you through the homebuying process with confidence.

UpPayment® can help get you into your first home

UpPayment is Progressive's down payment assistance program, administered by the National Urban League. UpPayment offers down payment assistance of up to $13,500 for at least 200 eligible first-time homebuyers.^* Also, as part of this program, Progressive continues to invest in expanding access to HUD-certified housing counseling, so more families can get free support on their homeownership journey.

The 2026 UpPayment program is now open. Eligible first-time homebuyers can apply for UpPayment assistance through a participating HUD-certified housing counselor. This program is meant for first-time homebuyers who haven't owned a primary residence at least three years before the closing date of their new home.

See if you're eligible

More resources for first-time homebuyers

Buying your first home, and your first homeowners policy, can feel overwhelming. These tools can help you understand costs, plan your budget, and learn what to expect as you move toward homeownership.