Buying or building a home
First Home Scheme
A shared-equity scheme where the State and banks pay up to 30% of the price of your new home in return for an equity stake.
AmountUp to 30% of the priceshared-equity toward your home
Who runs itFirst Home Scheme Ireland
Best forFirst-time and Fresh Start buyers
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Work out your grant
A quick estimate. Not a guarantee — always confirm on the official source.
What it is
The First Home Scheme bridges the gap between your mortgage, deposit and the price of a new home. It is not a loan — the State takes a percentage stake you can buy back later.
How much you can get
Up to 30% of the price shared-equity toward your home.
| Maximum equity | 30% of price |
| With Help to Buy | 20% of price |
| Minimum stake | €10,000 or 2.5% |
Who can get it
Over 18, a first-time buyer or Fresh Start applicant, with mortgage approval from a participating lender. You must borrow the maximum available and the home must be within your area's price ceiling.
What you’ll need
- Mortgage approval from AIB, Bank of Ireland or PTSB
- Minimum 10% deposit
- Proof of first-time buyer or Fresh Start status
How to apply
- Get mortgage approval from a participating lender
- Apply online at firsthomescheme.ie
- Receive your eligibility certificate and complete the purchase
Official source: First Home Scheme. Figures current June 2026. This is a free guide, not a government service — always confirm on the official page.