The Home Deposit Grant is designed to top up your earnings if you work and are on an income. However, it is being  not all income earning groups are eligible. We advice  most people  to apply  instead of waiting till you are eligible. Use this guide to find out whether you’re still eligible for the benefit, how Working Tax Credit is affected by Universal Credit and what happens if you are already getting it.Are you working, 45 years and under as well as  responsible or co-responsible for a young family.   We might be able to help with a 5% deposit  help-to-buy grant. Do i qualify ?