: First-time buyers or those with lower credit scores.
: 0% for eligible veterans, active-duty members, and surviving spouses. programs to help buy a home
: 0% for homes in designated rural and suburban areas. : First-time buyers or those with lower credit scores
These loans are insured by federal agencies, allowing private lenders to offer lower down payments and flexible credit requirements. : programs to help buy a home
Buying a home is more accessible when you leverage federal, state, and local programs designed to lower upfront costs and provide flexible financing. As of early 2026, over 2,600 assistance programs are available nationwide. 1. Federal Government-Backed Loans