Buy a home
Buying your first home? You may need less down than you think.
Many buyers qualify for low down payment loans, and down payment assistance programs exist in every state.
Low down payment loan options
FHA
As little as 3.5% down with flexible credit guidelines.
Conventional 3%
Fannie Mae HomeReady and Freddie Mac Home Possible for eligible buyers.
VA
$0 down for eligible veterans, service members and surviving spouses.
USDA
$0 down in eligible rural and suburban areas.
Program availability and requirements vary by lender and change over time. Not all buyers will qualify.
Down payment assistance (nationwide)
Find programs where you live
- HUD: buying a home & local homebuying programs
- Down Payment Resource: search programs by address
- Your state housing finance agency (NCSHA directory)
Credit not quite there yet?
If your score is holding you back, call me before you give up. I'll show you what's affecting it and which steps could help the most before you apply.
The path to your keys
- Quick call to talk goals and budget
- Pre-approval (shop with confidence)
- Find the home with your Realtor
- I compare 120+ lenders for your loan
- Close and get your keys
Let's talk about your home
Not sure where to start? A 15-minute call usually answers the big questions.