: Allows for a 1% down payment, with the lender providing a 2% non-repayable grant to reach the required equity.
: Designed for low-to-moderate income buyers in designated rural and suburban areas—which account for roughly 97% of the U.S. land mass. Household income generally cannot exceed 115% of the area's median income. 2. Assistance & "Stacking" Strategies options for buying a house with no down payment
: Available to veterans, active-duty service members, and eligible surviving spouses. They feature no monthly mortgage insurance and flexible credit requirements. : Allows for a 1% down payment, with
: Standard FHA loans require 3.5% down, but many buyers "stack" these with State and Local Grants or forgivable second mortgages to cover the entire upfront cost. Specialized Lender Programs : active-duty service members