: Reach out to a HUD-approved housing counselor for free advice on local programs.

: Requires only 3.5% down ; allows credit scores as low as 580 .

: Provides up to 50% off the home’s list price for teachers, firefighters, and law enforcement in revitalization areas.

: Programs from Fannie Mae and Freddie Mac offering 3% down and reduced private mortgage insurance (PMI). 📝 Tips for Your Application

: Provides 0% down financing for homes in designated rural or suburban areas.

These government-backed loans often feature lower credit requirements and smaller down payments.