: Ideal for lower credit (580+) or smaller down payments (3.5%); however, these require permanent mortgage insurance (PMI).
: Many state and local programs offer grants or low-interest loans to help with upfront costs. Upfront & Ongoing Costs things to know when buying first home
First-time buyers in 2026 have several loan paths, each with specific requirements: : Ideal for lower credit (580+) or smaller down payments (3