: Available to eligible military members, veterans, and certain surviving spouses. These offer $0 down and do not require monthly private mortgage insurance (PMI), though they usually involve an upfront funding fee.
: Newer pilot programs, such as those in Michigan or California , offer up to $25,000–$150,000 for buyers whose parents have not owned a home recently. buying a house with zero down
: Many states offer grants (like CHFA ) or forgivable loans that cover the 3%–3.5% requirement for FHA or Conventional loans. : Available to eligible military members, veterans, and
: This program provides a 3.5% down payment assistance second mortgage that can be forgiven after 36 on-time monthly payments. Key Considerations FHA + DPA Grant Down Payment 0% (if grant covers it) Credit Req. Varies (often 580+) Typically 640+ Varies by DPA program Location Nationwide Eligible Rural/Suburban Nationwide PMI Low annual fee Monthly PMI required : Many states offer grants (like CHFA )
I can help find localized grants or check the for a particular area.