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First-time buyer assistance programs
You don’t always need 20% down. From FHA, VA, and USDA loans to down-payment-assistance grants and tax credits, here’s the help that exists — what each offers, who it generally fits, and the usual catch. Tap any program to expand.
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Educational only — not lending or financial advice. Programs, eligibility, and funding change by year, state, and lender; verify current details with a licensed lender, your state Housing Finance Agency (HFA), or HUD. Nothing here is a guarantee that you will qualify or of any specific terms, amount, or outcome.
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