You may need less down than you think
Thousands of down-payment-assistance programs exist — most buyers never hear about them. Here's what's out there, and how to find the ones you qualify for.
State & local programs
Nearly every state (and many cities) offer grants or low-interest second loans for down payment and closing costs. Amounts and rules vary widely.
VA & USDA loans
Eligible veterans and rural buyers can often buy with $0 down.
FHA loans
As little as 3.5% down, and DPA programs can stack on top.
Profession-based programs
Teachers, first responders, healthcare workers, and others qualify for special programs in many areas.
Gift funds
Down-payment gifts from family are allowed on most loan types (with documentation).
Program availability and eligibility change constantly and vary by location — a local agent and lender will find the ones you actually qualify for.
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