: 3.5% if your credit score is 580 or higher; 10% for scores between 500–579.
Buying a home is more accessible when you leverage federal, state, and local programs designed to lower upfront costs and provide flexible financing. As of early 2026, over 2,600 assistance programs are available nationwide. 1. Federal Government-Backed Loans programs to help buy a home
: 0% for eligible veterans, active-duty members, and surviving spouses. and surviving spouses.