Unlock your path to homeownership with federal first-time homebuyer programs. From FHA loans to VA benefits, explore nationwide options designed to help you purchase your first home with lower costs and flexible requirements.
Calculate your Cash to Close, real-time Interest Rate and Monthly Payment
Federal programs provide vital support to first-time homebuyers across the United States. These include FHA loans backed by the Federal Housing Administration, VA loans for veterans, USDA loans for rural areas, and down payment assistance programs.
These programs are designed to make buying a home more accessible, especially for those with limited savings or lower credit scores.
Must be a first-time homebuyer (not owned a home in the past 3 years)
Meet income and purchase price limits depending on the program
Property must be your primary residence
Credit score and debt-to-income ratio requirements apply
Additional requirements may vary by program
Low down payment options (as low as 3.5%)
Reduced interest rates for qualified buyers
Flexible credit score requirements
Closing cost assistance and grants available
Access to government-backed loan security
Determine your eligibility
Choose a participating lender
Gather required documentation (income, tax returns, credit report)
Complete the loan application and pre-approval
Complete homebuyer education (if required)
Submit your offer and close on your new home
Program availability, terms, and requirements may vary by lender and location. Additionally, programs are subject to change based on policy updates and market conditions. Always consult with a mortgage professional for the most current information and to determine eligibility for specific programs. The information provided on this website is for general informational purposes only and does not constitute financial, legal, or professional advice.