Standard 3% down conventional for first-time buyers — no income limits.
Fannie Mae's Conventional 97 program lets first-time buyers put just 3% down on a conforming loan with no income limits (unlike HomeReady). PMI is required but drops off at 80% LTV. Cheaper long-term than FHA when credit is 720+. Stackable with most DPA programs. Widely available at every conventional lender.
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Eligible veterans buy with $0 down, no PMI, and assumable rates.
0% down in USDA-eligible areas — includes many suburban zip codes.
Neighborhood Assistance Corp of America — below-market rate, zero down.
Fannie / Freddie low-income programs — 3% down + reduced PMI.
1.25–2.25% down for enrolled tribal members — nationwide.
State / county / employer DPA — $5K–$50K forgivable or 0% deferred 2nd.
$100 total down on FHA-repossessed homes for owner-occupants.
3.5% down + rehab budget rolled into one loan — buy distressed properties.