State / county / employer DPA — $5K–$50K forgivable or 0% deferred 2nd.
Nearly every state HFA and many counties offer DPA to first-time or moderate-income buyers as either a forgivable grant (5-year residency) or a 0% deferred 2nd lien (payable at sale/refi). Chenoa, HomeReady, employer-assisted housing programs, and hospital / teacher / firefighter grants can stack. Combine with FHA / Conv 97 to buy at 0% out-of-pocket.
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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.
$100 total down on FHA-repossessed homes for owner-occupants.
3.5% down + rehab budget rolled into one loan — buy distressed properties.
3% down conventional + rehab budget — no PMI drop-off delays.