Teachers, cops, firefighters, EMTs — buy HUD homes at 50% off list, $100 down.
HUD's Good Neighbor Next Door program lets full-time law enforcement officers, teachers (pre-K–12), firefighters, and EMTs purchase eligible HUD-foreclosed homes in revitalization areas at 50% off list price with just $100 down. Buyer signs a 3-year owner-occupancy commitment (silent 2nd forgiven at 3 years). Enormous instant equity — often $100K–$300K on day one.
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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.