3.5–5% grants that never need to be repaid — no residency clawback.
Chenoa Fund, National Homebuyers Fund, Utah HAT, and many HFAs offer TRUE grants (not forgivable-over-time loans) covering 3.5–5% down payment + closing costs. No repayment, no residency clawback, no income tax event. Available nationwide via participating FHA lenders. Best for buyers who want zero-cash close AND flexibility to sell / refi anytime.
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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.