Fannie/Freddie 3%-down conventional with removable PMI — no income cap unlike FHA MIP.
Conventional 97 (Fannie's Standard 97 or Freddie's HomeOne) allows 3% down on a primary residence with no income limit. Unlike FHA's lifetime MIP, PMI drops automatically at 78% LTV (or on request at 80%). Better long-term math than FHA for buyers with 680+ FICO who plan to stay 5+ years. First-time buyer requirement: at least one borrower must not have owned in the last 3 years.
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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.