Fannie / Freddie low-income programs — 3% down + reduced PMI.
Fannie Mae HomeReady and Freddie Mac Home Possible allow 3% down conventional loans with reduced-cost PMI and flexible income sources (boarder income, non-borrower household income). Income limits apply (typically 80% AMI). Cheaper long-term than FHA because PMI drops off at 80% LTV and the loan is conforming.
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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.
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.
3% down conventional + rehab budget — no PMI drop-off delays.