$100 total down on FHA-repossessed homes for owner-occupants.
HUD sells foreclosed FHA-insured homes through hudhomestore.gov. Under the $100 Down program (available in participating states), owner-occupant buyers using FHA financing can purchase for just $100 down. Priority window: first 15 days for owner-occupants only. Combine with FHA 203(k) for rehab financing built into the loan.
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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.
3.5% down + rehab budget rolled into one loan — buy distressed properties.
3% down conventional + rehab budget — no PMI drop-off delays.