Neighborhood Assistance Corp of America — below-market rate, zero down.
NACA (nonprofit) offers a mortgage program with 0% down, no PMI, no closing costs, and rates typically 1–1.5% below market — with the option to buy the rate down further. No credit-score minimum; underwriting is character-based via 6–12 months of budget counseling. Slower process (4–8 months) but unbeatable pricing for owner-occupants who plan ahead.
Click Generate advisory deep dive for mechanics, IRC citations, a step-by-step execution plan, a worked numeric example on your profile, costs, risks, and this-week actions.
Eligible veterans buy with $0 down, no PMI, and assumable rates.
0% down in USDA-eligible areas — includes many suburban zip codes.
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.
3% down conventional + rehab budget — no PMI drop-off delays.