SBA 7(a) up to $350K via mission-based lenders — favorable to first-timers.
SBA Community Advantage lenders (CDFIs, mission-based nonprofits) fund 7(a) loans up to $350K with more flexible underwriting than mainstream banks — friendly to first-time entrepreneurs, women, minorities, and veterans. Same 10% equity injection and 90% LTV as standard SBA 7(a), but faster close (30–45 days) and character-based review supplements strict FICO cutoffs.
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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.