$500–$50K via nonprofit intermediaries — startup + micro-acquisition friendly.
SBA Microloan Program funds up to $50K per borrower via nonprofit CDFIs at 8–13% APR, 6-year terms. Ideal for micro-acquisitions (route businesses, laundromats, food trucks) or startup working capital that mainstream SBA won't touch. Includes free technical assistance / business coaching as a condition of funding.
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.
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.