1.25–2.25% down for enrolled tribal members — nationwide.
HUD Section 184 offers 1.25% down (up to $50K purchase) or 2.25% down (above) for enrolled members of federally recognized Native American tribes. Available nationwide, on and off tribal lands. Fixed rates, no MIP after year 22.5, manual underwriting friendly to non-traditional credit. Rehab funds can be included.
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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.
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.