0% down in USDA-eligible areas — includes many suburban zip codes.
USDA Section 502 Guaranteed loans offer 100% financing for owner-occupied homes in USDA-designated rural areas — which surprisingly include many suburban commuter towns. Income limits apply (typically 115% of area median). Upfront guarantee fee (1%) + annual fee (0.35%) — cheaper than FHA MIP. No PMI in the traditional sense.
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.
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.
3% down conventional + rehab budget — no PMI drop-off delays.