Florida Hometown Heroes, TSAHC Hero, WHEDA Hero — grants + rate discounts.
Florida's Hometown Heroes ($35K DPA), Texas TSAHC Hero, WHEDA (Wisconsin), MassHousing, and dozens of state / county programs specifically fund healthcare workers, teachers, first responders, and military with 0% deferred DPA + below-market rates. Often stackable with FHA / Conv 97 for effectively zero-cash close in high-cost markets.
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.