: You can qualify with as little as a 3.5% down payment .

Targeted at rural and some suburban areas, these also offer options.

A nationwide nonprofit that helps low-to-moderate-income families with and no credit score requirement , though it requires extensive financial counseling. Strategies to Boost Your Approval Odds

: You may still qualify, but lenders typically require a 10% down payment to offset the risk.

: They require $0 down payment and no monthly mortgage insurance. USDA Loans (U.S. Department of Agriculture) :

If you are a veteran, service member, or eligible spouse, VA loans often have (though many lenders set their own "overlays" around 580–620).