Two main federal programs allow you to finance , meaning no cash down payment is required.
: Many lenders accept scores starting at 580–620 . want to buy a house with no money down
: A second mortgage with 0% interest and no monthly payments, often forgiven if you live in the house for 5–10 years. Two main federal programs allow you to finance
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: A one-time fee (typically 2.15% for first-time use) is required but can be rolled into the loan.
: You can negotiate for the seller to pay your closing costs (typically 3%–5% of the loan amount), which significantly reduces your initial cash need.
⭐ : Check your state's specific Housing Finance Agency (HFA) website; they often have 2026 updates for first-time buyer grants that are not advertised on national sites.