Homeownership Assistance — What's Available in 2026
FHA loans require as little as 3.5% down with a 580+ credit score. USDA loans offer 0% down for qualifying rural properties. Down payment assistance grants and second mortgages can cover your entire down payment in many states.
HUD-approved housing counselors provide free guidance on the homebuying process and credit improvement. Counseling is required for some programs and strongly recommended for all first-time buyers.
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2026 Homeownership Program Comparison
2026 Homeownership Program Comparison
Major programs for low-to-moderate income homebuyers
| Program | Min Down Payment | Credit Score | Income Limit |
|---|---|---|---|
| FHA Loan | 3.5% | 580+ | None (loan limits apply) |
| USDA Rural Loan | 0% | 640+ | 115% of AMI |
| VA Loan (veterans) | 0% | No minimum | None |
| State DPA Programs | Varies | 620+ | 80–120% AMI typically |
| HUD Good Neighbor Next Door | 50% off list price | 580+ | Target occupation required |
Down payment assistance may be a grant, forgivable loan, or deferred second mortgage. Requirements vary by state.
How to Get Homeownership Assistance
1
Get Free HUD Counseling
Work with a HUD-approved housing counselor before applying for any loan. Counseling is free and can help identify the right programs.
Find a HUD Counselor →
2
Check Your Credit and Income
Review your credit report and address errors. Most programs require 580–640+ credit score.
3
Research State DPA Programs
Every state has first-time homebuyer programs. Many offer grants or forgivable loans for down payment and closing costs.
DPA Programs by State →
4
Apply for Your Mortgage
Apply through an FHA-approved lender, USDA, or VA depending on your program.
Not Sure What You Qualify For?
Take the free Benefits Match Quiz — see every housing and financial program you may qualify for.
All Homeownership Assistance Articles
See All →
Programs
First-Time Homebuyer Programs 2026 — Grants and Loans by State
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Down Payment
Down Payment Assistance by State 2026 — Full Guide
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Counselors
HUD-Approved Housing Counselors — Free Homebuying Help
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USDA
USDA Rural Home Loans 2026 — 0% Down in Rural Areas
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FHA
FHA Loan Guide 2026 — 3.5% Down with Low Credit
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