Home Buying Programs — Federal

As low as 3.5% for those with a credit score of 580 or higher .

Federal home buying programs are designed to lower the barrier to entry for homeownership by offering low down payments, flexible credit requirements, and specialized assistance. For 2026, several key federal initiatives are available to help you secure a primary residence. 1. FHA Loans: The Flexible Entry Point federal home buying programs

For 2026, single-family limits range from $541,287 in low-cost areas to $1,249,125 in high-cost regions. As low as 3

You may qualify with a score as low as 500 , though this requires a 10% down payment. flexible credit requirements