Federal Home Loans

FHA Loans (Federal Housing Administration)
FHA loans are government-insured mortgages that let you buy a home with as little as 3.5% down, even if your credit isn’t perfect. They’re designed to make homeownership more accessible for first-time and moderate-income buyers by allowing lower down payments and more flexible credit guidelines. HUD
USDA Rural Development Loans
USDA loans help low- to moderate-income buyers purchase a home in eligible rural and some suburban areas with no money down. These loans offer 100% financing and affordable fixed rates, which can be a big help if you’re buying outside major cities and don’t have a large savings stash.Rural Development+1
Good Neighbor Next Door (HUD
The Good Neighbor Next Door program gives law enforcement officers, teachers, firefighters, and EMTs a 50% discount on select HUD-owned homes in designated revitalization areas. In exchange, buyers must live in the home as their primary residence for 36 months. It’s a huge savings opportunity for community workers who qualify.HUD+2FDIC+2

For teachers, law enforcement, firefighters, EMTs:

NACA Homeowner-ship Program
The NACA (Neighborhood Assistance Corporation of America) program is designed to help everyday people become homeowners without the usual financial hurdles. NACA offers a “Best in America” mortgage with no down payment, no closing costs, no fees, no PMI, and a below-market fixed interest rate, with a special focus on low- to moderate-income buyers and underserved communities. NACA+1

Through NACA, buyers receive free housing counseling, step-by-step guidance, and support with budgeting and credit challenges. Instead of judging you by a credit score alone, NACA looks at your overall payment history and readiness for homeownership. LendingTree

HOME Investment Partnerships Program 
(Down Payment Help)
The HOME program is a federal grant program that sends funds to states and local governments to support affordable housing. Many local down payment and closing cost assistance programs are powered by HOME dollars and are aimed at low-income or first-time buyers. You don’t apply to HOME directly—you access it through local housing agencies and nonprofit programs.HUD Exchange+2Congress.gov+2
Housing Choice Voucher Homeownership
 (Section 8)
Some housing authorities allow current Housing Choice Voucher (Section 8) participants to use their voucher to help pay a mortgage instead of rent. This option can assist with monthly homeownership costs for qualified first-time buyers with low income, turning long-term renters into owners. Availability and requirements vary by local housing authority.USAGov+2HUD Exchange+2
Section 184 Indian Home Loan Guarantee Program
Section 184 is a HUD-backed mortgage program created specifically for American Indian and Alaska Native families, tribes, and tribally designated housing entities. It offers low down payments and flexible underwriting and can be used on or off tribal lands for buying, building, or refinancing a home. The goal is to increase access to homeownership and capital in Native communities.Federal Register+3HUD+3FDIC+3

HUD
HUD’s Buying a Home page is an official federal hub that walks you through the homebuying process step by step. It links to state-level programs, HUD-approved housing counselors, and education on what you can afford and how to protect your rights as a buyer. It’s a solid starting point for anyone who wants straight information from the source.HUD+2HUD User+2
USA.gov
Home Buying Assistance
USA.gov’s Home Buying Assistance section pulls together federal resources in one place, including government-backed home loans, homeownership vouchers, and info on buying government-owned properties. It also clearly warns that the federal government does not offer “free money” or personal homebuying grants, helping people avoid scams USAGov+2USAGov+2
CFPB “Owning a Home” Tools
The Consumer Financial Protection Bureau’s Owning a Home tools help buyers prep their credit, compare loan offers, explore interest rates, and understand closing documents. It includes checklists, calculators, and a step-by-step roadmap so first-time buyers can shop lenders confidently and avoid overpaying.  Consumer Financial Protection Bureau+3Consumer Financial Protection Bureau+3Consumer Financial Protection Bureau+3
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