Affordable Homes & Programs

Government-owned foreclosed homes sold below market value. Owner-occupants get priority bidding, and you can buy with just $100 down using FHA financing.

Search Section 8 housing, LIHTC tax credit apartments, and public housing by location. These are income-restricted units with below-market rents.

Check if your area qualifies for USDA zero-down-payment home loans. Many suburban areas are eligible. Income limits apply based on location and household size.

Find state and local programs that provide grants or forgivable loans to cover your down payment and closing costs. Available in all 50 states.

Fannie Mae-owned properties often available below market value. First-time buyers may qualify for closing cost assistance. Some are move-in ready.

Build or purchase a home with an affordable, no-interest mortgage. Requires "sweat equity" hours. Income must be 30-80% of area median.

Federal Housing Administration loans with low down payments and flexible credit requirements — ideal for first-time buyers.

• Down payment as low as 3.5%
• Credit scores as low as 580
• Gift funds allowed for down payment
• Available for primary residences

Zero-down-payment loans for homes in USDA-eligible rural and suburban areas. Income limits apply based on location.

• No down payment required
• Below-market interest rates
• Low mortgage insurance
• Covers many suburban areas

Exclusive to veterans, active-duty military, and eligible surviving spouses. One of the most powerful home loan benefits available.

• No down payment required
• No private mortgage insurance
• Competitive interest rates
• Limited closing costs

Government-owned foreclosed properties sold through HUD, often below market value. Owner-occupants get priority over investors.

• Priced below market value
• $100 down with FHA financing
• Owner-occupant priority period
• Available in every state

Properties repossessed by lenders, typically sold at a discount. Can offer significant savings but may need repairs.

• 10-40% below market value
• Conventional or FHA financing
• Title insurance available
• Some are move-in ready

State and local programs that provide grants or forgivable loans to help cover down payment and closing costs.

• Grants (don't have to repay)
• Forgivable second loans
• Available in all 50 states
• Can combine with FHA/VA/USDA