How To Buy A Home With Little Money Down May 2026

: A popular choice for those with lower credit scores (minimum 580 for 3.5% down).

Buying a home with little money down is possible through government-backed loans that require , or by using down payment assistance (DPA) programs that provide grants or forgivable loans to cover these upfront costs . Key Low and No-Down Payment Options how to buy a home with little money down

: Programs like Fannie Mae’s HomeReady and Freddie Mac’s Home Possible allow for 3% down for qualified low-income or first-time buyers. The Story of Maya's New Home : A popular choice for those with lower