Federal Home Buying Programs [ RECOMMENDED › ]

Insured by the , these loans are the go-to for buyers with limited savings or lower credit scores.

You must pay an upfront Mortgage Insurance Premium (MIP) and monthly premiums, typically for the life of the loan. 2. VA Loans: The Military Benefit 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. Insured by the , these loans are the

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

The offers arguably the most powerful mortgage benefits, reserved for veterans, active-duty service members, and eligible surviving spouses. FHA Loan Requirements in 2026