Use a VA loan if you qualify
Use a USDA loan if the property and income qualify
Use a down payment assistance program
Use a first-time homebuyer grant
Use seller concessions to cover closing costs
Negotiate a low or zero down payment loan
Use an FHA loan with gifted down payment funds
Get a gift letter from a family member or approved donor
Use employer housing assistance if available
Buy with a co-borrower who can help qualify
Use lease-to-own or rent-to-own programs
Assume an existing mortgage if allowed
Buy a foreclosure or fixer-upper with financing help
Partner with an investor or co-signer
Save for closing costs while using assistance for the down payment
Ask your lender about local, state, and nonprofit programs
Improve your credit to qualify for better low-down-payment options
Reduce debt to increase borrowing power
Look for homes priced within your approved loan amount
Work with a real estate agent experienced in assistance programs