: Requires a minimum down payment of 3.5% for credit scores of 580+. Borrowers with scores as low as 500 may qualify with a 10% down payment.

: A Fannie Mae and Freddie Mac program allowing a 3% down payment for first-time buyers with credit scores typically above 620. Federal Housing Administration

First-time homebuyer programs in 2026 generally target three main areas of assistance: lower down payment requirements, financial aid for upfront costs (down payments and closing costs), and ongoing tax benefits.