Buying a home is more accessible when you leverage federal, state, and local programs designed to lower upfront costs and provide flexible financing. As of early 2026, over 2,600 assistance programs are available nationwide. 1. Federal Government-Backed Loans
: FHA loan limits in 2026 increased in most counties, providing up to $40,000 more in purchasing power. VA Loans (Department of Veterans Affairs) : programs to help buy a home
: First-time buyers or those with lower credit scores. Buying a home is more accessible when you
: 3.5% if your credit score is 580 or higher; 10% for scores between 500–579. providing up to $40
These loans are insured by federal agencies, allowing private lenders to offer lower down payments and flexible credit requirements. :