Homebuying program

Department of Agriculture is for low-to-median income borrowers buying a home in a rural USDA-eligible location. Veterans are eligible for the VA loan program.

No down payment or mortgage insurance premiums are needed, most lenders require a credit score to qualify. Veterans who are of Native American descent can qualify for a mortgage, renovte, or build a home on Federal trust land. The U. Search for available properties in your area on the HUD Homestore website. FHA loans are popular among first-time homebuyers because of their low down payment and low credit score requirements. A mortgage insurance premium is required for FHA loans regardless of the amount of the down payment, along with an upfront MIP fee of 1.

Please watch the video below to learn how the Habitat homebuying process works, then press the button beneath the screen to take the orientation quiz. A member of our Family Services team will contact you after you complete the quiz. Homebuyer Orientation Quiz. Can't access the video above? Find FHA loan products for manufactured mobile homes.

Learn more about FHA loans. Your qualifications to buy a HUD home depend on your credit score, ability to get a mortgage, and the amount of your cash down payment. Click on the agent tab to find contact information to learn more about the property. Contact your local PHA. If a lender is discriminating against you, submit a complaint to the Consumer Financial Protection Bureau.

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