Most states operate housing finance agencies that provide grants or "silent" second mortgages to help with down payments. Apply for the Georgia Dream Homeownership Program
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
These loans are insured by federal agencies, allowing private lenders to offer lower down payments and flexible credit requirements. : programs to help buy a home
: 0% for eligible veterans, active-duty members, and surviving spouses.
: First-time buyers or those with lower credit scores. Most states operate housing finance agencies that provide
: 0% for homes in designated rural and suburban areas.
: No monthly mortgage insurance (PMI) and competitive interest rates. USDA Loans (Department of Agriculture) : : First-time buyers or those with lower credit scores
: FHA loan limits in 2026 increased in most counties, providing up to $40,000 more in purchasing power. VA Loans (Department of Veterans Affairs) :