First-Time Homebuyer Programs: Down Payment Assistance
By HUD Homeownership Office | 6 min read
Reduce homebuying costs with government assistance programs. Down payment help and low-interest loan options.
Multiple agencies offer first-time homebuyer assistance. FHA loans require just 3.5% down payment. VA loans offer zero down for eligible veterans. USDA loans provide zero down for rural areas. State and local programs often provide down payment grants or low-interest loans. First-time buyer is typically defined as not owning a home in the past 3 years. Research programs in your area through state housing finance agencies.\n\n**Related Resources**\n- [Financial Planning Tools](/tools)\n- [Budget Calculator](/budget-planner)\n- [Credit Guide](/category/Debt%20%26%20Credit)\n- [Money Saving Tips](/category/Save%20Money)