: Managed by the Federal Housing Administration (FHA) , these require as little as 3.5% down for credit scores of 580+.

Low-income families have access to a wide range of programs designed to make homeownership more affordable in 2026. These initiatives generally focus on reducing the required down payment, providing grants that do not need to be repaid, or offering government-backed loans with flexible credit requirements.

: The USDA Rural Development offers 0% down financing specifically for low-income families in eligible rural and suburban areas.