Government Helps You Buy House May 2026

: Available to veterans and active-duty service members. These usually require $0 down and have no monthly mortgage insurance.

💡 : Most government help is administered at the local level. Your first step should be contacting a HUD-approved housing counselor or a local lender who specializes in "first-time buyer" programs. government helps you buy house

: Second mortgages that disappear if you stay in the home for a set number of years (usually 5–10). : Available to veterans and active-duty service members

: Aimed at low-to-moderate income buyers in rural and suburban areas. These also offer 100% financing (no down payment). Down Payment Assistance (DPA) Your first step should be contacting a HUD-approved

Buying a home is the biggest investment most people ever make, and the government offers several programs to make it more affordable. These initiatives focus on reducing down payment requirements, lowering interest rates, or providing tax breaks. Federal Mortgage Programs

: Teachers, firefighters, and police officers can get 50% off the list price of homes in "revitalization areas" via HUD.

: In some cases, Section 8 vouchers can be used toward monthly mortgage payments instead of rent.