First Time Home Buyer Loans 2025
Complete guide: FHA 3.5% down, VA 0% down, USDA 0% down + state programs
🏠 First-Time Buyer? Get Pre-Approved!
First-time buyer programs offer 3.5% down FHA, 0% down VA/USDA! Get approved today. External: HUD First-Time Buyer Guide
Get Pre-Approved as First-Time Buyer →✓ 3.5% down FHA ✓ 0% down VA/USDA ✓ Free quotes ✓ State grants available
🏆 5 Best First-Time Home Buyer Loans 2025
1. FHA Loan (Most Popular)
3.5% down, 580 credit score. FHA lenders approve 85% of first-time buyers!
✓ Low down payment ✓ Flexible credit ✓ Gift funds allowed
2. VA Loan (Veterans)
0% down, no PMI, no minimum score. VA lenders offer best rates for veterans!
✓ No down payment ✓ No PMI ✓ Competitive rates
3. USDA Loan (Rural)
0% down, 640 score, rural areas. USDA lenders approve income-qualified buyers!
✓ No down payment ✓ Low rates ✓ Income limits apply
4. Conventional 97 (3% Down)
3% down, 620 score. Compare conventional lenders for best rates!
✓ Low down payment ✓ Cancel PMI at 80% LTV ✓ Flexible
5. State Programs (Grants)
$5K-$15K grants, varies by state. Check state programs for free money!
✓ Down payment assistance ✓ Closing cost help ✓ Free grants
💡 Which Program is Best?
Compare all programs to find your best option!
Compare First-Time Buyer Programs →❓ FAQ
🏠 Ready to Buy Your First Home?
Get pre-approved with first-time buyer programs today!
Compare First-Time Buyer Lenders →✓ 3.5% down FHA ✓ 0% down VA/USDA ✓ State grants ✓ Free quotes