General Home Loans by State

A clear breakdown of FHA, Conventional, USDA, and VA loans — what each one requires, how much down payment you'll need, and what's available in your state.

4
Major loan types covered
50
States, rolling out now
$0
Down possible with USDA / VA
3.5%
Minimum down with FHA
Pick Your Loan Type
Full breakdowns are live — pick the loan type that fits your situation.

FHA

3.5% down, flexible credit — the go-to for most first-time buyers.

Read Guide

Conventional

Skip mortgage insurance entirely with 20% down and solid credit.

Read Guide

USDA

$0 down in eligible rural and suburban areas — open to everyone.

Read Guide

VA

$0 down nationwide for veterans and active-duty service members.

Read Guide
Start Here
Live guides, ready to read right now.
1
LIVE
How to Buy a Home in the US — Step-by-Step (2026)
New to the process? Start here.
2
LIVE
Should I Buy a House in 2026?
Still deciding on timing.
3
LIVE
First-Time Homebuyer Programs by State (2026)
Buying for the first time.
4
LIVE
Help With Mortgage 2026
Already a homeowner and struggling with payments.
Find Your State
Rolling out region by region.
Available Coming soon

West

South

Midwest

Northeast

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