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 GuideConventional
Skip mortgage insurance entirely with 20% down and solid credit.
Read GuideUSDA
$0 down in eligible rural and suburban areas — open to everyone.
Read GuideVA
$0 down nationwide for veterans and active-duty service members.
Read GuideStart Here
Live guides, ready to read right now.
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Should I Buy a House in 2026?
Still deciding on timing.
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First-Time Homebuyer Programs by State (2026)
Buying for the first time.
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Help With Mortgage 2026
Already a homeowner and struggling with payments.
Find Your State
Rolling out region by region.
Available
Coming soon
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