A Bank of America conventional mortgage with a down payment as low as 3%. It has location-based income and loan limits and requires mortgage insurance.

A conventional loan that lets qualified first-time buyers put down just 3%. Unlike FHA, the mortgage insurance drops off once you build enough equity.

The standard loan not backed by a government agency. Put down 20% and you skip mortgage insurance entirely; put down less and it applies until you build equity.

A fixed-rate CorePlus loan for purchasing or refinancing improved or unimproved non-commercial land in Connecticut or Rhode Island. Loans range from $25,000 to $500,000, require a first lien and no more than 75% LTV, and have terms of 5–20 years plus purchase closing costs that the current disclosure estimates as high as $3,500.

Fannie Mae's affordable 3%-down loan for low-to-moderate-income buyers. It carries cheaper mortgage insurance than a standard conventional loan and counts flexible sources of income.

Unverified imported research — confirm every detail with the official source.

Unverified imported research — confirm every detail with the official source.

Unverified imported research — confirm every detail with the official source.

An FHA loan that folds renovation costs into your mortgage, so you finance the home and the fixes together. It suits move-in-not-ready houses a standard loan won't touch.

Unverified imported research — confirm every detail with the official source.

A government-insured loan built for buyers with a smaller down payment or thinner credit. You trade lasting mortgage insurance for an easier path to qualifying.

Unverified imported research — confirm every detail with the official source.

Unverified imported research — confirm every detail with the official source.

Unverified imported research — confirm every detail with the official source.

A Freddie Mac conventional mortgage for very-low- to moderate-income borrowers with a down payment as low as 3%. Income is generally limited to 80% of the property area’s median income.

A fixed-rate Freddie Mac mortgage for qualified first-time buyers with a down payment as low as 3%. It has no borrower income or geographic restriction, but purchase transactions require at least one first-time buyer.

A mortgage from a HUD-approved lender for an eligible enrolled Native borrower or tribal entity, backed by HUD's Section 184 guarantee. It offers a low down payment and no annual guarantee fee, but requires an eligible area, primary residence, manual underwriting, and a 1% upfront guarantee fee that may be financed.

A Mutual Security Credit Union mortgage for a first-time buyer, or someone who has not owned a home in three years, with 0% down, no PMI, and no published income restriction. It is limited to a primary residence, U.S. citizens or permanent residents, and a maximum $450,000 purchase price.

A Navy Federal 30-year fixed mortgage with a 0% down option and no PMI. Choice loans have disclosed origination and funding-fee terms, and membership and credit approval are required.

A Navy Federal fixed-rate mortgage for eligible servicemembers and veterans who have already used their VA benefit or lack full entitlement. It can offer no down payment and no PMI, but disclosed origination and funding-fee terms apply.

A loan a lender keeps on its own books instead of selling to Fannie Mae or Freddie Mac. That flexibility helps buyers who don't fit standard rules, usually in exchange for a higher rate.

A first mortgage from a state housing finance agency — Maryland, DC, or Virginia here — usually bundled with down payment help. These are the loans behind many of the assistance programs on HomeBase.

A zero-down loan backed by the U.S. Department of Agriculture for buyers in eligible rural and suburban areas. Income limits apply, but the eligible-area map is broader than most people expect.

A USDA-financed mortgage for low- and very-low-income households buying in eligible rural areas. Payment assistance can temporarily reduce the mortgage payment, and applications are accepted through local RD offices year-round subject to funding and demand.

A mortgage from an approved private lender with a 90% USDA loan-note guarantee and up to 100% financing. The home must be a primary residence in an eligible rural area, and income limits apply.

Unverified imported research — confirm every detail with the official source.

A 30-year fixed mortgage made directly by VA for an eligible Native American Veteran, or a qualifying Veteran married to a Native American, on federal trust land. A participating tribal agreement, VA eligibility certificate, occupancy, credit, and income requirements apply.

A mortgage from a private lender that is backed by VA for an eligible servicemember, Veteran, or surviving spouse. It can require no down payment and no monthly mortgage insurance, while lender underwriting, occupancy, entitlement, appraisal, and possible VA funding-fee rules still apply.

A Wells Fargo fixed-rate mortgage with a down payment as low as 3% for eligible consumers at or below 80% of area median income. A lower rate and lower mortgage-insurance premiums may be available, subject to underwriting.