Need Help Buying A Home?

Purchasing a home is a significant step. We’re here to guide you through government programs designed to help you own a home. From federal loans to state and local initiatives, let’s explore your options together.

Find the right option for you

FHA Loans

Good for: First-time homebuyers and low-credit individuals

Low down payment required (3.5% minimum)
Flexible credit requirements
Government-backed by the Federal Housing Administration

VA Loans

Good for: Veterans, active-duty service members

Low down payment required (3.5% minimum)
Flexible credit requirements
Government-backed by the Federal Housing Administration

USDA Loans

Good for: Low-income individuals in rural area

No down payment required
Income limits apply
Government-backed by the U.S. Department of Agriculture

Good Neighbor Next Door

Good for: eligible public servants

50% discount on home price
Must commit to living in the property for at least 36 months
Properties listed only in revitalization areas

First-Time Homeownership Vouchers

Good for: Low-income individuals

Provided by HUD for low-income first-time homebuyers
Helps cover monthly mortgage payments and other homeownership expenses
Applicants must meet income requirements and complete homeownership education

Real Estate and Federal Lands for Sale

Good for: Good for: Individuals and investors

Surplus federal real estate and land to the public
Includes residential homes and commercial buildings
Sales conducted through auctions, brokers, or direct sales

Local and State Assistance Just a Phone Call Away

Beyond federal programs, your local and state governments may offer additional supports like down payment assistance and tax incentives. Explore what benefits your community has in store.

Find Your Local Public Housing Agency (PHA)

Utilize our easy-to-use directory below to assist you in finding your local PHA offices across the United States. Select your state from the interactive map to find the address and contact details of your local PHA office: