Federal Home Buying Programs May 2026

As low as 3.5% for those with a credit score of 580 or higher .

You must pay an upfront Mortgage Insurance Premium (MIP) and monthly premiums, typically for the life of the loan. 2. VA Loans: The Military Benefit federal home buying programs

For 2026, single-family limits range from $541,287 in low-cost areas to $1,249,125 in high-cost regions. As low as 3

You may qualify with a score as low as 500 , though this requires a 10% down payment. single-family limits range from $541