: Most popular; requires a 620+ credit score and as little as 3% down for first-time buyers.
First-time buyers in 2026 have several loan paths, each with specific requirements: things to know when buying first home
Buying your first home involves balancing your long-term budget with immediate upfront costs. Key financial rules like keeping housing costs below 28% of your gross monthly income can help ensure stability. 🏦 Financing & Mortgage Options : Most popular; requires a 620+ credit score