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First-time buyers in 2026 have several loan paths, each with specific requirements:
: Ideal for lower credit (580+) or smaller down payments (3.5%); however, these require permanent mortgage insurance (PMI). things to know when buying first home
: 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,
Beyond the purchase price, you must budget for several additional expenses: 7 Tips for First-Time Homebuyers - DFPI things to know when buying first home
: Many state and local programs offer grants or low-interest loans to help with upfront costs. Upfront & Ongoing Costs
: Zero down payment options for eligible veterans or buyers in designated rural/suburban areas.
First-time buyers in 2026 have several loan paths, each with specific requirements:
: Ideal for lower credit (580+) or smaller down payments (3.5%); however, these require permanent mortgage insurance (PMI).
: Most popular; requires a 620+ credit score and as little as 3% down for first-time buyers.
Beyond the purchase price, you must budget for several additional expenses: 7 Tips for First-Time Homebuyers - DFPI
: Many state and local programs offer grants or low-interest loans to help with upfront costs. Upfront & Ongoing Costs
: Zero down payment options for eligible veterans or buyers in designated rural/suburban areas.
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