here is low down payment assistance and housing grant programs for people who don't have the cash to make a 20% down payment. Commercial housing programs Most first time buyers use a commercial program to guarantee their mortgage. It is fairly easy to qualify for these programs, but they can be expensive. Private mortgage insurance You can pay an insurance company to insure the mortgage. If you default, they pay the lender the balance of your loan. 80-10-10/75-15-10: Piggy back loans You put 10% down, get one loan for 80% of the purchase price and another loan for 10% at a higher interest rate. Government housing programs There are a number of state and federal affordable housing programs designed to help people make a down payment. Each program has different criteria for eligibility. FHA loans With an FHA loan, you can put as little as 3% down but there are lots of limitations on who qualifies. VA loans If you are a U.S. military veteran you may not have to make a down payment. For a fee, the federal government will guarantee your loan as long as it falls within limits. Other housing options Commercial or government mortgage programs not going to do the trick? There are a number of other loan options available to you buy your new home. Family gift Any gifts or loans from your family need to be documented if you're using them for the down payment. Down Payment Assistance Home buyer assistance housing grant for people accross the nation who need upfront funds for down payment, closing costs, or to pay off debt to purchase a home. Seller and broker financing If you're in a buyer's market, you may be able to borrow from the seller or from your real estate broker. Find a private investor There are investors who might be willing to buy the home with you. Get a house mate If you can stand living with a house mate, the additional income can be helpful. << Back Next Step: Steps to get a loan Information subject to change at any time for any reason Privacy, Licensing and Security, All Rights Reserved

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