If you want to buy a home, a government-backed home loan or a mortgage assistance program could help. Learn about the types of loans and how to qualify and apply.
Important
The federal government does not offer grants or "free money" to individuals to buy a home. Websites and ads claiming to offer "free money from the government" are often scams.
FHA loans
The Federal Housing Administration (FHA) manages the FHA loan program. It helps homebuyers by insuring their loans so lenders can offer lower down payments and closing costs.
FHA loans offer assistance to first-time homebuyers, seniors who partially or fully own their home, and those buying a manufactured or mobile home.
Find out how FHA loans can help you.
FHA loan eligibility
To qualify for an FHA loan:
- You must have a credit score. FHA loans have a lower credit score requirement than most home loans.
- Find a home that falls within FHA loan limits. These limits depend on the home’s location.
- Apply for a loan with an FHA-approved lender.
- If you need help, contact the FHA Resource Center.
Find an FHA-approved lender
If you want to apply for an FHA loan, visit the Housing and Urban Development (HUD) website to:
State homebuyer assistance programs
Find and contact your state housing finance agency (HFA) to learn about local homebuyer assistance programs.
Home buying help for specific groups
LAST UPDATED: September 7, 2024
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