USDA 30 Year Fixed Rate

No down payment/ 100% financing

Middle credit score down to 580 as well as no score

Income limits

Property Eligibility

Loan is a government program designed to meet the needs of people living in small communities, rural areas, and outlying metropolitan areas.

Section 184 Loan

1.25% down for loans under $50,000

2.25% down for loans over $50,000

No middle credit score requirement

Doublewide financing

Must be a member of a federally recognized tribe

Loan is a government program under HUD that is specifically designed for Native Americans.

FHA Loan

3.5% down

Middle credit score down to 580 and no scores

Doublewide financing

Gifts available

Down payment assistance program

Loan is a government tracked mortgage insured by the Federal Housing Administration.

VA Loan

No down payment/100% financing

Middle credit score down to 580 and no scores

Loan is guaranteed by the United States Department of Veteran Affairs. It is for Veterans, Military members currently serving, Reservists, and select surviving spouses.