Things To Know When Buying First Home -

: Most popular; requires a 620+ credit score and as little as 3% down for first-time buyers.

: Many state and local programs offer grants or low-interest loans to help with upfront costs. Upfront & Ongoing Costs things to know when buying first home

First-time buyers in 2026 have several loan paths, each with specific requirements: : Most popular; requires a 620+ credit score

: Ideal for lower credit (580+) or smaller down payments (3.5%); however, these require permanent mortgage insurance (PMI). : Most popular