FHA & First-Time Buyers

FHA and conventional loans both help you buy with less than 20% down. Here's how they compare in 2026 on credit, down payment, mortgage insurance, and total cost.

FHA loans open the door with as little as 3.5% down and a 580 credit score. Here are the full 2026 FHA requirements — credit, down payment, DTI, MIP, and limits.

Buying your first home is really a series of clear, manageable steps. Here's the whole first-time buyer process — from budgeting to keys in hand — explained simply.

The 20% down payment is a myth for most buyers. Here's what you actually need in 2026 — from 0% VA and USDA to 3% conventional and 3.5% FHA — plus assistance options.

State down-payment assistance can cover much of your cash to close. Here's how WSHFC, Idaho Housing, Virginia Housing, and Texas TDHCA and TSAHC work in 2026.