Talk to a lender specifically about "Down Payment Assistance" programs in your state. To give you the most relevant options, could you tell me: Are you or your spouse military/veterans ? What state or city are you looking to buy in? Is your credit score roughly above or below 620?

If home values drop slightly, you may immediately owe more than the house is worth (negative equity). 🛠️ How to Prepare

Active-duty service members, veterans, and surviving spouses.

Some programs offer annual tax breaks to help offset your mortgage costs. 📉 Low Down Payment Alternatives

Lenders often charge slightly higher rates for zero-down products.

Requires only 3.5% down . Highly flexible with credit scores (as low as 580).