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USA Mortgage Solutions

Loan Programs

First-Time Buyer

First-time buyer programs combine low-down-payment loans, down-payment assistance, and education to help you make the leap into homeownership with confidence.

Key benefits

  • Low- and no-down-payment loan options
  • Down-payment and closing-cost assistance may be available
  • Guidance through every step of the process
  • Programs designed around first-time buyer needs

What you'll need

  • Typically no homeownership in the past three years
  • Income and purchase-price limits may apply to assistance
  • Qualifying credit and income for the underlying loan

Best for

Anyone buying their first home who wants a low-barrier path and hands-on guidance.

This is an estimate for educational purposes only, not a commitment to lend or an offer of credit. Actual rates, payments, and costs depend on your credit, income, property, and loan program.