Most states operate housing finance agencies that provide grants or "silent" second mortgages to help with down payments. Apply for the Georgia Dream Homeownership Program
: FHA loan limits in 2026 increased in most counties, providing up to $40,000 more in purchasing power. VA Loans (Department of Veterans Affairs) : programs to help buy a home
Buying a home is more accessible when you leverage federal, state, and local programs designed to lower upfront costs and provide flexible financing. As of early 2026, over 2,600 assistance programs are available nationwide. 1. Federal Government-Backed Loans Most states operate housing finance agencies that provide
: 0% for homes in designated rural and suburban areas. As of early 2026, over 2,600 assistance programs
: First-time buyers or those with lower credit scores.
: No monthly mortgage insurance (PMI) and competitive interest rates. USDA Loans (Department of Agriculture) :