: Many allow as little as 3% down for first-time buyers.

: Aimed at rural and suburban homebuyers with low-to-moderate incomes, these also offer 0% down . The Role of Mortgage Insurance

: Usually ranges from 0.5% to 1.5% of the loan amount annually, added to your monthly payment.

: Available to eligible veterans and service members, these often require 0% down and no monthly mortgage insurance.