First-Time Home Buyer Programs

The government offers numerous mortgage programs designed to help first-time home buyers. Programs include the FHA mortgage program, the VA home loan program, the mortgage credit certificate program, the down payment assistance program, closing cost assistance grants and individual development accounts. These programs allow individuals to purchase a home with a low down payment or help pay for mortgage closing costs to make buying a home more affordable.  Use the navigation menu on the left side of the page or click below to learn more about a wide range of government-backed mortgage programs and to understand how these programs can work for you.

About the author
Harry Jensen, Mortgage Expert

Harry is the co-founder of FREEandCLEAR. He is a mortgage expert with over 45 years of industry experience. Over his career, Harry has closed thousands of loans for satisfied borrowers and now offers his advice and insights on FREEandCLEAR.  Harry is a licensed mortgage professional (NMLS #236752). More about Harry

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