The standard for FHA loans , which are popular if your credit score is a bit lower.
Many Conventional loans offer a 3% path for first-time buyers with strong credit.
Check your local state or city housing authority. Many offer that cover your down payment if you meet certain income requirements.
You can buy a home with as little as depending on the loan program. While 20% is great for avoiding extra fees, most first-time buyers average around 6% to 7% . 💰 Down Payment Options
Available through VA loans (for veterans/service members) or USDA loans (for specific rural areas).