Compared on what each lender publishesMortgage lenders that publish first-time homebuyer programs or low-down-payment options on their own pages, with the minimums they state. Not a quote.
Independent research. Every number is checked against the provider's own page and dated. Some links may earn us a commission, which never changes a ranking. How we make money
A lender is listed here when its own site names a first-time buyer program or a down payment option aimed at first-time buyers. We read that from the lender's page and show the date we checked.
| Mortgage lenders | Min. credit score | Min. down (non-VA) | Loan types | Fees stated | Verified |
|---|---|---|---|---|---|
 | 620 | 3% | Conventional, FHA, VA, Jumbo | Processing fee not published | Oct 14, 2026 |
 | 580 | 1% | Conventional, FHA, VA, Jumbo | Applying is free; fee not published | Oct 14, 2026 |
 | See terms | 3% | Conventional, FHA, VA, Jumbo | $1,495 origination fee | Oct 14, 2026 |
 | See terms | 3% | Conventional, FHA, VA, Jumbo | Fee amounts not published | Oct 14, 2026 |
Each date is when we last checked the provider's own page. Rates and terms can change, so confirm with the provider before you apply.
Big-bank lender with 3% down, FHA, VA and jumbo loans to $9.5 million, plus homebuyer grants in eligible areas
Chase Homebuyer Grant of $2,500 or $5,000 in eligible census tracts; DreaMaker 3% down; Standard Agency 3% down; Homebuyer Advantage conditional approval letter
Online lender with FHA, VA and jumbo loans, 1% down on ONE+, and a published rate table with its assumptions
ONE+ by Rocket Mortgage (1% down, Rocket adds 2% up to $7,000; income at or below 80% of area median, loans up to $350,000), HomeReady, Home Possible, FHA
Online bank mortgages with 3% down for first-time buyers, a published $1,495 origination fee and a 90-day rate lock
3% down conventional for qualifying first-time buyers; up to $9,500 cash back through HomeStory Rewards, a third-party service
National bank with 3% down programs, FHA and VA loans, jumbo loans, and down payment grants in select markets
Down Payment Grant (up to 3% of the price, up to $10,000, select markets; you must be a first-time homebuyer with no homeownership in the past three years); America's Home Grant (lender credit up to $7,500 toward closing costs or to buy down the rate); Affordable Loan Solution (3% down, income limits, mortgage insurance required)
A lender is listed here when its own site names a first-time buyer program or a down payment option aimed at first-time buyers. We read that from the lender's page and show the date we checked.
No. The list shows what each lender publishes about its own loans. Whether you qualify, and on what terms, depends on your credit, income, debts, down payment, the property and the state, and it is decided by the lender after you apply. We are not a lender and cannot approve or quote you.
Each lender's figures were read from its own website and carry the date we checked them (most recently October 14, 2026). Lenders change their minimums and products without notice, so confirm the current terms with the lender before you rely on them.
