As low as 3.5% for those with a credit score of 580 or higher .

You may qualify with a score as low as 500 , though this requires a 10% down payment.

The offers arguably the most powerful mortgage benefits, reserved for veterans, active-duty service members, and eligible surviving spouses. FHA Loan Requirements in 2026

You must pay an upfront Mortgage Insurance Premium (MIP) and monthly premiums, typically for the life of the loan. 2. VA Loans: The Military Benefit

Insured by the , these loans are the go-to for buyers with limited savings or lower credit scores.

For 2026, single-family limits range from $541,287 in low-cost areas to $1,249,125 in high-cost regions.