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First-Time Buyer Programs Available Now

Your First Home is
Closer Than You Think.

Millions of renters qualify to buy right now — and don't even know it. In 60 seconds, find out what programs you qualify for and how little you actually need to get started.

No Credit Impact
Results in 60 Seconds
3% Down Programs
8,200+
New Homeowners Helped
$0
Cost to Apply
3.5%
Min. Down Payment (FHA)

Find Your Home Loan

Free match — no credit check, no obligation

1
Housing
2
Monthly Rent
3
Credit
4
Budget
5
Contact

Are you currently renting?

What's your monthly rent (or what would you pay)?

What's your credit score range?

FHA programs start at 580 — we'll still find options for you.

What's your estimated purchase budget?

Almost there — where should we send your results?

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No Impact on Credit Score
4.8/5 from 8,200+ New Homeowners
100% Secure & Private
Programs Starting at 3% Down
Family with new home keys
First-Time Buyer Programs

You Qualify for More
Than You Think

Most renters believe they need 20% down and perfect credit to buy a home. That's simply not true. Dozens of programs exist specifically for people in your situation.

  • FHA loans — as little as 3.5% down with 580+ credit
  • Conventional programs — 3% down with Fannie Mae & Freddie Mac
  • USDA loans — 0% down for eligible rural areas
  • State grants that can cover your entire down payment
  • Down payment assistance for income-qualified buyers
Check My Eligibility — Free
The Real Cost of Renting

Every Month You Rent,
Someone Else Gets Richer

Your landlord's mortgage gets paid by you. Their property gains equity. You get nothing. Here's what that actually looks like.

Renting
$1,500
per month → gone forever
Equity you're building
$0 — Zero. Zilch. Nothing.
  • $18,000/year straight to your landlord
  • Rent increases every year — you can't control it
  • You can be forced to move at any time
  • No tax deductions on rent payments
  • Building someone else's retirement, not yours
$0 Net Worth Built
After 5 years of renting
VS
Owning
$1,500
per month → equity you keep
Equity you're building
Growing every single month ✓
  • $1,100+/mo goes toward equity you own
  • Fixed payment — same amount for 30 years
  • Nobody can raise your rate or force you out
  • Mortgage interest is often tax deductible
  • Building generational wealth for your family
~$52,000+ Built
In equity after 5 years (est. avg. appreciation)
Year 1You: $0 equity
Landlord: $18K richer
→
Year 3You: $0 equity
Landlord: $54K richer
→
Year 5You: $0 equity
Landlord: $90K+ richer
→
When does it stop?It stops when YOU buy.

You may need less than you think to get started

Many first-time buyers close with 3–5% down — some programs offer down payment assistance on top of that.

See What I Qualify For →
House keys in door
Simple 3-Step Process

From Renter to Homeowner
Faster Than You Think

No confusing paperwork. No pushy calls. Just a clear path to your first home.

  • Answer a few quick questions — takes less than 60 seconds
  • Get instantly matched with FHA, USDA, and down payment assistance programs
  • A specialist calls or texts you within minutes with real numbers
  • Many first-time buyers close in as little as 30–45 days
  • No obligation, no pressure — ever
Start My Match — It's Free
Simple 3-Step Process

From Renter to Homeowner
Faster Than You Think

No confusing paperwork. No pushy calls. Just a clear path to your first home.

1

Tell Us About Your Situation

Answer a few quick questions — your income, credit range, and what you're looking for. Takes less than 60 seconds.

2

Get Matched with Programs

Our system instantly matches you with FHA loans, down payment assistance, first-time buyer grants, and low-rate conventional options.

3

Move In Sooner Than You Think

A specialist calls or texts you within minutes with real numbers — what you qualify for, your estimated payment, and how to get started.

Success Stories

Real Renters. Real Homeowners.

These people thought they couldn't afford to buy. They were wrong.

★★★★★

"I was paying $1,800/month in rent and just assumed I'd never qualify to buy. I was completely wrong. FiscalGenie matched me with an FHA program and I closed on a 3-bedroom home with just $7,200 down. My mortgage is actually $200 less than my rent was!"

MR
Marcus R.
Columbus, OH • First-Time Buyer
★★★★★

"I thought I needed at least 20% down and perfect credit. The specialist showed me programs I had no idea existed — including a state grant that covered my entire down payment. I'm a homeowner now at 28. I cried when I got the keys."

DS
Destiny S.
Atlanta, GA • Moved in 47 Days
★★★★★

"My credit was 661 and I'd been told no by two banks already. FiscalGenie found a lender who worked with my score and I got approved in 2 days. I honestly didn't believe it was real until I signed at the closing table."

JL
James & Linda K.
Phoenix, AZ • 661 Credit Score at Close
Common Questions

First-Time Buyer FAQs

Honest answers to the questions everyone is afraid to ask.

There are dozens of programs depending on your state and situation. The most common include FHA loans (as low as 3.5% down with a 580+ credit score), conventional loans with 3% down (Fannie Mae HomeReady, Freddie Mac Home Possible), USDA loans for rural areas (0% down), and state Housing Finance Agency grants that can cover your entire down payment.
The old myth of "20% down" is just that — a myth. FHA loans require as little as 3.5% down. Conventional programs go as low as 3%. USDA and VA loans offer 0% down for qualifying buyers. On a $250,000 home, 3.5% is just $8,750 — and many state programs offer grants or forgivable loans to cover even that.
An FHA loan is a mortgage backed by the Federal Housing Administration — designed specifically for first-time and low-to-moderate income buyers. You may qualify with a credit score as low as 580, a debt-to-income ratio up to 50%, and a down payment as low as 3.5%.
Most conventional loans want DTI under 45%, but FHA allows up to 50% in many cases. If your DTI is high, there are still options — some lenders specialize in high-DTI borrowers. Even if you're not ready today, a specialist can give you a clear roadmap to get there — often in 6–12 months.

Your Landlord Is Counting On You
To Never Check If You Qualify

Don't let another year of rent go by. It takes 60 seconds to find out what you qualify for — and it doesn't cost you a thing.

Check My Eligibility Now — Free

No credit check • No obligation • No spam.