Skip to main content

Help Buying a New Home

Help us build the next

Check out the new version of this page on our future website. We want to know what you think.

Programs to Help You Pay for a Home

The Department of Housing and Urban Development (HUD) and other federal agencies offer a variety of programs that may be able to help you purchase a home if you qualify for assistance:

FHA Loans for First-Time Homebuyers

  • The Federal Housing Administration (FHA), part of HUD, insures mortgages, making it easier for potential homeowners to afford loans. FHA also offers HUD homes for sale. Learn more about FHA Loans.

Homeownership Vouchers

Indian Home Loan Guarantee Program

Programs for Service Members and Veterans

Programs for Rural Residents

State Programs

In addition to all the programs, HUD funds approved housing counseling agencies throughout the country that can provide advice on many housing-related topics, including buying a home. Use this map to find one in your state.

Foreclosure Properties 

If you are interested in a foreclosure-related property, reach out to a licensed real estate agent who will be able to advise you on when the property may be available for purchase.

FHA Loans and HUD Homes

If you’re a homebuyer, the Department of Housing and Urban Development (HUD) has two programs that may help make the process more affordable.

FHA Loans 

The Federal Housing Administration (FHA) manages the FHA loans program. This may be a good mortgage choice if you’re a first-time buyer because the requirements are not as strict as for other loans. The down payment and closing costs are low.

Am I eligible for an FHA loan? 

How do I apply for an FHA loan? 

The FHA doesn't lend money to people. It insures mortgage loans from FHA-approved lenders against default. To apply for an FHA-insured loan, you will need to use an FHA-approved lender. Search for an FHA-approved lender here. 

How do I complain about an FHA loan? 

If you have a complaint about an FHA loan program, contact the FHA Resource Center

HUD Homes 

When homeowners default on their FHA loan, HUD takes ownership of the property, because HUD oversees the FHA loan program. These properties are called either HUD homes or HUD real estate owned (REO) property. 

Am I eligible to buy a HUD home?

Your qualifications to buy a HUD home depend on your credit score, ability to get a mortgage, and the amount of your cash down payment. You can also use an FHA-insured mortgage to buy a HUD home.  

How do I apply for a HUD home?

Use the HUDHomestore to find listings of HUD real estate owned (REO) properties for sale. Click on the agent tab to find contact information to learn more about the property. 

Where do I call for extra help about a HUD home?

If you have a question or need more information about FHA loans or HUD homes, you can:

Homeowner Voucher Program

If you have a low income and need help buying your first home, the Department of Housing and Urban Development (HUD) Housing Choice Voucher homeownership program may be able to help. 

Housing Choice Voucher Eligibility

You must: 

  • Be a first-time buyer as defined by HUD

  • Meet a minimum income requirement set by the local public housing authority (PHA)

  • Have at least one adult working full-time and for at least one year

  • Complete homeownership and housing counseling program

How to Apply for a Housing Choice Voucher

Contact your local PHA. If it does not offer a homeownership program, you can contact HUD’s PIH Customer Service Center.

How to File a Housing-Related Complaint

More Information About Housing Choice Vouchers

  • If you have sold your home, you will not be able to use the program for your next purchase. Housing Choice Vouchers are for first-time buyers.

  • You are not required to work with a specific real estate agent or any specific lender when getting a home loan.

Share This Page:

Do you have a question?

Ask a real person any government-related question for free. They'll get you the answer or let you know where to find it.

Last Updated: June 16, 2022