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Government-backed home loans and mortgage assistance

If you are looking to buy a home, a government-backed home loan or a mortgage assistance program could help.


The federal government does not offer grants or "free money" to individuals to buy a home. Websites and ads claiming to offer "free money from the government" are often scams.

FHA loans

The Federal Housing Administration (FHA) manages the FHA loan program. It helps buyers by insuring their loans so lenders can give them lower down payments and closing costs.

See how FHA loans can help first-time homebuyers, seniors, and mobile home buyers.

FHA loan eligibility

In general, your credit score does not need to be high. But the home must be within FHA loan limits depending on its location.

You must qualify for a loan with an FHA-approved lender.

Find an FHA-approved lender

Visit the Housing and Urban Development (HUD) website to search for an FHA-approved lender.

State home buyer assistance programs

Find and contact your state housing finance agency for advice and information about special programs in your state.

Home buying help for special groups

LAST UPDATED: December 15, 2023


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