Government-backed mortgages insured by HUD that let qualified buyers purchase a home with lower down payments (as low as ~3.5%) and more flexible credit requirements than many conventional loans. These are widely used by first-time and moderate-income buyers.

Offered by the U.S. Department of Agriculture, these programs help low- and moderate-income borrowers buy homes in eligible rural areas. They include:
• Direct Loans: 100% financing with payment assistance to make monthly payments affordable.
• Guaranteed Loans: USDA guarantees loans made by private lenders, often with no down payment.

(Not a housing voucher) These loans are backed by the U.S. Department of Veterans Affairs and allow qualifying veterans, service members, and surviving spouses to buy homes with little or no down payment and competitive financing terms - making homeownership more achievable. (Not in search, but standard federal program)

Administered by HUD, this program guarantees loans for American Indian and Alaska Native individuals, tribes, and tribal entities. It offers:
• Low down payment requirements (as low as ~2.25%)
• Flexible underwriting
• Ability to buy, build, or rehabilitate a home on or off tribal lands.

Federal grants (through the Assets for Independence program) help eligible low-income individuals open matched savings accounts to save toward a home purchase (down payment and closing costs). These accounts match a portion of what you save, helping build the needed funds.