Federal Housing Administration (FHA) Loans:

• Low down payment requirements.
• Flexible credit score criteria.

Department of Veterans Affairs (VA) Loans:

• Exclusive to eligible veterans, active-duty military members, and surviving spouses.
• Often offer favorable terms, including no down payment.

USDA Rural Development Loans:

• Designed for eligible rural and suburban homebuyers.
• No down payment required.

State and Local Programs:

• Many states and local governments offer assistance programs for first responders.
• These may include down payment assistance, low-interest loans, or grants.

Good Neighbor Next Door Program:

• HUD-sponsored program for eligible law enforcement officers, teachers, firefighters, and emergency medical technicians.
• Offers a significant discount (50%) on the list price of a home in designated revitalization areas.

Heroes Earning Assistance and Relief Tax Act (HEART):

• Various states have implemented HEART programs providing financial assistance to first responders.
• Can include down payment assistance, low-interest loans, or other financial benefits.

Employer-Sponsored Programs:

• Some first responder employers may partner with lenders to offer specific home loan benefits or assistance.