: 3.5% if your credit score is 580 or higher; 10% for scores between 500–579.
: FHA loan limits in 2026 increased in most counties, providing up to $40,000 more in purchasing power. VA Loans (Department of Veterans Affairs) : programs to help buy a home
Most states operate housing finance agencies that provide grants or "silent" second mortgages to help with down payments. Apply for the Georgia Dream Homeownership Program providing up to $40