: Participation is optional for local Public Housing Agencies (PHAs); you must check with your local PHA to see if they offer it.

The U.S. Department of Housing and Urban Development (HUD) provides several pathways for homebuyers to receive financial and technical assistance, primarily targeting low-to-moderate income individuals and first-time buyers.

: The Federal Housing Administration (FHA) , part of HUD, provides mortgage insurance on loans made by FHA-approved lenders. These loans typically feature lower down payments (as low as 3.5%) and more flexible credit requirements than conventional loans.

: In certain areas, you may be able to purchase a HUD-owned home (a property foreclosed on an FHA-insured mortgage) with a down payment of only $100 if you use FHA financing. How to Access Assistance Housing Counseling Services - HUD