When you put down less than 20%, lenders typically require to protect themselves if you default.
Multiple government-backed and conventional programs cater to buyers with limited upfront cash: buying a house with low down payment
Buying a home with a low down payment is a viable path to homeownership that moves many buyers away from the traditional 20% requirement. In 2025, the median down payment for first-time buyers was approximately , with many options available as low as 0% to 3.5% . Popular Low and No Down Payment Loan Options When you put down less than 20%, lenders
: Insured by the Federal Housing Administration (FHA) , these require as little as 3.5% down for those with a credit score of 580 or higher. buying a house with low down payment