A House With Less Than 20 Down: Buying

: Backed by the Federal Housing Administration, these require only 3.5% down and are more flexible for those with lower credit scores (minimum 580).

Lenders offer several programs designed for buyers who cannot or choose not to meet the 20% threshold: buying a house with less than 20 down

: Available to eligible veterans and service members, these often require 0% down and no monthly mortgage insurance. : Backed by the Federal Housing Administration, these

: Aimed at rural and suburban homebuyers with low-to-moderate incomes, these also offer 0% down . The Role of Mortgage Insurance you must pay .

If you put down less than 20% on a conventional loan, you must pay .