Find the best loan programs across all 50 states — multiple programs, rates, down payment & closing cost assistance for first-time buyers with low credit scores
580+
Min Credit Score
0%
Min Down Payment
50
States Covered
$25K+
Assistance Available
Compare all active loan programs sorted by lowest monthly payment. We service all 50 states.
Program
Student Loan Refinance
Monthly Payment
$1,054
Rate
3%
Min Down
0%
| Program | Type | Rate | Monthly | Down % | Min Credit | Assistance | States | Apply |
|---|---|---|---|---|---|---|---|---|
| Student Loan Refinance LOWEST PAYMENT | Other | 3% | $1,054 | 0% | 650 | — | All 50 | |
| Auto Loan | Other | 4% | $1,194 | 0% | 500 | — | All 50 | |
| 15-Year Fixed Rate | 15yr Fixed | 4.875% | $1,323 | 5% | 620 | — | All 50 | |
| USDA Rural Development Loan | USDA | 5.375% | $1,400 | 0% | 640 | Yes | All 50 | |
| USDA Rural Development — Zero Down | USDA | 5.5% | $1,419 | 0% | 640 | Yes | All 50 | |
| VA Zero Down Loan | VA | 5.5% | $1,419 | 0% | 580 | — | All 50 | |
| FHA 5/1 ARM | ARM | 5.5% | $1,419 | 5% | 620 | — | All 50 | |
| Commercial Real Estate Loan | Other | 5.5% | $1,419 | 20% | 680 | — | All 50 | |
| HomeReady Conventional 3% Down | Conventional | 5.75% | $1,459 | 3% | 620 | Yes | All 50 | |
| VA Loan — Zero Down | VA | 5.75% | $1,459 | 0% | 580 | — | All 50 | |
| HomeOne 3% Down First-Time Buyer | Conventional | 5.75% | $1,459 | 3% | 640 | Yes | All 50 | |
| Good Neighbor Next Door | Conventional | 5.75% | $1,459 | 3% | 640 | Yes | All 50 | |
| FHA 30-Year Fixed | 30yr Fixed | 5.875% | $1,479 | 3.5% | 580 | — | All 50 | |
| Jumbo 30-Year Fixed | Jumbo | 5.875% | $1,479 | 10% | 700 | — | All 50 | |
| FHA Loan — 3.5% Down | FHA | 6% | $1,499 | 3.5% | 580 | — | All 50 | |
| National Down Payment Assistance Program | FHA | 6% | $1,499 | 0% | 600 | Yes | All 50 | |
| Equipment Financing | Other | 6% | $1,499 | 0% | 600 | — | All 50 | |
| VA Home Loan 0% Down Veterans | VA | 6% | $1,499 | 0% | 580 | Yes | All 50 | |
| Forgivable Down Payment Grant | FHA | 6% | $1,499 | 0% | 580 | Yes | All 50 | |
| Personal Loan | Other | 6% | $1,499 | 0% | 580 | — | All 50 | |
| Rocket Mortgage 15-Year Fixed Refinance | 15yr Fixed | 6% | $1,499 | 5% | 620 | — | All 50 | |
| Construction Loan | Other | 6% | $1,499 | 20% | 620 | — | All 50 | |
| Rocket Mortgage ONE+ Conventional 3% Down | Conventional | 6.25% | $1,539 | 3% | 620 | Yes | All 50 | |
| Bank of America Community Homeownership 3% Down | Conventional | 6.25% | $1,539 | 3% | 640 | Yes | All 50 | |
| Conventional 97 — 3% Down | Conventional | 6.25% | $1,539 | 3% | 620 | Yes | All 50 | |
| HomeReady by Fannie Mae | Conventional | 6.25% | $1,539 | 3% | 620 | Yes | All 50 | |
| Home Possible by Freddie Mac | Conventional | 6.25% | $1,539 | 3% | 620 | Yes | All 50 | |
| USDA Rural Development 0% Down | USDA | 6.25% | $1,539 | 0% | 640 | Yes | All 50 | |
| Freddie Mac HFA Advantage 3% Down | Conventional | 6.25% | $1,539 | 3% | 660 | Yes | All 50 | |
| Chase Jumbo 30-Year Fixed | Jumbo | 6.25% | $1,539 | 10% | 700 | — | All 50 | |
| Chase Neighborhood Lending 3% Down | Conventional | 6.25% | $1,539 | 3% | 640 | Yes | All 50 | |
| SBA 504 Loan | Other | 6.5% | $1,580 | 10% | 660 | — | All 50 | |
| Wells Fargo YourFirst Mortgage 3% Down | Conventional | 6.5% | $1,580 | 3% | 640 | Yes | All 50 | |
| Citi HomeRun 3% Down Conventional | Conventional | 6.5% | $1,580 | 3% | 620 | Yes | All 50 | |
| HomeOne by Fannie Mae | Conventional | 6.5% | $1,580 | 3% | 620 | Yes | All 50 | |
| Rocket Mortgage FHA 3.5% Down | FHA | 6.5% | $1,580 | 3.5% | 580 | — | All 50 | |
| DSCR Rental Loan | Rental | 6.5% | $1,580 | 20% | 620 | — | All 50 | |
| Better.com One Day Mortgage 3% Down | Conventional | 6.5% | $1,580 | 3% | 620 | Yes | All 50 | |
| Navy Federal HomeBuyers Choice 0% Down | Conventional | 6.5% | $1,580 | 0% | 620 | — | All 50 | |
| Fannie Mae HomeStyle Renovation 5% Down | Conventional | 6.5% | $1,580 | 3% | 620 | Yes | All 50 | |
| PNC Bank Community 3% Down | Conventional | 6.5% | $1,580 | 3% | 620 | Yes | All 50 | |
| U.S. Bank American Dream 3% Down | Conventional | 6.5% | $1,580 | 3% | 640 | Yes | All 50 | |
| Chase DreaMaker 3% Down Conventional | FHA | 6.75% | $1,621 | 3.5% | 580 | Yes | All 50 | |
| Freddie Mac Home Possible 3% Down | Conventional | 6.75% | $1,621 | 3% | 620 | Yes | All 50 | |
| Fannie Mae HomeReady 3% Down | Conventional | 6.75% | $1,621 | 3% | 620 | — | All 50 | |
| LendingTree Marketplace 5% Down | Conventional | 6.75% | $1,621 | 5% | 620 | — | All 50 | |
| Caliber FHA Streamline | FHA | — | $1,663 | 3.5% | 580 | — | All 50 | |
| Conventional 97 - 3% Down | Conventional | — | $1,663 | 3% | 680 | — | All 50 | |
| BRRRR Refinance Loan | Bridge | — | $1,663 | 15% | 640 | — | All 50 | |
| Lima One Fix & Flip | Hard Money | — | $1,663 | 10% | 660 | — | All 50 | |
| Chase Jumbo Loan | Jumbo | — | $1,663 | 15% | 720 | — | All 50 | |
| Visio DSCR Rental Loan | Rental | — | $1,663 | 20% | 660 | — | All 50 | |
| LendingOne Rental Loan | Hard Money | — | $1,663 | 25% | 600 | — | All 50 | |
| Rocket FHA 203k Rehab | FHA | — | $1,663 | 3.5% | 580 | — | All 50 | |
| Bank of America Affordable Loan | 30yr Fixed | — | $1,663 | 3% | 620 | — | All 50 | |
| loanDepot Conventional | 30yr Fixed | — | $1,663 | 3% | 620 | — | All 50 | |
| Carrington Flexible Credit FHA | FHA | — | $1,663 | 10% | 500 | — | All 50 | |
| Wells Fargo VA Loan | VA | — | $1,663 | 0% | 600 | — | All 50 | |
| Rocket Jumbo Loan | Jumbo | — | $1,663 | 10% | 700 | — | All 50 | |
| Better.com Conventional | 30yr Fixed | — | $1,663 | 3% | 620 | — | All 50 | |
| Guaranteed Rate Conventional | 30yr Fixed | — | $1,663 | 3% | 620 | — | All 50 | |
| Debt Consolidation Loan | Other | 7% | $1,663 | 0% | 580 | — | All 50 | |
| Medical Practice Loan | Other | 7% | $1,663 | 10% | 680 | — | All 50 | |
| SBA Microloan | Other | 8% | $1,834 | 0% | 580 | — | All 50 | |
| Business Line of Credit | Other | 8% | $1,834 | 0% | 600 | — | All 50 | |
| Restaurant Business Loan | Other | 8% | $1,834 | 15% | 600 | — | All 50 | |
| Franchise Startup Loan | Other | 8% | $1,834 | 15% | 680 | — | All 50 | |
| SBA 7(a) Loan | Other | 8.5% | $1,922 | 10% | 640 | — | All 50 | |
| SBA Express Loan | Other | 9% | $2,012 | 10% | 640 | — | All 50 | |
| Hard Money Bridge Loan | Hard Money | 9% | $2,012 | 15% | 550 | — | All 50 | |
| Fix and Flip Loan | Hard Money | 10% | $2,194 | 10% | 550 | — | All 50 | |
| Startup Business Loan | Other | 10% | $2,194 | 0% | 580 | — | All 50 | |
| Merchant Cash Advance (MCA) | Other | 15% | $3,161 | 0% | 500 | — | All 50 |