Summary
In the U.S., home prices have been rising, making it tough for people to buy houses. Several programs will be available in 2026 to help homebuyers, including loans for low-income families, veterans, and those in rural areas. These programs aim to make it easier for people to afford homes by lowering down payments and offering better loan terms.
Key Facts
- Home prices in the U.S. have increased, with the median monthly homeownership cost rising by 26% since 2019.
- As of 2025, the U.S. homeownership rate dropped to 65%, the lowest since 2019.
- FHA loans offer low down payments for those with low income or poor credit.
- VA loans allow eligible veterans and active-duty service members to buy homes with no down payment.
- USDA loans offer zero down payments for eligible buyers in rural areas.
- HomeReady and Home Possible programs provide low down payments and flexible requirements for low- to moderate-income buyers.
- State and local HFA programs can offer assistance through grants or special loans.
