: A specialized mortgage product specifically for American Indian and Alaska Native families, tribes, or housing authorities. 2. General Eligibility and Requirements

While specific criteria vary by program, most HUD-funded assistance follows these general standards:

: Managed by HUD, these loans are popular for first-time buyers because they require lower down payments (as low as 3.5%) and more flexible credit scores than traditional loans.

This report provides an overview of home buying assistance programs available through the and its partners . As of 2026, HUD does not provide direct grants to individuals; instead, it funds local agencies and offers specialized loan programs to increase homeownership affordability. 1. Key HUD Home Buying Assistance Programs

: HUD provides grants to state and local governments (Participating Jurisdictions) to fund homeownership activities. This often includes down payment and closing cost assistance for low-income buyers.