: No monthly mortgage insurance (PMI) and competitive interest rates. USDA Loans (Department of Agriculture) :

Most states operate housing finance agencies that provide grants or "silent" second mortgages to help with down payments. Apply for the Georgia Dream Homeownership Program

: 3.5% if your credit score is 580 or higher; 10% for scores between 500–579.

: 0% for homes in designated rural and suburban areas.

: 0% for eligible veterans, active-duty members, and surviving spouses.