New to this? Start with the First-Time Buyer Programs below — most people qualify for more help than they think.
Buying your first home usually means less money down than people assume. Here's a quick comparison of the programs most first-time buyers use — talk to us about which one fits your situation.
| Program | Min. down payment | Typical min. credit score | Best for |
|---|---|---|---|
| Conventional 97 | 3% | 620 | Buyers with steady income and decent credit who want to avoid FHA's mortgage insurance rules |
| FHA | 3.5% | 580 | Buyers with limited savings or a shorter credit history |
| CalHFA down payment assistance | as low as 0–3% | 660 | California first-time buyers who qualify for state assistance on the down payment and/or closing costs |
| VA | 0% | 580–620 | Eligible veterans, active-duty service members, and some surviving spouses |
| Doctor & Medical Professional | 0–3% | 680 | Physicians, dentists, residents and other eligible medical professionals |
Figures are general guidelines, not a quote — your actual rate, down payment and eligibility depend on your full financial picture and current program guidelines.
Built for physicians, dentists, pharmacists, nurses, and residents — buy or refinance with little to nothing down and no monthly mortgage insurance.
Purchase or refinance your business space at a low fixed rate, available on applications submitted between March 2 and September 30, 2026.
