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Purchase Loan Programs in the USA

There are 275 mortgage programs available for purchasing a home in the USA. Sign up to get your personalized mortgage review, which includes the options that best fit your unique scenario and the ability to compare different loan programs to find the perfect match.

Looking for just the purchase home loan programs in USA that fit your unique situation? Start your free personalized mortgage review by clicking here.

Popular Purchase Loan Programs

Check out the most popular purchase loan programs in USA

Conventional Purchase Loan
Most Popular

Best For: Flexible Terms, Lowest Rates, Savvy Investors

Learn More

Meet the most popular mortgage program. Flexible financing offering a wide range of attractive benefits to qualified homebuyers across the US.

Min. Credit Score

620

Min. Down Payment

5%

Max. Loan Amount

$726,200

FHA Purchase Loan
Most Popular

Best For: First Time Homebuyers, Low Credit Scores, Lowest Rates, Easy Qualification

Learn More

Low down payment requirements, easier qualification guidelines, lower rates, and flexible terms for first time homebuyers and beyond.

Min. Credit Score

580

Min. Down Payment

3.5%

Max. Loan Amount

$472,030

To see more loan optionsnow!
  • Purchase

Purchase Options for Purchasing a Home

We searched our national mortgage database to find all of the purchase home loan options for Purchase available in USA:

Conventional Purchase Loan

Best For: Flexible Terms, Lowest Rates, Savvy Investors

Learn More

Meet the most popular mortgage program. Flexible financing offering a wide range of attractive benefits to qualified homebuyers across the US.

Min. Credit Score

620

Min. Down Payment

5%

Max. Loan Amount

$726,200

FHA Purchase Loan

Best For: First Time Homebuyers, Low Credit Scores, Lowest Rates, Easy Qualification

Learn More

Low down payment requirements, easier qualification guidelines, lower rates, and flexible terms for first time homebuyers and beyond.

Min. Credit Score

580

Min. Down Payment

3.5%

Max. Loan Amount

$472,030

VA Purchase Loan

Best For: Lowest Rates, Zero Down

Learn More

VA purchase loan program with no down payment requirement, competitive interest rates, limited closing costs, and no private mortgage insurance.

Min. Credit Score

580

Min. Down Payment

0%

Max. Loan Amount

$726,200

HomeReady® Purchase Loan

Best For: First Time Homebuyers, Low Down Payments

Learn More

Competitive pricing, affordable mortgage insurance and flexible qualification for buying a home with limited income and funds.

Min. Credit Score

620

Min. Down Payment

3%

Max. Loan Amount

$726,200

HomeOne® Purchase Loan

Best For: First Time Homebuyers, Easy Process

Learn More

A low down payment solution to help first time homebuyers with limited savings take advantage of the benefits of a conventional loan program.

Min. Credit Score

620

Min. Down Payment

3%

Max. Loan Amount

$726,200

Load More…

Special Programs for Purchase

These additional loan programs available in USA may provide help for down payment and closing costs, qualification for borrowers who don't fit the traditional mold, and unique portfolio programs for special situations.

Utah Housing FHA Purchase Loan

Best For: First Time Homebuyers, Low Credit Scores

Learn More

FHA program for Utah residents seeking down payment assistance, offered by the Utah Housing Corporation (UHC).

Min. Credit Score

620

Min. Down Payment

3.5%

Max. Loan Amount

$472,030

TSAHC FHA Purchase Loan

Best For: First Time Homebuyers, Low Credit Scores

Learn More

FHA program for Texas residents seeking down payment assistance, offered by the Texas State Affordable Housing Corporation (TSAHC).

Min. Credit Score

620

Min. Down Payment

3.5%

Max. Loan Amount

$472,030 - $571,550

FHA 203(k) Standard Renovation Loan

Best For: First Time Homebuyers, Low Down Payments, Home Renovations

Learn More

The FHA 203(k) Standard allows borrowers to purchase a home and include for the cost of renovations in the loan, with as little as 3.5% down payment.

Min. Credit Score

620

Min. Down Payment

3.5%

Max. Loan Amount

$472,030 - $1,089,300

Up to 50% of Price or ValueYour Estimated Renovation Fund

HomeStyle® Renovation Purchase Loan

Best For: High Credit Scores, Home Renovations

Learn More

HomeStyle® allows for the renovation budget to be financed into the loan, allowing homebuyers to turn their house into their dream home.

Min. Credit Score

620

Min. Down Payment

3%

Max. Loan Amount

$726,200

Up to 75% of Price or ValueYour Estimated Renovation Fund

CHOICERenovation® Purchase Loan

Best For: Savvy Investors, Home Renovations

Learn More

Include for home improvements and repairs in your conventional loan this convenient and flexible program for renovations from Freddie Mac.

Min. Credit Score

620

Min. Down Payment

3%

Max. Loan Amount

$726,200

Up to 75% of Price or ValueYour Estimated Renovation Fund

Load More…

* Some loan programs may not be offered by all featured lenders of ReviewMyMortgage.com and qualification guidelines may vary between them. Our team makes their best effort to keep loan program information up to date. Loan programs may change without warning. ReviewMyMortgage.com does not guarantee or offer any loan products. ReviewMyMortgage.com is strictly an educational resource hub for consumers.

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