Looking for just the limited availability home loan programs in USA that fit your unique situation? Start your free personalized mortgage review by clicking here.
Limited Availability Options for Purchasing a Home
We searched our national mortgage program database to find all of the purchase home loan options specific to USA:
Conventional High-Balance Purchase Loan
Best For: Large Loan Amounts, Lowest Rates, Easy Process
Conventional financing option above the conforming limit in designated high cost counties across the United States
Min. Credit Score
620
Min. Down Payment
5%
Max. Loan Amount
$816,500 - $1,149,825
FHA High-Balance Purchase Loan
Best For: Large Loan Amounts, Easy Qualification
FHA financing option for purchasing a home above the government limit in designated high cost counties across the United States.
Min. Credit Score
580
Min. Down Payment
3.5%
Max. Loan Amount
$779,700 - $1,149,825
HomeReady® High-Balance Purchase Loan
Best For: First Time Homebuyers, Large Loan Amounts
HomeReady® financing option above the conforming loan limits in designated high-cost counties across the United States.
Min. Credit Score
620
Min. Down Payment
3%
Max. Loan Amount
$816,500 - $1,149,825
Home Possible® High-Balance Purchase Loan
Best For: First Time Homebuyers, Large Loan Amounts
Low down payment financing above the conforming loan limit with discounted fees for creditworthy low and moderate income borrowers across the US.
Min. Credit Score
620
Min. Down Payment
3%
Max. Loan Amount
$816,500 - $1,149,825
Special Programs for Limited Availability
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.
GSFA Platinum® "Select" Program
Best For: First Time Homebuyers, Zero Down
The GSFA Platinum® "Select" Program provides up to 5% in down payment assistance as a standard second mortgage combined with a gift.
Min. Credit Score
640
Min. Down Payment
0%
Max. Loan Amount
$726,200
Up to 5.00% of 1st Loan Amount Program Benefit Amount
GSFA Platinum® "Assist-to-Own" Program
Best For: First Time Homebuyers, Low Down Payments, Zero Down
GSFA Platinum® "Assist-to-Own" Program provides up to 5.5% in down payment assistance in the form of a deferred payment mortgage combined with a gift.
Min. Credit Score
640
Min. Down Payment
0%
Max. Loan Amount
$726,200
Up to 5.50% of 1st Loan Amount Program Benefit Amount
SETH 5 Star Program
Best For: First Time Homebuyers, Low Credit Scores, Zero Down
The SETH 5 Star Program provides up to 5% down payment and closing cost assistance for your home purchase.
Min. Credit Score
640
Min. Down Payment
0%
Max. Loan Amount
$472,030
Up to 5.00% of 1st Loan Amount Program Benefit Amount
SETH GoldStar Program
Best For: First Time Homebuyers, Low Credit Scores, Zero Down
The SETH GoldStar Program provides up to 7% down payment and closing cost help as a forgivable second mortgage.
Min. Credit Score
640
Min. Down Payment
0%
Max. Loan Amount
$472,030
Up to 7.00% of 1st Loan Amount Program Benefit Amount
Virginia Housing Down Payment Grant - Conventional
Best For: First Time Homebuyers, Zero Down
Virginia Housing's Down Payment Assistance (DPA) grant provides qualified first time homebuyers with up to 2% of the purchase price or value.
Min. Credit Score
640
Min. Down Payment
1%
Max. Loan Amount
$665,000
Up to 2.00% of 1st Loan Amount Program Benefit Amount
* 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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