Traditionally, the biggest obstacle to buying a home with mortgage financing is obtaining the down payment funds.

In the past, mortgage lenders required at least 20% down. Today, Goverment Insurance programs and Private Mortgage Insurance make low down payments possible. In some instances, local and state agencies will provide down payment assistance in the form of a loan or grant.

How to qualify for a low down payment? -- Do not assume that you can obtain a low down payment loan. Lower down payment loans may require stricter credit and income in your application file.
What makes low down payment possible? -- Low down payment loans are not as easy and common as they seem. Be thankful for low down payment loans.
Can I Obtain a loan or gift for my down payment? -- Several options are available to you including some new innovative programs like the FHA Bridal Registry
What is Down Payment Assistance? -- Local and state agencies may offer down payment assistance programs to help with a down payment for your home. Warning, it takes some extra work.