The FHA can help you buy a mobile home. Two loan types exist: one for homes located in mobile home parks and the other for homes that will be located on land owned by the mobile home owner.

You should take a few minutes to verify your state HUD programs. HUD's housing program requirements, can sometimes vary from state to state. Government home grants can sometimes be found in state programs.

Eligible veterans can obtain a guaranteed home mortgage with no down payment by the VA Department. You will need to provide proof of your eligible military service before applying. Your lender can get your eligibility certificate for you.

Residents of Public Housing can be eligible for grant help in order to buy their first home. The grants can cover one or more of the following: down payment or closing cost assistance, subordinate mortgage and subsidized mortgage rates.

When a bank won’t loan you the money, HUD and the FHA can help you purchase a home which needs repairs. This grant program, also know as Rehabilitation 203(k), can help you buy or refinance a home by including the cost of repairs in the loan. Home expansion grants can also assist in the fixing up of a new home.

This program (also called 203(b) mortgage insurance) is managed by FHA (Federal Housing Administration) and allows you to keep your down payment as low as 3% of the purchase price plus most of your fees and closing costs can be added to it in the mortgage loan.