: A family member with strong credit and income can co-sign, which helps you qualify but makes them legally responsible for the debt. 3. Down Payment Assistance (DPA)

: Keep your total monthly debt payments (including the new mortgage) under 43% of your gross income.

Available to veterans and active service members. Technically has , though individual lenders often set a "floor" around 580–620. Offers $0 down payment options. USDA Loans (U.S. Dept. of Agriculture) :