: Issued by private lenders like Rocket Mortgage or Bank of America, these are not government-insured.
: Required for high-priced properties exceeding conforming limits. Loan Structures : options for buying a house
Designed to reduce lender risk, these often feature lower down payment requirements. FHA Down Payment Grants for 2026 : Issued by private lenders like Rocket Mortgage
: Typically offers a lower starting rate for 5–10 years before adjusting with market trends. 2. Government-Backed Programs options for buying a house