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For 2022, the FHA floor was set at $420,680 for single-family home loans. This minimum lending amount covers most U.S. counties. Looking to buyer your first home? FHA might be just what you need. Your down payment can be as low as 3.5% of the purchase price. Available on 1-4 unit properties.

VA helps Servicemembers, Veterans, and eligible surviving spouses become homeowners. As part of our mission to serve you, we provide a home loan guaranty benefit and other housing-related programs to help you buy, build, repair, retain, or adapt a home for your own personal occupancy.

Also known as the Section 502 Direct Loan Program, this program assists low- and very-low-income applicants obtain decent, safe and sanitary housing in eligible rural areas by providing payment assistance to increase an applicant’s repayment ability. Payment assistance is a type of subsidy that reduces the mortgage payment for a short time. The amount of assistance is determined by the adjusted family income. Max loan amount is $336,500.

If you're trying to decide between a conventional loan and a government-insured loan, the right one for you depends on your financial situation. If you have high credit scores of at least 740 and you can afford to make a 3%-5% down payment, a conventional mortgage may offer the best interest rate and lowest fees. Because of the strict eligibility requirements that come with VA and USDA loans, it can also be easier for many homebuyers to qualify for a conventional mortgage. Max loan amount $647,200.