: Backed by the U.S. Department of Agriculture , these require
down for homes in eligible rural and suburban areas. They are intended for low-to-moderate-income earners.
down, FHA loans are highly flexible for those with low or "thin" credit files.
: Without a credit score, you generally must keep your DTI ratio below for conventional loans or 3. Overcoming the "No Money" Barrier
down payments, while lets lenders approve you based on bill payment history instead of a FICO score. 1. Zero-Down Government Loan Programs