VA Loan – For eligible veterans, active-duty service members, and certain spouses. Offers 0% down payment, no PMI, and competitive rates. Guaranteed by the U.S. Department of Veterans Affairs.

USDA Loan – For low-to-moderate-income buyers in eligible rural or suburban areas. Offers 0% down, low rates, and reduced mortgage insurance. Guaranteed by the U.S. Department of Agriculture.

FHA Loan – For buyers with lower credit scores or smaller down payments. Requires as little as 3.5% down and offers flexible qualification guidelines. Insured by the Federal Housing Administration.