FHA and VA loans make homeownership accessible with lower down payments and more flexible credit requirements. VA loans offer zero down payment for eligible veterans and service members. FHA loans are ideal for first-time buyers with as little as 3.5% down.
0% (VA) / 3.5% (FHA)
Min Down Payment
580+
Min Credit Score
FHA: As low as 3.5% down payment
VA: Zero down payment for veterans
Lower credit score requirements
Competitive interest rates
VA: No private mortgage insurance
FHA: Minimum credit score 580 (3.5% down)
VA: Active duty, veteran, or eligible spouse
Primary residence only
FHA: Mortgage insurance required
6.450% APR
5.720% APR
6.850% APR
Rates shown are for illustrative purposes and are subject to change. Your actual rate will be based on your specific financial profile.
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