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Can HUD help me buy a home, if I don’t have much money?

Answer: Helping people become homeowners is one of the most important things HUD does. Here are some suggestions:

  1. Start by reading our "homebuyer's kit"- particularly the part about the federal mortgage programs that can help people buy homes. HUD's FHA has many mortgage insurance programs that can help first-time homebuyers. Also, be sure to read about buying a HUD home - they can be very good deals!
  2. Contact one of the HUD-approved housing counseling agencies. They can help you sort through your options.
  3. Call your local office of housing and community development or your mayor's office to see if there are any local homebuying programs that could help you.

Who do I talk to about an FHA mortgage?

Answer: You'll need to talk to a HUD-approved lender and ask them about FHA mortgages.

Contact our FHA Resource Center at or by phone at 1-800-CALLFHA for information about FHA mortgages.

Contact a housing counseling agency ( to see if there are any other other financing options that might work for you.


Who can I talk to about buying a home if I don't know if it's a good idea for me?

Answer: There are HUD-approved housing counseling agencies that can help you decide whether buying a home is right for you. Contact one in your area.


How do I know if I qualify for a mortgage?

Answer: There are many different kinds of mortgages available, and qualification requirements vary. The best thing for you to do is shop around - talk to two or three local lenders to find out what kinds of mortgages they have available that could fit your situation. There are a number of mortgage calculators online that can give you some idea about your ability to qualify for a mortgage. HUD offers a good calculator, in our "homebuyers kit." You also might want to contact a housing counseling agency. They may be able to direct you to the kinds of mortgage programs that might fit your needs.


How can I find out more about Officer Next Door and Teacher Next Door programs?

Answer: Teacher Next Door and Officer Next Door have been combined into Good Neighbor Next Door.


Does HUD have any information about buying a manufactured home?

Answer: We have lots of great information about manufactured homes in our "homebuyer's kit" and frequently asked questions about manufactured housing.


As a Veteran, should get a VA Loan or Conventional Loan?

More information about homebuying.