National programs are not interchangeable
FHA is a mortgage-insurance program with its own MIP. VA is for eligible service members, veterans, and some surviving spouses, with a funding fee that some borrowers do not pay. USDA guaranteed loans depend on location and income.
None of the calculators can tell you that you qualify. They price the fee assumptions after you enter a price and a down payment.
State and local help needs a source
Assistance programs change, close, and limit income or purchase price. Publishing fifty pages of grant amounts without a dated source would be misleading.
Use the program's own site or a housing counselor, then type any help you can document into the down-payment or closing-cost fields.
| Program | Calculator |
|---|---|
| FHA | FHA loan |
| VA | VA loan |
| USDA | USDA loan |
| Conventional PMI | PMI calculator |
Calculators
Related guides
Sources
Common questions
Does first-time mean I have never owned a home?
Programs define it differently. Some look back three years. Read the program, not a general label.
Will this site list my state's grant?
Not until the amount and the date can be sourced. The state-guides page explains that limit.