How to Qualify for a Home Loan with Low Income: Real Tips That Work in 2025

Tip 5: Seek Out Specialized Loan Programs

Some loan programs are specifically designed for low-income buyers:

• HUD Good Neighbor Next Door: Offers 50% discounts on HUD homes to teachers, firefighters, EMTs, and law enforcement officers.

• State-specific programs: Many states offer down payment assistance and grants for low-income homebuyers.