Find a property on PodLuxe. Use these programs to make it yours. Low down payments, zero interest, grants you don't repay.
The most popular first-time buyer program. Only 3.5% down payment with a credit score of 580 or higher. Accepts lower scores with 10% down. Available on HUD homes, foreclosures, and standard purchases.
Zero down payment for rural and suburban properties. No mortgage insurance upfront. Income limits apply — most moderate-income families qualify. Covers single-family homes in eligible rural areas.
Zero down payment, no mortgage insurance, competitive rates. Available to veterans, active-duty service members, and eligible surviving spouses. Works on VA foreclosures and standard purchases.
Buy a HUD home for just $100 down with an FHA loan. Available on select properties during the exclusive owner-occupant bidding period. One of the lowest barriers to homeownership in the country.
Counties sell properties with unpaid taxes at auction. Often the steepest discounts — properties can sell for the amount of back taxes owed. Cash purchases, title may need clearing. Every county runs its own schedule.
Over 2,000 programs across the US offer grants, forgivable loans, and matched savings to help cover your down payment and closing costs. Many are available to first-time buyers earning moderate incomes.
Our AI agents search 16+ federal agencies, counties, and tax deed auctions every day. You search once — we cover everything.
FHA, VA, USDA, HUD $100 down — understand which programs fit your situation and how to qualify.
Submit your bid or offer through the official listing, work with your agent, and close on a property most people never knew was available.